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HEALTH Which Medicare Advantage Plan is best?
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  1. #1
    Join Date
    Aug 2014
    Location
    Upstate South Carolina
    Posts
    4,633

    Which Medicare Advantage Plan is best?

    Today is the final day of the enrollment period,
    for changes to Medicare.

    I know that many here are 60-70, with lots on Medicare,
    and I have the Medicare & You 2018 booklet, in front of me.

    I will turn 62 in February, and I have the cardiovascular
    system of a 75 year old man. Everything cardivascular
    has already been done to me, so just need to get
    some fresh nitro, and get physical.

    Any info would be appreciated. I am currently looking
    at the UnitedHealthcare AARP MedicareComplete HMO
    for my county in South Carolina. It has a members
    rating of 84%.

    Please be safe everyone, and please arm up.

    Regards to all deplorables.
    Nowski
    "Read everything, listen to everyone, believe absolutely nothing,
    unless you can prove it with your own research." Milton William Cooper

    "Life is a glass, half empty, of spoiled milk, sitting in a bed of thorns." Nowski

  2. #2
    Join Date
    May 2001
    Location
    Cut & Shoot, Tx.
    Posts
    7,293
    Just check out the plans, doctor & hospital locations. We don't use a PPO or HMO plan, cause we travel too much. The plans we checked were only good in your area, or for a bonified "emergency" as defined by the insurance company. You'd better be dying when you get to an emergency room away from your home area, or you aren't covered.

    But, the AARP plan looked to be the best HMO, for those that are in a static area.
    I don't always speak to Obama voters.
    But when I do, I ask for the large fries.

  3. #3
    Join Date
    Sep 2004
    Location
    Florida
    Posts
    22,394
    Why would you be able to get medicare if you're only 62?
    Social security, yes, Medicare, no.

    My recommendation to everyone is to take SS as soon as you can, 62, if you can afford to.
    Things might not be as they are now in 4 years.
    "I never saw a wild thing sorry for itself. A small bird will drop frozen dead from a bough without ever having felt sorry for itself." -DH Lawrence
    People are crazy and times are strange
    I'm locked in tight, I'm out of range
    I used to care, but things have changed

  4. #4
    Join Date
    Aug 2014
    Location
    Upstate South Carolina
    Posts
    4,633
    After some more research, and due to my chronic or
    disabling conditions, which I have both,
    contacted United Heathcare Gold RX for South Carolina,
    a regional PPO.

    Enrolled for $19 a month. What they described sounded,
    very similar to the insurance plan, where I worked until 2012.

    I now can go to a doc to get checked up. Have not been to a doc
    since April 2012. Doing okay, but need blood work, and fresh nitro.

    Aint got much time left no how. Took a cardiovascular assestment
    exam in 2011, after stents were put in. With all the info that
    they asked, family history, health history, etc. the exam said
    that I have a cardiovascular system that is 15 years older,
    than my chronological age. That means I really am
    76 years old, when I am currently 61.

    My dad died when he was 77. Therefore not much time left for me.

    Perhaps the festivities will start soon, as I would like to participate.

    The plan does not go into affect, until January 1, 2018.

    Please be safe everyone, and please arm up.

    Regards to all deplorables.
    Nowski
    "Read everything, listen to everyone, believe absolutely nothing,
    unless you can prove it with your own research." Milton William Cooper

    "Life is a glass, half empty, of spoiled milk, sitting in a bed of thorns." Nowski

  5. #5
    Join Date
    Aug 2014
    Location
    Upstate South Carolina
    Posts
    4,633
    Quote Originally Posted by TerryK View Post
    Why would you be able to get medicare if you're only 62?
    Social security, yes, Medicare, no.

    My recommendation to everyone is to take SS as soon as you can, 62, if you can afford to.
    Things might not be as they are now in 4 years.
    Disability provides Medicare.

    Left work due to health, and applied for disability.

    My health is crap, always has been.

    Due to several disabling issues, was approved straight away.
    Worked for 36 years. They look for 27 years of inputing into the system.
    Quintuple bypass surgery at 48.
    Heart attack at work. Was 54. Stents were later put in,
    using a laser tipped catheter.
    Insulin dependent diabetic since 2000,
    with neuropathy in hands and feet.
    The one I believe that put me over the line,
    six(6)inguinal hernias, which they consider excessive.

    Medicare became affective soon afterwards.

    I would rather be working in a gunshop,
    or a backpacking store someplace,
    however physical body would revolt.

    Please be safe everyone, and please arm up.

    Regards to all deplorables.
    Nowski
    "Read everything, listen to everyone, believe absolutely nothing,
    unless you can prove it with your own research." Milton William Cooper

    "Life is a glass, half empty, of spoiled milk, sitting in a bed of thorns." Nowski

  6. #6
    Join Date
    May 2001
    Location
    In CLE again
    Posts
    49,066
    My United Health Care Medicare Advantage plan works reasonably well for me....
    Mookie War Creed
    "I am the Sword of my Family and Shield of my Nation. If sent, I will crush everything you have built, burn all that you love, and kill every one of you."
    Welcome to dar al harab -dar al kufre.


    Gentle reminder: It is entirely possible to think that generalizations are true and to judge each real live person you meet as an individual

  7. #7
    Join Date
    May 2001
    Location
    Fl
    Posts
    6,079
    ...If you have a family doctor you trust or like, ask him what he accepts.
    1 7 7 6

    Time for a change


    AGAIN

    .................................................. ......................

    "But when a long train of abuses and usurpation s, pursuing invariably the same Object evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government"

    My Blog :http://www.humilityclarityandcourage.com/

  8. #8
    Join Date
    May 2001
    Location
    Central AR
    Posts
    1,201
    Plans vary for what medical problems you have. I I'm healthy, only go to dr. for yearly check ups, on HRT meds. I use Plan G. Plan F is if you don't want to deal with any paperwork at all but it cost about $330 a year more then plan G. I had an independent consultant come to my house and explain everything and then help me choose the right plan. The visit was free.

  9. #9
    Join Date
    Jul 2001
    Location
    Purdy area, Western WA
    Posts
    27,452
    IMO- NONE of the “advantage” plans or HMO’s are better than STRAIGHT Medicare with a simple “secondary payer insurance” .

    Most people forget that heavy advertising is NOT DONE for YOUR BENEFIT!
    Both Medicare and the HMO’s PROFIT by you surrendering “regular Medicare”!
    It is up to you to figure out, or find out (the hard way) WHAT YOU LOSE!
    Hint- They WON’T TELL YOU what you will be losing, they will ONLY tell you what you “gain!” by surrendering regular Medicare!

    You would have to read the Medicare 2017 (or 2018) book (sent to you yearly) to find out all the regular Medicare coverage and compare it to the Medicare “advantage” plans coverage.

    I am sticking with regular Medicare and Tricare Plus. I can’t remember last time I paid for anything.
    BTW- I always LINE OUT the line on the “forms” you sign at doctors offices (and hospitals) saying I agree to personally PAY for services rendered! I assert that I refuse any services not covered by my insurance! They ALWAYS accept this modified contract, and I have never, ever in almost 8 years, been refused any medical service nor received any bill or been charged any “co-pay” from hospital or doctor! I go to the base pharmacy at Joint base Ft Lewis/McChord (inside Madigan Army Hospital) to get my prescriptions filled so I can avoid ANY co-pay on them too.

    I ALSO always line out the line giving my agreement for them to take any videos or photos of me without my one time, permission specific for that photo!
    (granny hard ass)

    Oh, I forgot- I have ALSO Never had to deal with any “Medical Billing Paperwork” At ALL, EVER!
    Not for me, not for my mom, not for my dear departed husband, period. I followed the same “rules” with them.
    Last edited by ainitfunny; 12-07-2017 at 04:28 PM.
    Proverbs 18:13 Wycliffe Bible (WYC)

    13 He that answereth before that he heareth, showeth himself to be a fool; and worthy of shame.

  10. #10
    Nowski,

    Contact Senior Healthcare Direct. I have used them for several years and find them knowledgeable. They will look at multiple plans and can email you the list with costs. The DW and I are on Aetna for Plan G. Our drug coverage is Silver Scrips for the DW and I am on Humana due to difference in costs for her and me.

    Mark Meeker is one of there reps.

    855.368.4717.

    Expect a wait since it is 12/7 the last day.

    Good luck.

    Texican.

  11. #11
    Join Date
    Aug 2007
    Location
    Maine, inland moutains
    Posts
    3,947
    Quote Originally Posted by ainitfunny View Post
    IMO- NONE of the “advantage” plans or HMO’s are better than STRAIGHT Medicare with a simple “secondary payer insurance” .

    Most people forget that heavy advertising is NOT DONE for YOUR BENEFIT!
    Both Medicare and the HMO’s PROFIT by you surrendering “regular Medicare”!
    It is up to you to figure out, or find out (the hard way) WHAT YOU LOSE!
    Hint- They WON’T TELL YOU what you will be losing, they will ONLY tell you what you “gain!” by surrendering regular Medicare!

    You would have to read the Medicare 2017 (or 2018) book (sent to you yearly) to find out all the regular Medicare coverage and compare it to the Medicare “advantage” plans coverage.

    I am sticking with regular Medicare and Tricare Plus. I can’t remember last time I paid for anything.
    BTW- I always LINE OUT the line on the “forms” you sign at doctors offices (and hospitals) saying I agree to personally PAY for services rendered! I assert that I refuse any services not covered by my insurance! They ALWAYS accept this modified contract, and I have never, ever in almost 8 years, been refused any medical service nor received any bill or been charged any “co-pay” from hospital or doctor! I go to the base pharmacy at Joint base Ft Lewis/McChord (inside Madigan Army Hospital) to get my prescriptions filled so I can avoid ANY co-pay on them too. i

    I ALSO always line out the line giving my agreement for them to take any videos or photos of me without my one time, permission specific for that photo!
    (granny hard ass)

    Oh, I forgot- I have ALSO Never had to deal with any “Medical Billing Paperwork” At ALL, EVER!
    Not for me, not for my mom, not for my dear departed husband, period. I followed the same “rules” with them.
    As a medical provider treating Medicare patients, this is all correct. I just started Medicare and, based on what I know as a provider, I personally chose exactly what is stated here.... go with regular medicare. advantage plans are designed to harvest $$$ from patients and providers. we generally refuse to accept patients on medicare advantage plans, as we get screwed

  12. #12
    Join Date
    Mar 2011
    Location
    Birthplace of the Texas Flag
    Posts
    650
    First off Nowski, I wish you well but, I would never ever consider any insurance that has ties to AARP! EVER! AARP is anti-gun and anti-deplorable!

    Second, Green Co., I just applied for Humana PPO and it is good anywhere in the U.S. i specifically asked and was told if I was
    Traveling as long as the hospital or clinic was in the Humana network, I could use them. I am just north of you off FM 1484.
    Humana costs just $15 a month. (They get the part B payments also).
    "The strongest reason for the people to retain the right to keep and bear arms is, as a last resort, to protect themselves against tyranny in Government." Thomas Jefferson

    Sent from my Shoe-Phone.

  13. #13
    I worked for drs. I think Medicare Advantage plans are limiting. Some require referrals approvals to see specialists. No referral either reschedule or pay out of pocket. I would not get one .

  14. #14
    Join Date
    May 2001
    Location
    Central AR
    Posts
    1,201
    Quote Originally Posted by colonel holman View Post
    As a medical provider treating Medicare patients, this is all correct. I just started Medicare and, based on what I know as a provider, I personally chose exactly what is stated here.... go with regular medicare. advantage plans are designed to harvest $$$ from patients and providers. we generally refuse to accept patients on medicare advantage plans, as we get screwed
    My friend has no advantage plan and had to pay what Medicare didn't cover for her surgery. DH had the same surgery and we paid zero out of pocket. DD is in the medical field so we took her advice to get the supplemental. She worked in case management for a long time and now a director at a heart hospital. I will double check the difference in having the plan.

  15. #15
    Join Date
    Jul 2001
    Location
    Purdy area, Western WA
    Posts
    27,452
    Quote Originally Posted by Homestyle View Post
    My friend has no advantage plan and had to pay what Medicare didn't cover for her surgery. DH had the same surgery and we paid zero out of pocket. DD is in the medical field so we took her advice to get the supplemental. She worked in case management for a long time and now a director at a heart hospital. I will double check the difference in having the plan.
    "Get the supplemental coverage" DOES NOT MEAN buying into "Medicare advantage plans!" It just means buy "MEDIGAP" insurance to cover the 20% supplemental that regular Medicare does not pay! Your friend was screwed because she had no "secondary payer medical insurance" that pays what Medicare doesn't cover.
    Proverbs 18:13 Wycliffe Bible (WYC)

    13 He that answereth before that he heareth, showeth himself to be a fool; and worthy of shame.

  16. #16
    Join Date
    Jul 2001
    Location
    Purdy area, Western WA
    Posts
    27,452

    14

    I cannot emphasize enough how GREAT this website is for getting answers to the questions everyone is asking. PLEASE GO HERE AND READ THE WARNINGS:

    Medigap vs Medicare Advantage: Which is the Best Medicare Supplement?

    http://www.medicoverage.com/articles...are-supplement
    Proverbs 18:13 Wycliffe Bible (WYC)

    13 He that answereth before that he heareth, showeth himself to be a fool; and worthy of shame.

  17. #17
    Join Date
    Nov 2012
    Location
    South East Texas
    Posts
    2,516
    Quote Originally Posted by ainitfunny View Post
    I cannot emphasize enough how GREAT this website is for getting answers to the questions everyone is asking. PLEASE GO HERE AND READ THE WARNINGS:

    Medigap vs Medicare Advantage: Which is the Best Medicare Supplement?

    http://www.medicoverage.com/articles...are-supplement
    Thanks for this, I need to get up to date on these differences.
    TRUTH ...... its the new hate speech.

  18. #18
    Join Date
    Jan 2003
    Location
    Central Indiana
    Posts
    5,625
    I signed up for Medigap instead of Medicare Advantage and so far it has covered everything. My former employer included the retiree benefit of a neutral referral service that painstakingly went through my medical needs/wishes and what I could afford and recommended a specific Medigap company available in Indiana, Anthem Blue Cross/Blue Shield. My medical expenses are low at this time and so far Medicare/Anthem has covered everything: doctor check-ups, immunizations, tests. My main reasons for choosing Medigap were its availability when we travel and the level of coverage provided.
    Terri in Indiana

    "I'm city born, but I love the country life."

  19. #19
    Join Date
    Dec 2001
    Location
    North Carolina
    Posts
    5,652
    This is a very good thread for those entering Medicare choices by age or disability.
    Wish I had such explanations found 15 years ago!!

    If you chose a Supplemental Plan to Medicare (and Medicare) the sign-up for Supplemental is Not the same as for Advantage plans.
    If you decide for a Supplemental (I did after a few years) make sure the offering Insurance company has Guaranteed Acceptance.
    Don't decide for a plan and be rejected later based on your medical history.
    We all get old and need repairs of all kinds. Yet some Insurance companies will make their acceptance contingent on medical history.

  20. #20
    Join Date
    Jan 2008
    Location
    Northern Indiana
    Posts
    5,219
    Quote Originally Posted by WFK View Post
    This is a very good thread for those entering Medicare choices by age or disability.
    Wish I had such explanations found 15 years ago!!

    If you chose a Supplemental Plan to Medicare (and Medicare) the sign-up for Supplemental is Not the same as for Advantage plans.
    If you decide for a Supplemental (I did after a few years) make sure the offering Insurance company has Guaranteed Acceptance.
    Don't decide for a plan and be rejected later based on your medical history.
    We all get old and need repairs of all kinds. Yet some Insurance companies will make their acceptance contingent on medical history.
    I was told that Medigap plans could not base their rates on your med history the first time you enrolled; but if you choose to leave your plan (and later decide to go back), then they have the right to reject you or base your rates on your med history.

    We really don't have enough info to make the best decisions on what kind of plan to go with. We should be able to access a database of procedures and their allowable Medicare amounts. With that info, we would know what our 20% would be and be able to compare it to what our costs would be with the Advantage plans.

    It's my opinion that if you are in poor health and expect some major medical stuff, then a Medigap plan would be the way to go for a first time enrollment.

  21. #21
    Join Date
    Mar 2005
    Location
    Holland, MI
    Posts
    2,409
    Quote Originally Posted by Papacub View Post
    First off Nowski, I wish you well but, I would never ever consider any insurance that has ties to AARP! EVER! AARP is anti-gun and anti-deplorable!

    Second, Green Co., I just applied for Humana PPO and it is good anywhere in the U.S. i specifically asked and was told if I was
    Traveling as long as the hospital or clinic was in the Humana network, I could use them. I am just north of you off FM 1484.
    Humana costs just $15 a month. (They get the part B payments also).
    I also would never use anything connected with AARP. They were very big on Ocare. Before Ocare was voted in they were having all kinds of commercials pointed at seniors about how great it would be so I am sure they had their hand in writing the whole mess.

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