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Originally Posted by Rainger99
I am currently on Medicare with a UHC Advantage policy. For the most part, I am satisfied with Advantage but I am interested in possibly switching to a regular Medicare and I am trying to figure out how much that would cost.
Right now, I pay my Medicare premium and there is no deductible. The maximum out of pocket payment is $2700 a year. This is for co-pays. Primary doctor is $0 a visit and specialist is $30 a visit. Dental and Vision are included at no extra cost. I am in network but the network is not limited to Sumter County. It is a nationwide network. I can go to hospitals in New York or Los Angeles or Chicago or Orlando or Tampa. They even have a hospital in Alaska!
Fortunately, I have been healthy and my out of pocket expense has been less than $250 a year.
For those of you with regular Medicare, can you give me a ballpark estimate of how much a Medicare supplement policy costs and how much dental and vision cost? Do you also have a separate drug policy?
And has anyone switched from regular to advantage or from advantage to regular? If so, why did you switch and are you happy with the change? Thanks.
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If you travel within the US at all then regular Medicare has you covered everywhere. With Advantage programs, you could get hit with a big bill if you need care outside of their network. We currently travel outside of TV to visit family and don't have to worry about whether network services are available. Also, join AARP and price their regular Medicare plans (via United Health) and obtain Medigap coverage too. As for pricing, it just depends on what plan you chose and where you live.