Quote:
Originally Posted by Rainger99
I just started Medicare on October 1 - and I am baffled by the number of plans and options available. And every time I turn on television, I am inundated with commercials for Medicare plans. I would be interested in any advice on which plans to sign up for and perhaps more importantly - which plans to stay away from. I currently have United Healthcare The Villages Advantage (HMO). The enrollment period ends on December 7 so I have time to change plans. I am also surprised at how expensive "free healthcare" is. I am paying more for healthcare now that I was when I was working.
|
Reason you are paying more than when you were working is you employer was paying part of the cost. What you were paying was only part of the cost. It is not,"free healthcare," Medicare and Medicaid are paid by what you and the rest of us paid into Social Security. We went on cobra for I think it was 18 months and then had a choice self insure or 24,000 a year, for private health care insurance. My wife forced me to take private health care insurance-FORTUNATELY.
They settle bills for far less than you would pay. I spent 5 days at the Villages Hospital and the bill was 50,000 the insurance paid roughly 25,000 and covered the bill IN FULL.
You are forced to have insurance. If, you choose to self insure you will pay almost twice as much should you need any care.