Quote:
Originally Posted by HappyRetired
Plan F for supplemental insurance is no longer offered. If you have it, don't change. There are Advantage plans that are PPO (you can pick your doctor), not part of an HMO. However, some doctors don't take those plans. Add in costs of dental and eye care if they are not covered by supplemental. Some Advantage plans include some (limited) benefits. You must have drug coverage even if you don't use it or there is a penalty to pick up later. SHINE should be able to help. Also, set up an online account at Medicare.gov for lots of information on plans and Medicare in general. Do the same for Social Security because there are lots of questions answered there.
|
I received an email from Medicare about checking out supplemental plans & clicked on a link after reading these posts. It directed me to UHC. I was born in 1953 but have been on disability since Dec 2000 & Medicare since Dec 2001. After I entered my info, all the plans showed up. I guess since I was already on Medicare when I turned 65, that has allowed me the ability to enroll in Plan F, etc. The monthly charge for Plan F, the most popular, is $202, Plan G--$177(?). It said the charge might change once I applied. I already have UHC for Part D coverage. In fact, I used to work for UHC in Ohio as a precertification nurse for outpt surgeries & skilled home care visits. What UHC Advantage Plan salespeople don't tell you is that the medical director of that office location can deny custodial care (mostly bathing) if patient is receiving skilled care even though Medicare pays for it if the patient is receiving skilled care (RN/PT/OT/ST) because it is THEIR plan. I used to sit one aisle over from these people & wanted to yell to the person on the phone "Don't do it!!!" Of course, this was in 1999 but I doubt if they have changed. Advantage plans sound great but are only good for people who are in good health.