[dougawhite]

Originally Posted by bowlingal

I have traditional medicare and UHC as a supplement. My total yearly payout is less than $2400. I bet your deductible, co-pays are more than that. Why wouldn't you get traditional medicare? make no sense to me.

Most Advantage plans have a max yearly out-of-pocket around $3,000. You never pay more than that max amount for your healthcare in the year. So you ALWAYS pay $2,400 per year for your supplement. In an Advantage plan you sometimes pay the full max amount per year (~$3,000) but NEVER more than that; and most years you pay a lot less than that for total healthcare.
PLUS, with Advantage you'll get $1,000 per ear for hearing aid coverage, dental cleanings are covered, covered eye exam, several hundred dollars discount off your glasses. AND all your prescription drugs, no need for Part D...
Now does it make sense?

[dblwyr]

The initial post makes it clear that the poster should contact SHINE or similar help to explain Medicare Plans. Supplemental plans, such as the poster mentioned—plan G—is not available to enrollees in Advantage Plans. Rather, they are supplemental to original Medicare Plans and based on the one selected offer various benefits to help with uncovered costs under original Medicare Plans. Advantage Plans, known as Medicare Part C, are administered by contractors under arrangement via the Medicare Agency.

[Oneiric]

For info go on "Medicare On Video" on YouTube and watch "Why I Would Never Choose Medicare Advantage" before you make any decisions. Be Smart!

[jojo]

I had a similar issue with my mother. She was fine with an Advantage plan until she needed rehab after a hospital visit. They would only approve two godawful places nearby in The Villages. It was a nightmare. We have Plan G and it is the best.

[Mrprez]

Originally Posted by jojo

I had a similar issue with my mother. She was fine with an Advantage plan until she needed rehab after a hospital visit. They would only approve two godawful places nearby in The Villages. It was a nightmare. We have Plan G and it is the best.

What happened to your mother? How did you resolve the nightmare?

[Mrprez]

Originally Posted by allsport

DO NOT give up G for any advantage plan. The advantage plan gets rewarded for keeping you from care. The Village system is less than stellar. I had to go to their specialty clinic and they charged my insurance for a procedure I never had and they charged me for a well woman visit. I fought for 3 months to get it fixed. They also tried to make me pay in advance for an injection and charge me an actual visit for a shot. If I had not been a healthcare professional, I might never have figured out what they did.

I don’t doubt what happened to you and you are right. If you can get a Medigap policy and you can afford the premium then go for it. If you are on Medigap now you probably shouldn’t switch to MA. Medigap plans are very hard to get on if you are sick. You have to pass a medical exam before they will approve you.

[jojo]

I thought I hit reply. I'm responding to a previous poster who asked what happened to my mother.

Fortunately she was only in for two weeks and then was released home. She was 105 at the time. They lost her hearing aids the first night she was there and it went downhill from there. I spent as much time as I could at the facility and enlisted friends to be with her. She passed away at 106 and was walking on her own and using the computer the week she died. Her heart just gave out.

[Mrprez]

Originally Posted by jojo

I thought I hit reply. I'm responding to a previous poster who asked what happened to my mother.

Fortunately she was only in for two weeks and then was released home. She was 105 at the time. They lost her hearing aids the first night she was there and it went downhill from there. I spent as much time as I could at the facility and enlisted friends to be with her. She passed away at 106 and was walking on her own and using the computer the week she died. Her heart just gave out.

Woah! 105? That’s amazing. And using a computer. I’ll bet she had some stories to tell.

[Rhonda West]

Originally Posted by metoo21

So, are you a permanent resident of Florida? Have another home out of state? We would be permanent residents of FL with no other home. plan G in our current home state will be cheaper than in FL.

Resident of Florida. Secured the supplement "F" through Banker's Life - I can provide you with the agents contact info - supplement is $309 p/mo.

[metoo21]

So, those with G, who is the insurer? United Healtcare, Cigna, ???

[crydzanich]

Moffitt took my United Healthcare for my cancer surgery in 2017. No problems.

[bassfish]

Ive had it for yrs. Cost higher in Fl., about $200 per mo for retired person over 65. It covers all but Medicare deductible, around $200. Free to go to any dr except The Villages Health primary Dr. But can go to The Villages Specialty dr’s they accept Medicare. I go to 2 specialty dr.’s from Villages Health.

[craigrmorrison]

Originally Posted by billethkid

If it is standard medicare plus a supplement then usually everything is covered....pick your own doctors/hospitals/no referrals required to go to specialists.
Some might say it costs more....all I know is we have not had to reach in our pocket for ANY procedures.....very major surgeries over the years.....100% covered.

A few of items to consider:

The Villages Health (Primary Care) would not be accessible

You are best served in purchasing a prescription drug (Part D) plan as MediGap (aka supplements) do not cover your prescriptions outside of a hospitalization.

There is no dental, hearing or vision benefits with a MediGap policy.

For more information, visit
www.800GoMeducare.com