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Originally Posted by mahjwh51
Totally agree with yabbadu that folks with Advantage plans may not be so happy should they have a serious illness which is why we are choosing a Supplement instead. One can choose otherwise "based on health now" and everything could change the very next day!
One area where I have some confusion is...Do the various companies still have contracts with individual physicians or groups of physicians and health facilities like they do pre-medicare. Or are there not negotiated costs at this point?
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I can only speak about my experience with Medicare and a plan G supplement.
The way I understand it...if a medical provider accepts Medicare, they accept Medicare's payment structure for a particular procedure or service, and my plan G supplement covers what Medicare doesn't.
The one thing a plan G doesn't cover is the Part B deductible
which is about $150. Plan F will cover the Part B deductible, but the monthly premium is a lot more. Plus I can go directly to medical specialists.
This is just my understanding, based on my experience.