[biker1]

Are you saying that you had zero cost for the surgeries or you had zero cost because you had hit your out-of-pocket maximum prior to the surgery? The reason I ask is that Medicare Advantage Plans typically have pretty high out-of-pocket maximums (say around $6K).

Originally Posted by Pedrocarrasco01@yahoo.com

We do have it and have had it now for 4 years, happy enough that won’t look at any other plans. All Doctors that we have gone so far take Humana, love the no premium other than the Medicare payment, reasonable copays, had United Health Care PPO before, way too expensive, when I switched to Humana, I saved $400 per month, never again UHC. Love our over the counter drugs that we get free every month. Recommend it highly, had two surgeries at U of F in Gainesville (wanted the best Dr.) and wife had one at Advent in Orlando (again the best Dr, recommended by our MD) no issues, all hospitals here accept it as payment in full, but we chose to go to get it done right the first time, which it was done. Love it!!!!

[tombpot]

The more treatment that’s needed later on you will complain about your advantage plan.

[BonnieLou]

My husband and I have had Humana PPO for a number of years - love it!
Never had an issue with doctors, services, or getting services approved.

[chrissy2231]

get fl blue so you can use doctors in villages medicare advantage plan. Leonel Barron 352-729-3442. Dr. Uyen Nguyen 352-674-1710 for primary is the best doctor I've had in my lifetime. she also does osteopathic manipulations; much different and better than Chiro.

[jrieker68]

Originally Posted by biker1

Are you saying that you had zero cost for the surgeries or you had zero cost because you had hit your out-of-pocket maximum prior to the surgery? The reason I ask is that Medicare Advantage Plans typically have pretty high out-of-pocket maximums (say around $6K).

This poster said they paid no premiums; did not say they didn't pay any out-of-pocket costs.

[Dan9871]

Originally Posted by biker1

The reason I ask is that Medicare Advantage Plans typically have pretty high out-of-pocket maximums (say around $6K).

For 2021 the United Healthcare Advantage plan has a $2900 out of pocket limit.

[biker1]

I was essentially asking him if he paid out-of-pocket expenses. Here is his statement:

Recommend it highly, had two surgeries at U of F in Gainesville (wanted the best Dr.) and wife had one at Advent in Orlando (again the best Dr, recommended by our MD) no issues, all hospitals here accept it as payment in full,

By "payment in full", I assumed he meant that the hospitals accepted his Medicare Advantage Insurance as payment in full (i.e. no additional cost). I don't believe this has anything to do with his premiums.

Originally Posted by jrieker68

This poster said they paid no premiums; did not say they didn't pay any out-of-pocket costs.

[biker1]

The HMO option has a $2900 out-of-pocket maximum.The PPO option has a $5900 out-of-pocket maximum.

Originally Posted by Dan9871

For 2021 the United Healthcare Advantage plan has a $2900 out of pocket limit.

[Roron123]

Enter your doctors names on the plan and the medications you are taking and see which plans come up for you specifically and then compare co-pays (best is United Healthcare then Blue Cross PPO compare with Humana PPO) but make sure your Drs are on the plan you choose and that your medications are covered!

[KRM0614]

Originally Posted by retiredguy123

Just to clarify, Medicare Supplement (Medigap) plans and Medicare Advantage plans are two entirely different products. A Medicare Supplement plan will cover the Medicare Part A and Part B co-pays, but you still have "regular" Part A and B Medicare. A Medicare Advantage plan will replace Medicare Part A, Part B, and Part D with one separate plan (Part C). Many people seem to confuse these terms.

The confusion is in how it interacts with the mandated portion of Medicare Parts A and B for which the rate is 144.80 a month for the newbies by CMS. If the plan mentioned covers A B D then is the policyholder paying twice or coordinated with CMS?
Anyone who can do an example would be great. Made the mistake of turning 65 in 2020 and no ability to sit down at Social Security and review this.

[KRM0614]

Originally Posted by jedalton

have Humana Gold for 4 years and no problems at all

How much do you pay for Humana gold ? Is this in addition to CMS part A and B of Medicare of 144.80 per month

[biker1]

Regardless of whether you choose a Supplemental Plan to Medicare (aka Medigap) or choose to signup for a Medicare Advantage Plan (which relieves Medicare of any responsibility for your healthcare costs), you will still pay the $144.80 to Medicare. Typically you will see the following:

Option #1: Medicare plus Supplemental - $144.80 + cost of Supplemental Plan (typically around $150-$200), per month

Option #2: Medicare Advantage Plan - $144.80 + $0 or a small premium, per month

There are, of course, differences between Option #1 and Option #2 with regards to the network, co-pays, out-of-pocket maximums, etc. There are several different Supplemental Plans and numerous Medicare Advantage Plans.

Originally Posted by KRM0614

The confusion is in how it interacts with the mandated portion of Medicare Parts A and B for which the rate is 144.80 a month for the newbies by CMS. If the plan mentioned covers A B D then is the policyholder paying twice or coordinated with CMS?
Anyone who can do an example would be great. Made the mistake of turning 65 in 2020 and no ability to sit down at Social Security and review this.

[Altomama]

Almost everyone in TV will take Humana. I had it for a few years. Liked it. Only changed to get a better rate on specific meds. I had to take. Within TV I have found that most Medicare Advantage plans are accepted by most doctors. If I need to see a specialist that is out of network they will usually work with me and adjust the fees.

[marmick2]

We have had the Humana PPO, which is a Medicare Advantage Plan, for many years and love the fact that we don't need a referral to see a specialist, can travel and still see any doctor in their plan, have never had a problem finding a doctor here. All at Premier Medical accept it I believe as well as many others. You can also use it at the UF Hospital and Specialists. The HMO is not good if you travel which is why we have the PPO.

[retiredguy123]

Originally Posted by biker1

Regardless of whether you choose a Supplemental Plan to Medicare (aka Medigap) or choose to signup for a Medicare Advantage Plan (which relieves Medicare of any responsibility for your healthcare costs), you will still pay the $144.80 to Medicare. Typically you will see the following:

Option #1: Medicare plus Supplemental - $144.80 + cost of Supplemental Plan (typically around $150-$200), per month

Option #2: Medicare Advantage Plan - $144.80 + $0 or a small premium, per month

There are, of course, differences between Option #1 and Option #2 with regards to the network, co-pays, out-of-pocket maximums, etc. There are several different Supplemental Plans and numerous Medicare Advantage Plans.

With Option 1, you would need to add the cost for a prescription drug plan, which is Part D. Option 2 would usually include prescription drugs.

Also, the $144.80 cost is not for everyone. It is based on income and many people pay a lot more than that.