Quote:
Originally Posted by Janie123
I have not heard of any doctor or hospital no longer accepting a supplemental plan, but it seems like every year, hospitals and practices are dropping Advantage plans left and right. Currently the Mayo Clinic in Jax is not accepting any advantage plans and Moffitt in Tampa is not accepting certain advantage plans. We have a pancreatic cancer survivor via the Mayo Clinic. Treatment went from August thru April. I can’t imagine what we would have done when they stopped mid treatment.
The survivor was exceptionally healthy and one day, she got very bad indigestion, two days later, a tumor was found in her pancreas. Two weeks later chemo was started.
I will never roll the dice on healthcare. Today we both have a Cigna Supplemental G plan that is accepted everywhere.
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Well. I guess is depends on your situation, but a typical supplemental plan costs about $150/mo per person, plus the $185/mo medicare payment. That works out to $8,400/year per married couple, just to be able to see any doctor you want.
Personally, I think it's a better deal to spend $840/yr for PPO insurance that pays everything except the co-pay to stay in-network for routine stuff -- or 80% of any doctor or treatment I want up to $6700 total out of pocket (and then all of it) -- if I have a medical disaster. And Moffit being in-network even saves the $6700 if I get cancer.
So far, neither Humana nor United have ever refused me anything, unless you consider staying in-network for primary care and the typical specialists old folks have to see every year. United covered almost everything a couple of years ago when I had to go to Orlando to have a super-duper specialist make sure a pancreatic cyst wasn't cancer. And Humana covered almost everything when my wife spent a week in the hospital last year from a (thankfully minor) stroke. But I guess its possible some out-of-network doctor or hospital could refuse to take Humana's money for some reason some day.
I guess I'll never know until something really bad happens. Then I guess I'd have to spend our savings or sell the house. Life's a gamble. I guess I'm willing to bet a multi-billion-dollar company isn't lying to me in any serious way that millions of customers haven't have already discovered.