Quote:
Originally Posted by Rainger99
There are two that seem to fit his description. I am trying to find out which one he recommends.
HumanaChoice Florida Giveback H5216-452 (PPO)
Humana Full Access Giveback H5216-393 (PPO)
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We're on the 1st one, but that's not a recommendation. You need to do your own research. I'm just saying I don't understand why people defend paying twice what they probably paid for their employer's insurance for a Medicare add-on, after paying 3% of their income for their entire career towards Medicare. The result they get seems no different than what they'd get for free, so far as I can tell.
I chose the "giveback" deal because Humana is the only one offering it, and I'd rather have the money in hand than beg for it through the various gimmicks United was doing, like free "stuff" from some weird online store that mostly had "stuff" I don't need.
I apply that same logic concerning the $1000/mo it would cost for a Medicare supplement. $12K/yr in the bank buys a lot of healthcare that I probably won't even use, anyway. I buy insurance for disasters, not groceries. My "free" MA plan (that I already paid for) pays at least 80% of the disaster costs, and I've saved $12K/yr towards the 20%, in the meantime.