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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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Medicare Advantage is great if you are healthy like you are, We personally went with an advantage plan G as we have a cancer history in the family and for example, the Mayo Clinic, one of the top 5 cancer hospitals in the country does not accept Advantage. Wife is a pancreatic cancer survivor because of the Mayo Clinic. It wasn’t just the treatments (chemo, radiation, surgery) but the order that they did it in. We have different opinions on her treatment and the Mayo was very different and they gave statistics on why they do what they do it the way the do. Plus places like Mayo have all the services under one roof. The docs just picked up the phone and called a different building to talk to other docs. My SIL is extremely healthy and on an advantage plan and had breast cancer just pop up out of nowhere and she had to go to various places for various opinions and that took weeks where we went to the Mayo on a Monday and by the following Thursday 10 days later, we started chemo…
You can switch now as underwriting will see you as healthy, once you are not healthy, you cannot switch…. IMO, never skimp on your healthcare
I would look at YouTube videos on advantage vs supplemental to do your homework… .