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Medicare supplements
Posted: Mar 21, 2016
Does anyone here have Medicare supplement (MediGap) or Medicare Advantage Plan and are you happy with it? My Medicare policy start 04/01 and I have no idea what kind of supplement to get. Thanks for any info.
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See A - Medicare Supplement
[ In Reply To ..]Insurance consultant. I am sure no matter where you are, they have one locally who will go through all of the available option plans with you and explain them in detail so that you can make an informed choice. That was the name of my consultant... Informed Choice. It really helps clarify things and you can find the best plan for you. Good luck.
Agree! Get some help. I went with Humana via an agent sm - nm
[ In Reply To ..]after doing a lot of comparison shopping on my own. She has been a big help and is just a phone call away.
I would be interested in seeing others' experience on this - MsMagoo
[ In Reply To ..]I became eligible for Medicare 3 years ago. I pay $250 a month for supplemental insurance. I have a friend that has been on Medicare for 2 years and she did not purchase a supplemental plan. Her copays and final bills are much, much less than mine. In addition to the $250 a month I pay for supplemental insurance, my copays are $25 for primary care, $40 for specialists, and I usually get billed at least $50 per visit. She pays $15 copay, even at urgent care, and usually doesn't get any other bills. Sometimes I feel like I am punished for having supplemental insurance. BTW, I got my insurance through a consultant. I think they are on the side of the insurance companies, so they probably won't help you much on the decision whether or not to get supplemental insurance, but just which one is right for you.
Maybe it - is determined by state...
[ In Reply To ..]but I have no premiums for supplemental insurance, and I surely would not have accepted one for $250 a month either. And yes, some of these consultants are paid commission by the insurance companies if they sell a policy from that particular company. My copays are in line with yours. If your friend has no supplemental insurance, Medicare will not cover some things at all. She is walking on thin ice not having coverage. But again, there are plans out there that require no premium whatsoever. You just have to look. but again, it may be different by state. That I am not sure of.
I only have the part of Medicare I am required to take, - part of Medicare picking up on hospitalization
[ In Reply To ..]if there is any part of the bill after my private insurance does not pay. I have a question though, is Obamacare a supplement to Medicare because I think that might be a cheaper way if you are needing something. I have a friend who was laid off from dock work and she got Obamacare and the cost is a big fat 0 for her. I just do not know if it works with Medicare though.
In answer - to your question
[ In Reply To ..]no. obamacare does not work with Medicare, thank god!!
If you have private insurance, as well as Medicare, then you probably would not need supplemental insurance, as your insurance company is billed first, and then Medicare covers whatever they cover of the bill. You may be left with some residual to pay.
Only part A required person. I do not need a - supplement on any medical
[ In Reply To ..]costs, my private insurance is PPO and pays most everything, but for me if I did need a supplement and had to pay $250 a month plus all the other the OP has to pay and Obamacare was free, that would be idiotic not to take the free instead of paying, but then I guess some people just so dead set against their own President, as my mother used to say, cut off your nose to spite your face.
If you're on Medicare you can't...sm - Anon
[ In Reply To ..]participate in ACA health insurance BUT you can sign up for Medicare and keep insurance from your employer until such time as you stop working, THEN, you can purchase a Medicare supplement plan to enhance your plan B or sign up for a Medicare Advantage Plan. It's either one or the other. OR you can stick with the straight B only without a supplement, but be prepared to pay a lot out of pocket because it doesn't cover very well.
To add to my post above...sm - Anon
[ In Reply To ..]If you opt for a Medicare B supplement, you also have to purchase part D (drug plan). If you decide to do an Advantage plan, most of them include part D (drug plan), so you don't need to purchase it separately.
I have private insurance but Medicare says you HAVE - to have part A (but no cost to me)
[ In Reply To ..]I have no Medicare coverage other than the no cost part A. I do not want Medicare. I have private through my husband's job. Being as he is younger, he has quite a few years to go before he reaches full retirement age and thus eligible for Medicare himself. Until then I will just stay on his plan.
Yes that's right...sm - Anon
[ In Reply To ..]You can sign up for Medicare and take only part A (hospital), and stay insured with your spouse through his employer's plan until such time as he leaves work/retires, THEN you can pick up B as is, or get a supplement to B and part D (drug plan). You can also get an Advantage plan which is different than a supplement. I have mine through BCBS. They had about 6 different ones to choose from with varying costs from from $0 to around $250 a month in addition to your plan B cost. My total monthly cost is around $185 and includes drugs with very reasonable copays like $4 generic, $45 brand, etc. The other copays for doctor visits and hospital stay are also very reasonable. I don't think $185 a month for good health insurance is bad at all.
I'm also going to go with BCBS. It's the most - affordable for me, and they also - S/M
[ In Reply To ..]have a perk called "Silver Sneakers", where I can belong to not just one, but SEVERAL local gyms for free! I'm not a gym-rat, but have issues with OA and since losing my former 24-Hr. Fitness membership after working for an MTSO and becoming poor, my leg strength and range of motion have diminished, not to mention upper body strength. I can't join until summer, but I can hardly wait!
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