Talk of The Villages Florida - Rentals, Entertainment & More
Talk of The Villages Florida - Rentals, Entertainment & More
#31
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Most likely when you disclose to Shine your employer is paying for your supplement as part of your retirement package they will probably recommend medicare plus a supplement. |
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#32
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#33
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Well, I'm happy to be getting older, because I don't care for the alternative.
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#34
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I'll defer to Golfing Eagles, who by the way is a healthcare provider. I actually asked my longtime pcp in Indiana about this as well, he basically echoed golfing eagles. Your commenting on something you really aren't up to speed on. Again, how much actual research have you done on ALL the different advantage plans? Btw, I know what SHINE was saying. Duh. My point is you're trying to say all advantage plans are bad, and that's just flat wrong. Over 50% of new medicare enrollees opt for advantage plans. Thats a lot of people. I don't think they're just blindly going that route for cost alone. I'm sure many did their homework and research just like we did. But we can agree to disagree on this.
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"Attack life. It's going to kill you anyway." Steve McQueen Last edited by MX rider; 02-28-2024 at 12:40 PM. |
#35
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Yeah, I waited years to get my free Medicare, until I found out it costs me over $630/month. That took some of the fun out of turning 65.
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#36
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I'm ranting but there's a lot more to this than which insurance you pick. After my experiences and my knowledge base I don't have any problem with having a Villages UC Advantage Plan with HMO or PPO or AARP Advantage Plan. Not looking for the "freebies", but instead I feel confident that between what I know to be fact and a solid relationship with a PCP, I can get everything in Healthcare that I will need. BrianL99....I've never had a PCP that worked for an insurance company. Physicians pick and choose which insurance companies they want to associate with after reading all the fine print. They choose to accept insurances that will let them operate with reasonable reimbursement while allowing their patients good benefits coverage. And then there's my Dermatologist that stopped taking Medicare patients because the reimbursement is so low and she wanted a bigger yacht and another rental property....true story Last edited by BigDawgInLakeDenham; 02-28-2024 at 01:29 PM. |
#37
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But then riddle me this: With all my expertise, I get Medicare in 2 months and have already signed up for my advantage plan. Am I stupid? Ignorant? Gullible? (on second thought, don't answer that) |
#38
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@golfing eagles and @BigDawgInLakeDenham thanks for your opinion. I, too, spent my entire career in health care delivery and have the opposite view: I would NEVER sign up for an HMO of any kind, including Medicare Advantage unless it was my only option. Yes, you will save some money. But you will also jump thru more hoops to go anywhere beyond PCP, and I have also heard horror stories of people being denied care they wanted/needed by the HMO. I'm sure it is a good option for many folks, but definitely not me.
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#39
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What kinda of Healthcare worker were you? I'm curious why you fear navagating the system and why you believe insurance companies like United Health Care are evil while the Government is your best friend. I've shocked folks back to life but I've also prepared them for a family viewing and a body bag. I've worked with my orthopedic surgeon on the Trauma Team, when he was a resident, years before having him do my surgery only because of the great respect I had for him and his wonderful humanity. Being a Healthcare Professional does help me navigate the system because I was part of it and I also helped family members to the end of their lives. I've buried my parents, my Brother, my Sister, and most recently my Daughter of 27 years. They all had everything they needed and HMOs were never an issue. As a Frontline Healthcare Worker that participated in lifesaving procedures I had a HMO my entire Adult life and I have never been denied and I've never had to spend A LOT out of pocket and I've seen many "Specialists" without ever seeing a "Hoop". Can you explain how I pulled this off having the evil managed care insurance? I had bilateral knee replacements and my copay was $100. I won't get that much of a discount on an Advantage Plan because that was a benefit of my Employer's plan but withThe Villages United Healthcare Plan my out of pocket maximum for the year would be $2700, even if I had a $100,000 procedure, and that's with no monthly cost........talk about a freebie.....but to each his own..... I'm done |
#40
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Please tell me that is a typo! |
#41
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Unfortunately, there are hospitals which has stopped taking UHC insurance plans as they don't pay promptly or at all. . another friend who's wife has been a nurse in administration for her whole life, had to switch to medicare to get his doctors' requests paid for after this heart by-pass operation which saved his life. times are changing, and UHC is profit over patient. . don't believe anything to the contrary with UHC Advantage plans only work for the healthy with no issues. . and when you do have issues, be sure they are regular everyday issues. . |
#42
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[QUOTE=OrangeBlossomBaby;2305950]It's a crappy plan. The basics are covered, I have to pay $85 per treatment, test, and specialist visit, and I have to keep paying that until I've hit $9700 out of pocket [QUOTE]
I have had two episodes of skin cancer each requiring 22 daily treatments. My only co pay was the initial diagnosis. There were no copays for the subsequent daily treatments. Do different providers have different options regarding copays or is it the insurance plan that determines that? I'm on regular Medicare with a Supplement Plan N. My plan has a $20 copay. |
#43
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Oh and mine is a Nurse Administrator and I would not want her to run my code |
#44
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#45
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but continue on, we will hang on every word you type. . . |
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