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Originally Posted by Gretch298
How about pre-existing conditions? We need to find one that will cover my husbands chemo. Any ideas on that? What might be best in that case? Thanks....
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I assume that you are asking about an advantage plan covering chemo? Preferred Care Partners plans cover chemo drugs at 80%. As far as I can tell I would be responsible for the 20% co-pay. There IS an out-of-pocket maximum that I would have to pay, yearly, of $3400 or $5000, depending on which policy I was with. (They offer two in this area) Factoring in the partial return of my Medicare Part B premium ($75 per mo.) and my savings from what I used to pay for a supplemental policy, plus drug coverage ($200 per mo.) I am saving $3300 per year. This means that the most
actual out-of-pocket expenses I would have would be $100 or $1700, depending on the plan I have. As to pre-existing conditions, PCP never asked me about my health issues as far as cancer is concerned. If your husband has Medicare and a supplemental policy, and you do NOT want to worry about paying 20% of his chemo drugs, perhaps you and he might have more peace of mind if you stay with that coverage. With ANY advantage plan that you look at be sure to note what your total out-of-pocket expenses will be for a year.