CFrance |
03-02-2013 07:38 PM |
Quote:
Originally Posted by Whimsey
(Post 634536)
Hi Everyone -- first time on TOTV so bear with me if I make some boo boos. My husband and I have visited The Villages twice and decided it's the place we want to be. Getting the house ready to put on the market - hopefully won't take too long to sell. We would love to be in The Villages before the end of summer. Anyway I have a question...we are getting ready to purchase supplemental insurance ... do any of you know if Capital Blue Cross supplemental insurance is widely acceptable in the Villages? I know I should probably put this under the medical heading but since I'm in the newbie section I thought I would throw the question out there. I have been following TOTV for almost a year and I'm thrilled to be part of it now. From what I have read there certainly seem to be a lot of really nice people that I can't wait to maybe meet in the future. Thanks for providing so much good information. :clap2:
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Welcome, Whimsey! I hope your house sells soon.
I'm no expert, but it was my understanding that a supplemental health plan (if you are talking about a plan supplemental to Medicare insurance) covers you anywhere in the country, anywhere that accepts Medicare. An advantage plan is regional and you would pay additional if you needed medical services outside of the advantage plan's area.
For instance, since we have a permanent residence in MI, we did not take an advantage plan because we would pay extra if we needed medical down here at our FL residence. So we took out a supplemental with Omaha, which covers us anywhere without any extra penalty for being out of network.
On the other hand, an advantage plan will still cover you, just cost more for the services. But it is less expensive than the supplemental plan, so you could very well come out even if you rarely need health care out of network.
I suggest seeking the advice of a health insurance broker. We learned a lot from ours about Medicare and the extra insurance you need. Just keep in mind that they do not represent every single ins. plan out there, because they must take a course an be certified by every company, so they usually choose a few and sell those. At least, that's the way it is in MI.
Hope this helps. Anyone, feel free to point out any errors on my part.
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