Quote:
Originally Posted by villagetinker
Be sure to check for coverage if you travel, when we looked at this a few years ago, the entire state of Colorado WAS NOT COVERED by any of the advantage plans that were offered at the time, that was a deal breaker. Then we found out that several of the specialists my wife was already using would not accept the advantage plans, the was a deal killer, we stayed with Medicare and supplemental.
Also, if you go with an advantage plan, there is a very limited time where you can go back to medicare and NOT be subjected to underwriting, be sure you understand this.
|
The Villages Medicare Complete 2 advantage plan has a passport system. This allows one to go to areas outside of their local coverage and find an in network doctor or facility and be charged the same as in network.The $80 / month covers (amongst other items) an In Network Out Of Pocket max of $1900 and an Out of network Out Of Pocket max of $7500. True not all areas of the U.S. are covered under the passport plan but a large percentage is. Example all counties in New York State are covered. FYI I recently needed a short trip to emergency in New York the bill was $2500(highway robbery) and my total part was the $90 deductible. For those areas not covered like Colorado (I assume - did not look it up) you are still covered but at out of network rates with a max out of pocket of $7500. This would probably work for most people if traveling to Colorado is a vacation short term but probably not the right plan for you if you are a Colorado snowbird.