Quote:
Originally Posted by LoriAnn
You said it perfectly Avista, the replacement policies are great and save you money if you don't get sick. They are designed to save the Medicare system money in a Patients sickest years. Timing is everything. If a critical illness or injury occurs close to the window that allows you to change back to traditional Medicare, you win. Otherwise, a patient can have thousands of dollars in co-pays and deductibles. The maximum out of pocket is deceiving too. The replacements still pay all vendors much less than traditional Medicare. That puts a very sick patient in the position of not having access to the best providers. I have seen people spend their life savings for treatments not covered by their replacement. GTTPF, you have a supplement not a replacement. It sounds like you have kept your traditional Medicare and are paying for a supplemental policy. That is a safe choice.
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Yes, traditional Medicare with a supplement and RX drug coverage is certainly a safe choice. It is what I nave been on. However it is quite expensive for many of us on fixed incomes.
With Preferred Care Partners I could save $3416/ year. Double that and include my husband and it comes to a savings of $6832/ year. We plan to put that money aside should we ever need it.
Here's how I get my figures:
2011 Medicare Supplement per month $160
2011 RX Plan. $48
Then add the $75 returned to you my Preferred Care Partners
Multiply by 12
With Preferred Care Partners I will have a Board Certified Internist.
If you need a cardiologist, here are the Cardiologists they use:
www.citruscardiology.org. They look good to me and are in Sumter Landing
This is a great thread and I would enjoy other comments. I haven't signed up yet, but am close to it.
