Quote:
Originally Posted by delima2000
Is plan f all I need along with a,b and d. What are advantage plans? So confused  |
Advantage plans are generally zero cost and are HMOs.
Meaning you have Dr and hospital restrictions. You can check the DRs and hospitals on the plan before you enroll.
If you go to the hopital, you can pay $250/ day for say 7 days ( all plans are different)
If you have diagnostic testing you pay 20%. But don't sweat this because the 20% is based on what Medicare pays which is quite less than what was paid by your insurance company when you were working.
My wife has an advantage plan because she is on disabilty and she is under 65. She has almost all the key Docs she had under my group plan and as it turns out the same hospitals. She has AARP Advantage and if you go out of your local area this would be allowed.
Now if you need, there are Supplemental plans which can cost up to $400/ month. Gernerally most DRs and hospitals are on the plan, a stay in the hospital can be at low cost, rehab in a home could be low cost for up to 100 days and it pays the 20% medicare does not pay.
Lastly, regardless of plan there is good old medicare Part D. This is the drug plan and usually are included with Advantage plans but not so much on supplemental. (You have to get an individual part D plan)
If you have to take drugs, especially high cost ones, it does get very expensive...
This is very general because it's only Medicare 101!
Good luck!