[Hardlyworking]

Originally Posted by bsloan1960

How can there be No Premium??? I'll soon go on Part B which is something like $175 per month. So are you saying there are plans that include Part B, but somehow the company bundling the Parts offers it for nothing? How is this possible? If it is, I want in. Thanks

I’d be sure to read the fine print.

[Jayhawk]

Originally Posted by Karmanng

NO ADVANTAGE plans same with MOFFITT center in Florida just a FYI

Really?

"Moffitt Cancer Center and Moffitt Medical Group accept both types of plans"

Differences Between Original Medicare and Medicare Advantage | Moffitt

[Michael 61]

Originally Posted by tombpot

You may be healthy now that usually changes the older we get. If you want the insurance company to manage your health care get an advantage plan. If you don’t t believe me then ask the people in the doctors office if your insurance company oks everything

This is my point - people that love the advantage plan are not being long-sited in my opinion. Advantage is great when your healthy. What happens in a few years when:
1) you have multiple specialists and you are limited to those that are in network.
2) your health takes a turn, and now you have a large deductible /copay to meet.
3) your favorite doctor has left or been booted from network, and now you are forced to find another.
4) a necessary procedure that your doctor prescribes is denied by the advantage claims adjuster

All the above scenarios have occurred! And it is near-impossible to go back to regular Medicare once your forefiet it. That is why those slick advantage commercials play one’s desire to pay nothing for a supplement, and they give you a bunch of freebies to entice you - if you want to roll with the dice with your health, believing you will stay perfectly healthy, and then just drop dead one day, then advantage may work out for you financially. Too much of a risk for me.

[rustyp]

A complete overabundance of misleading to outright false information about advantage plans being posted here. Let's clarify one of the biggest fallacies - you can't go back to Medicare. You can always go back to Medicare in the fall at enrollment time. No questions asked. Supplemental is a different story. Pay attention to the overwhelming majority of doomsday reporters of Advantage Plans. They never had one. Unlike many advantage plans enrollees had Medicare first and switched. Go to SHINE and get the straight story. 48% of Medicare eligible seniors are on Advantage plans. That percentage is increasing year over year.

[chrissy2231]

Originally Posted by Karmanng

Original medicare with a supp you will be better off overall numerous agents have repeatly told me this.........

cuz they make more money.

[Regorp]

Originally Posted by ComingfromCT

Just arrived at our new home! : )
Just found out that I will lose my CT Medicare Advantage plan with Aetna on Apr 1.
So, I need to figure out what I am going to do fairly quickly and my head is spinning from our move. No furniture until Wed etc, etc.

Maybe a crazy question to ask but ......... I am healthy, take no prescriptions and in CT it was best to get a Medicare Advantage plan. Got extra dental benefits, $45 of goods from CVS for free each quarter. .........

Any suggestions what Medicare plan to choose here in the Villages. I have no idea about any of the hospitals, who our doctors will be etc. I feel very lost and am still dealing with the move and a number of other things that we need to accomplish right away.

Any help would be really appreciated.

We came down from CT with an Aetna Medicare Advantage plan that was awesome, but not for Florida. Switched to Florida Blue Advantage that was similar and have no complaints. But meeting with Shine is very helpful to get the right direction to another plan. Welcome to TV!!

[PugMom]

Originally Posted by bsloan1960

You noted: "The advantage plan is good as long as you are healthy". Novice here- what happens once you are not healthy? Is there a different plan for people who have health conditions, and are on several medications?

i've had no problem, my meds have no to low co-pay. i can see my dr's., & if a specialist isn't in network, they will find me one. i may have to drive to orlando or clermont, but i can be seen & treated. Village doctors have gone out of their way to help me, no complaints here

[RPDaly]

///

[rustyp]

Originally Posted by RPDaly

Health insurance at $0 a month premium.
As the old saying goes- If it sounds to good to be true then it probably isn't.
Insurance companies are not in it to be nice to you.

It is not $0 premium. Medicare pays the insurance company the $174 taken out of your social security check each month. When one refers to 0 premium it means you pay no extra beyond the $174 / month for the plan. Not all plans are $0 beyond the $174 / month either. Price seems to have a strong correlation to geographic area of residence.

[aldo28701]

I have Aetna Medicare PPO so I can travel back/forth to NC. You need to do some investigation if you want to keep it.

[RPDaly]

///

[keepsake]

"Health insurance at $0 a month premium."

With medicare the $0 premium outfits get $800+ from the feds for your care. Even the advantage plans that you get $160 back a month from are reaping the $800 a month from the feds.

[rustyp]

Originally Posted by RPDaly

Is it not zero dollar premium for Part B (Medical Insurance) of Medicare and the $174 they take from your check covers only Part A (Hospital Insurance)?
I opted for a supplement plan instead - it covers Part A. That cost me a certain amount each month while Medicare still takes their portion from my check to cover Part A (Hospital Insurance). So you are saying a Advantage plan gives you both parts of Medicare for the same amount in most cases AND drug coverage too. And that is not to good to be true? Again insurance companies are not in it to be nice to you.

Your response is not quite clear to me - no offense. For a person on Medicare, Part A has no premium. It is paid from the Medicare trust fund. Part A is the hospital part. Part A is the part you paid for from your paycheck before retirement. Part B was $174 in 2022. That is the part the gov pulls out of your social security check per month. This is the part you are paying for during retirement.

[chrissy2231]

Originally Posted by RPDaly

Health insurance at $0 a month premium.
As the old saying goes- If it sounds to good to be true then it probably isn't.
Insurance companies are not in it to be nice to you.

absolutely true!

[chrissy2231]

Originally Posted by bsloan1960

How can there be No Premium??? I'll soon go on Part B which is something like $175 per month. So are you saying there are plans that include Part B, but somehow the company bundling the Parts offers it for nothing? How is this possible? If it is, I want in. Thanks

$0 month to FL BL monthly; not what comes out of SS