Quote:
Originally Posted by Blueblaze
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.
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As long as you remember that your medicare advantage plan does not have fixed rates for the rest of your lives. The more people on the plan, the more restricted care and higher rates to pay for the aging population. You're looking through a magnifying glass at your current situation and missing the complete view.
Why did Humana only cover most of the charges when your spouse had a stroke? IMHO, that should be totally covered unless she was ordering steak for dinner every night.
People can elect advantage medicare if they want. My irritation is how there is such a concerted effort to get all senior citizens on a limited care, private insurance plan. There is an effort to close out original Medicare, which is arguably the gold standard of health care for all senior citizens struggling with health care issues.