Quote:
Originally Posted by capecoralbill
For some reason i'm not following, are you saying go for the Supplement OR the advantage? Thanks
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All depends on how much health care you are likely to "consume". The significant advantage plan co-pays appear to be:
$275 each day 1-6 in the hospital
$160 each day 21 - 49
$250 for an ambulance
$ 275 for outpatient surgery
and the scariest---20% of all diagnostic studies---radiologic and non-radiologic
The rest are all like $30
So for me, personally, if I were over 65 and on this plan:
I had 2 days in the hospital for surgery
3 MRIs
1 EMG
1 plain x ray
all in the last 7 weeks
Whether the out of pocket cost for this exceeded the $2500 a traditional supplemental plan costs depends entirely on whether the 20% copay for diagnostic test is based on the full (cash) price or the negotiated UHC price, which I do not know.
For someone else, they might have far less out of pocket cost
The only other concern would be the availability of specialists who participate in the plan