Talk of The Villages Florida - Traditional Medicare (TM) or Medicare Advantage (MA)

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I don't know anyone paying $1000/month for a Medicare Supplement. I do know a lot of people, including myself, who are paying less than $200/month. Regarding your "free MA plan", you are still paying the Medicare Part B premium of $185.00/month.

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Originally Posted by Blueblaze (Post 2447717)

We're on the 1st one, but that's not a recommendation. You need to do your own research. I'm just saying I don't understand why people defend paying twice what they probably paid for their employer's insurance for a Medicare add-on, after paying 3% of their income for their entire career towards Medicare. The result they get seems no different than what they'd get for free, so far as I can tell.

I chose the "giveback" deal because Humana is the only one offering it, and I'd rather have the money in hand than beg for it through the various gimmicks United was doing, like free "stuff" from some weird online store that mostly had "stuff" I don't need.

I apply that same logic concerning the $1000/mo it would cost for a Medicare supplement. $12K/yr in the bank buys a lot of healthcare that I probably won't even use, anyway. I buy insurance for disasters, not groceries. My "free" MA plan (that I already paid for) pays at least 80% of the disaster costs, and I've saved $12K/yr towards the 20%, in the meantime.

It would be interesting to hear from the foreigners on TOTV on the medical care in their country.

We always hear how much better healthcare is in Europe or Canada or Cuba.

Are there a lot of options and plans?

How is it? How is it paid for? Are there long waits to see a doctor?

Is it as great as we hear?

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Originally Posted by biker1 (Post 2447846)

Totally agree, I’m paying less than $200 per month for what I believe is the best Medicare Supplement plan money can buy. Perhaps they are confusing Medicare with Obamacare? Last year I was paying over $1,000 per month for a far inferior health care plan through Obamacare.

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Originally Posted by kingofbeer (Post 2447027)

54% of Medicare beneficiaries are enrolled in Medicare Advantage plans. I enrolled in Medicare Advantage because I wanted to be able to see Villages Health primary doctors. I was not impressed with any local primary doctors who where not part of Villages Health. IHMO, MA is perfect for those without chronic illness or conditions. High blood pressure, obese, heart condition, obese etc. You will see how expensive a gold Medicare supplemental plan is and then you will decide for yourself.

We don't have those issues you listed but our "expensive in your eyes" Medicare supplemental plan is working for us. We pay our monthly premium and that is it for medical care. No deductible or co-pay to mess around with and we self insure for dental care which is a small amount tucked away every month since we've never had dental insurance and that kitty is in very nice shape. We've had cataract surgery and use dimestore, (for those of you who remember them), readers are about $10. a pair. Checkups with our opthamalogist are covered so no money there. Most importantly, we have great physicians and access to great medical coverage should the occasion arise. Our medical philosophy is if ain't broke, don't fix it so we don't overuse the system. Healthy eating, skipping the mind altering substances and no smoking helps with our goals. We love the simplicity of health care at our ages but as always, to each their own.

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Originally Posted by tophcfa (Post 2447956)

Totally agree, I’m paying less than $200 per month for what I believe is the best Medicare Supplement plan money can buy.

What is the best Medicare Supplement plan??

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Originally Posted by Rainger99 (Post 2448058)

What is the best Medicare Supplement plan??

I guess it’s a matter of opinion, but in my opinion it’s plan G through Blue Cross and Blue Shield (or it’s equivalent if it’s from a state with a different naming convention). Plan F is also good, but not available unless you turned 65 before 1/1/2020. Plan N is also good, it’s a bit less per month than G, but has a small co-pay for part B doctor visits. All lettered Medigap Plans are identical regardless of the provider, which is required by law. I prefer Blue Cross because of the combination of their outstanding reputation, our long time positive experience with them, and their competitive pricing.

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Originally Posted by biker1 (Post 2447846)

Regarding your "Medicare Supplement plan", you are still paying the Medicare Part B premium of $185.00 month. You are paying approx $385 for your medical insurance.

Quote:

Originally Posted by tophcfa (Post 2447956)

You are also paying the Medicare Part B premium of $185.00/month.