If you had a supplemental plan instead of an advantage plan, your premium costs would probably be around the same $2400 out-of-pocket you are paying now. Everyone pays the Part B premium of $174.70, sometimes more depending on whether you have an IRMAA penalty. However, typically the only additional cost over the supplemental premium you would incur would be the $240 Part B deductible. Therefore, it is pretty much a wash financially.
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Originally Posted by DollyL
I do have a UHC Advantage plan that is deducted from my Social Security check every month. I do not pay extra for a supplemental plan as I do not have one.
When I travel out of state, all I have to do is call UHC and activate my “passport” that is in my plan & I can see any doctor or hospital in the state I am visiting. You just inform UHC of the dates & states you are going to. I know that this is a Florida plan, but maybe other states have the same plan with a “passport “. And it doesn’t have to be for emergencies only. The doctor just has to be a participant with UHC.
As to Medicare & Medicaid, my father qualified for both. If he had lived long enough, I would have made him a snowbird. He would have lived with me during the winter, and he would have lived with my other siblings in New York during the summer. My dad had outlived his savings & only relied on his Social Security & Pension from month to month as his Rx’s were expensive, besides food, clothing & diapers.
Going to “Shine” is a great idea because I’m sure they can plug in the specialists & primary doctor & all the meds & any health problems. The computer will generate the “best” plans to look into. Be sure that the plan has an affordable “out of pocket maximum. The reason I state that is because my “out of pocket maximum” is only $2400. Because I receive Chemotherapy, once I have paid my $2400, all my future doctors appointments & MRI’s & CT scans & X-rays have no co-pays for the rest of the calendar year.
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