Quote:
Originally Posted by RVRoadie
Cost is the major factor for us using Medicare Advantage. However, Medicare Advantage is under assault, and most of the small players have gone out of business, leaving just the major insurance companies. For the past four years we have had to get a new plan each year, due to plan terminations, or cost increases we were not willing to pay. This year our Florida Blue plan had co-pay increases that doubled or tripled. It is not a pretty system. But it works for us and the price savings are still worth it.
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I may heave read it wrong, so correct me if that is the case.
My wife has UHC supplemental plan F for $178/month and part D for $32/month, so a yearly cost of about $2500. For that, just about everything is 100% covered except prescription co-pays.
The UHC advantage plan has a whole bunch of co-pays. Their maximum out of pocket expense is about $4500/year, and you still have to pay exactly the same prescription co-pays as plan F. So if you anticipate less than $2500 in advantage co-pays, go for it and save some $$$. If it goes over $2500, you pay up to $ 2000 extra. Double the numbers for a couple