Quote:
Originally Posted by Boomer
I have seen Advantage Plans described as "replacements" for Medicare. I also found something that said when you sign up for Plan C (aka an Advantage Plan) you "leave" what they call Original Medicare. -- If that wording is correct, it looks like therein could lie the loophole. (I will try to find that source and cite it later. It was not the .gov site though. It was one of those sites with explanations.)
I do not see how holders of Plan F who have found that those plans have worked for them with hospitalizations, etc -- or snowbirds -- or those who have good Medicare supplement coverage as a retiree benefit -- or those who will pay for choice -- will switch to this Advantage Plan. But I guess the pool is so big here that TV figures they eventually can hold all the cards.
I do realize that premium cost is often the main consideration. And I think there may be other coverages available within an Advantage Plan. But what are they saying about out-of-pocket limits? -- I know people who are going with this plan and, of course, I hope it serves them well. We each must decide what works best for us.
You know......whether a supplement or an advantage plan, the stockholders in a huge insurance company own a piece of every patient. -- and before I get bashed because somebody thinks I am bashing the market, that is so not true. I like to stock-pick, but I do not want to own a piece of patients. Whoops.....I digress....
So anyway, I remain appalled at this move by TV to shut out those new patients who do not buy their insurance plan. -- Appalled but not surprised. What's next? Priority seating in the waiting room?
I think I better just stop typing and go get some coffee.....maybe then this little song I keep singing in my head will stop.......It's all about the profit, 'bout the profit, not medicine.....all about the profit, 'bout the profit, not medicine.......
Boomer
|
Here's the way it was explained to me by a UHC rep. When you choose medicare c, you also sign up for medicare b. You still send your medicare b premium ($105 for most people) to the government. The government sends the medicare c insurance company about $10,000 per patient per year. It is up to the insurance company to manage the healthcare for each of those patients without anymore money from the government. So the insurance company can adjust coverage, copays, doctors in network, etc. You still are enrolled in medicare.