Quote:
Originally Posted by ijusluvit
I'm looking for a Medicare advantage or supplemental plan which covers all medical fees.
I've been told that the AARP Plan F, offered through United Health Care, is this type of plan and the literature claims there are absolutely no out-of-pocket costs for anything after payment of the monthly premium. My residence of record is in New York, where the single person premium is now approximately $175 per month.
Anyone have this plan or another which provides full benefits?
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I have this plan, but as a FL resident; it's my understanding that the plans are issued by state, and that not every plan is available in every state. Without any intention to whine, I deal with several serious health issues, care for some being where the best care is available (not in FL), and this plan has indeed covered absolutely every bill I've incurred (with only one exception; see below).
As another poster pointed out, however, if Medicare doesn't cover it, then this plan won't either. I've had this happen only once in many years, but I was aware of it in advance, so it was no surprise.
It makes life simple that there are no claim forms or any other paperwork to deal with, with a Medicare supplement plan. Once Medicare processes a claim, it automatically kicks it over to the supplement plan, which then picks up and pays deductibles, copays, and so forth.
One other thing to keep in mind is that Medicare supplement providers contract with the federal government to offer these plans, the point being that United HealthCare's Plan F is IDENTICAL in coverage to, say, Mutual of Omaha's Plan F and any other carrier's Plan F. The ONLY difference is the cost of the monthly premium. In other words, it's a no-brainer to take the Plan F for your state that charges the lowest monthly premium. For me in FL it is the AARP United HealthCare Plan F.
As far as Medicare Advantage plans are concerned, keep in mind that they are local HMO plans. If a subscriber must seek care in an area other than where the plan is based, then one is "out of network," and this can be pretty costly. So this is not a good plan for anyone who is not essentially in one place 24/7/365, that is, not good for snowbirds.
Hope this helps.