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Subject: Can we keep it simple?

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steveVa    Posted 07-15-2018 at 11:50:03 [URL] [DELETE]        [Reply] [No Email]  
  • Can we keep it simple?
  • The time has come for me to look at Medicare plans. I always thought it was simple. You turn a certin age and you get free health insurance. But noooo. You got your parts A and B and C and D. Some are free others cost you.
    Help.
    What do you guys do?
    I am self employed so I get no other parts from anybody.
    What is the best way to get covered?
    Thanks

    lonestarjeff    Posted 07-25-2018 at 20:10:08 [URL] [DELETE]        [Reply] [Email]  
  • Re: Can we keep it simple?
  • The news is not good if you need ongoing health services unless you are in a bracket to game the system. That's basically what Obamacare was & is, a way for a certain segment of the population to get their basic healthcare on middle America's dime.....but I digress & I'll stop before my blood pressure rises too high....

    We looked at medicare options(like you)last year. There are dozens of offerings depending on your state & county that will range in price & service coverage & dependents, but they all fall short of full coverage; hence, the concept of Medi-gap or supplemental coverage. Supplemental is a second policy with a second premium & a second set of coverages & rules & loopholes. It's basically a way for the insurance companies to legally double-dip & double the complications. Those who can't afford to pay the double-dip usually opt to forego the supplemental & pay more out of pocket for the basic health services & pray nothing major happens.

    There is another version they are now offering that is designed to replace the 2-policy(medicare + supplemental)system. I can't remember what it's called, but it's another catchy name like Mediflex or Medipac or something. It's a whole other product offered by the insurance companies under one premium, but once you sign up you can't go back to the 2-part system(at least not in Texas). That alone tells you it's only advantageous for certain people.

    That is my basic understanding of the landscape for current Medicare options.

    Tim Daley(MI)    Posted 07-17-2018 at 04:45:55 [URL] [DELETE]        [Reply] [No Email]  
  • Re: Can we keep it simple?
  • My Medicare has taken a turn for the worse this past year or so. Three years ago I had a supplemental insurance, called Blue Cross MediGap. It costs me $122 per month extra out-of-pocket. I had several procedures in 2015 including three major operations and I paid ZERO out-of-pocket. The only service I had to pay for were my prescription co-pays upon my discharge. The following year, as OWEBUMMER CARE was initiated, I cancelled my MediGap as the rates would be increasing to over $300 per month -something I wouldn't be able to afford. And they called this 'affordable health care', remember? By 2017 I was going in for another major surgery and decided to re-instate the MediGap even if for only a few months just cover the hospital/doctor expenses, so I called Blue Cross and was told, sorry, that plan no longer exists. If I kept it, I would have grandfathered in, but no longer available to enter into. The options then were even more expensive than the increased MediGap rate. Since then I get bills for simple. routine stuff. I had a simple, routine follow-up office visit with my surgeon back in June, 2017. In April, 2018 I get a bill from his office for $250!!! WTF??? I am still fighting it. One thing is certain, our health care system sucks. It's set up so the doctors treat the symptoms not the disease and they are also in cahoots with the big pharmaceutical companies. Oh, yeah, believe it. Can't wait to see what happens in ten years when social security runs out (they're broke now) because not enough millenials are working and putting into it.

    Tim Daley(MI)

    Gaspump    Posted 07-16-2018 at 15:13:29 [URL] [DELETE]        [Reply] [No Email]  
  • Re: Can we keep it simple?
  • I like my Blue Medicare. It is deducted from SS and I like the results that Blue Cross provides. Just another option for you to look at.

    Jack - Iowa    Posted 07-16-2018 at 08:56:46 [URL] [DELETE]        [Reply] [Email]  
  • Re: Can we keep it simple?
  • Basically the same as John in Mich. A & B and United Health Care (AARP) Supplemental. Each year I set down and do the math to determine which Prescription coverage is best for each of us. Changes almost every year! This year I chose Express Scripts. I only mention their name because of the service I have received. I use Mail Order and so far every order has been received 4 days after I placed the order! Other companies have taken over two weeks and have not been dependable. We have no Dental or Hearing Insurance. The wife wears hearing aids. I do not but expect they would help me. Only go the C plan if you KNOW you are not going to need their coverage!

    Being Self Employed, do you have Social Security Accounts? My Medicare and Prescription coverage are both deducted from our S.S, Accounts. Pay the Supplemental monthly.

    Good Luck,

    Jack

    BlasterStumps    Posted 07-15-2018 at 14:07:37 [URL] [DELETE]        [Reply] [Email]  
  • Re: Can we keep it simple?
  • Secondary is Anthem (Blue Cross and Blue Shield) and, Humana for part D

    Poderac    Posted 07-15-2018 at 18:52:52 [URL] [DELETE]        [Reply] [No Email]  
  • Re: Can we keep it simple?
  • Are you a veteran?

    Do you have heart problems? Those two things can change you choices tremendously.

    steveVa    Posted 07-15-2018 at 20:06:54 [URL] [DELETE]        [Reply] [No Email]  
  • Re: Can we keep it simple?
  • No and no.

    John in Mich    Posted 07-15-2018 at 14:05:49 [URL] [DELETE]        [Reply] [No Email]  
  • Re: Can we keep it simple?
  • My wife and I are in our mid-70's and have Medicare parts A and B. We have a supplmental coverage through United Health Care. We also pay for Delta Dental. Our glasses are out of pocket except when having catarac surgery. Medicare pays part of new glasses. We have no hearing aid coverage and we both wear hearing aids.
    We chose traditional because: 1. we kept our doctors 2. we can go to any specialists we chose who will accept Medicare. No pre-approvals or required referals from a primary care doctor.
    C is like an HMO or PPO. You get the same as parts A and B but you are covered by a private network and must stay within that network of providers.
    D is drugs (legal).
    You have to decide which situation works best for you. Don't try to read the Medicare book cover to cover. Read a section and get a feel for it.
    If you have benefits from an employer, talk to your benefits rep or union benefits rep.
    After you have gone through that I will tell you what our monthly premiums cost us
    HTH
    John

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