Talk of The Villages Florida - Rentals, Entertainment & More
Talk of The Villages Florida - Rentals, Entertainment & More
#16
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I think what you are talking about is what medicare "Guaranteed Issue Right". Switching from Advantage to regular Medicare is not a problem.
What might be a problem is picking up a Medigap, i.e. supplemental, policy. If you have the Guaranteed Issue Right then any insurance company that offers a Medigap policy must accept you without any conditions. Here is the Medicare page that explains when you have a Guaranteed Issue Right: https://www.medicare.gov/find-a-plan...otections.aspx Even if you don't have a Guaranteed Issue Right an insurance company may accept you anyhow, but they don't have to and may charge you extra over their regular rates. |
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#17
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#18
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#19
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Medigap is the supplemental insurance policy which picks up some or all of the costs that medicare does not cover. It does not cover prescription drugs. That requires a separate part D drug plan.
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#20
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Pennsylvania, for 60+ years, most recently, Allentown, now TV. |
#21
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FYI - Plan F is probably going away for new Medicare recipients in 2020. Suggest you Google for exact details.
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#22
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It is true plan F is going away but plan G is nearly identical. Only difference is plan G had a $185 yearly deductible. After the deductible is paid everything else is covered the same as plan F. On the plus side the monthly premium for a current plan G is lower than the current comparable plan F.
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#23
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The supplement plans are sometimes called medigap plans, i.e. they cover the "gap" not covered by Medicare - the deductible and copays for hospital and doctor charges. As has been stated, prescription drugs are covered by a separate Prescription Drug Plan, aka Medicare Part D.
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#24
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#26
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#27
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#28
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Medicare Advantage Plans cover all Medicare services | Medicare |
#29
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We have had Florida Blue Advantage PPO for 7 years. My wife has had stomach cancer surgery, and her knee and hip replaced. Our choice of specialists though limited to preferred providers, has been excellent. Her choice of Moffitt Cancer Center in Tampa is in the Network, while not in the UHC Advantage Network. Her knee surgeon choice and hip choice we also in Network. Monthly premiums have varied a bit each year, but currently are $42. I investigated The Villages UHC Plans and system but found them to be ever changing and seeming to have a difficult time finding a satisfactory identity. Now I understand TV Healthcare Plan will be accepting Florida Blue Advantage. Not sure why now and not earlier. I have a Primary GP and have had him since before going on Medicare. Most of my friends that have had TV UHC Plans have had issues. Originally they accepted supplemental plans, then they didn’t. Primary Physicians have left frequently leaving them to change and change hoping to find one they like. My experience is to date TV Healthcare has not been able to solidly find it’s identity, at least for me. It certainly is a great concept and I wish them future success.
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#30
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My Wife had Federal Bluecross/Blueshield for years but turning 65 this year made her eligible for Medicare. With her on Medicare we decided to drop her Federal Bluecross/Blueshield because of the cost. We met with an independent Health Insurance Representative outside of The Villages and discussed different supplemental plans. We chose Unitedhealthcare, they have two options, one is no cost and the other is $80.00 a month. With that said at the moment the Villages Health Clinics are only accepting Unitedhealthcare to be seen at there clinics. There are doctors and specialist outside the clinic that are preferred providers. Because she turned 65 this year we are eligible to change again during this open season and I am looking at other options.
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