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Re: For anyone on Medicare please read
[Re: moparx]
#3269009
11/07/24 10:17 PM
11/07/24 10:17 PM
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Joined: Jan 2003
Posts: 16,141
Omaha Ne
TJP
OP
I Live Here
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OP
I Live Here
Joined: Jan 2003
Posts: 16,141
Omaha Ne
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friday my wife and i are meeting with our insurance lady to go over what is out there for next year that will meet our needs. what concerns me the most, is the possibility of "pre-existing conditions" being a cost escalator that will be unaffordable for us [and others] to obtain the health care we need. this greatly concerns me, and i'll leave it at that.  if you're both on Medicare, pre -existing conditions shouldn't come into play. The same for Obamacare. Keep us posted on your findings  one of the main concerns, is finding a drug plan that covers the drugs we need, [formulary] while being able to afford the plan and any co-pays the drugs will cost us. several drugs we take are hugely expensive. as we are both on medicare, that part doesn't bother us. | Understood  Someone needs to address the issue as well as the insurance industry overall 
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Re: For anyone on Medicare please read
[Re: TooMany62s]
#3269388
11/09/24 05:11 PM
11/09/24 05:11 PM
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Joined: Dec 2005
Posts: 12,733
Fulton County, PA
CMcAllister
Mr. Helpful
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Mr. Helpful
Joined: Dec 2005
Posts: 12,733
Fulton County, PA
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When you're about to turn 65, your mailbox is full of people trying to sell you stuff. One caught my eye and I called them. Straight forward, took time to explain the options and plans, not pushy, not trying to sell me the moon. Knew what he was talking about. Name of the firm is Fairsquare Medicare. I got the regular plans along with a drug plan and one that picks up charges the first two won't.
I've had some stuff pop up that needed to be addressed. After a few years with what I signed up for, I'm happy with my decisions.
If the results don't match the theory, change the theory.
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Re: For anyone on Medicare please read
[Re: cudaman1969]
#3269410
11/09/24 05:54 PM
11/09/24 05:54 PM
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Joined: Dec 2003
Posts: 23,850
Here
jcc
No soup for you!!!
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No soup for you!!!
Joined: Dec 2003
Posts: 23,850
Here
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Been on Medicare plus the supplement for 10 years. Type F, never have paid a dime, no copays. My agent told me five years ago the advantage plan is no good if you're sick a lot, I’ll stick with what I have, I like walking in and out, last hospital bill was $300,000 in may, 0 for me. Now other shoulder then knee in future. I have it, my older sister calls it the "Cadillac Plan". I'm not sick much, so far, but the peace of mind is comforting.
I forbid my content here from being learned and used by artificial intelligence systems.
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PP
[Re: BDW]
#3269495
11/09/24 10:56 PM
11/09/24 10:56 PM
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Joined: Jan 2003
Posts: 16,141
Omaha Ne
TJP
OP
I Live Here
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OP
I Live Here
Joined: Jan 2003
Posts: 16,141
Omaha Ne
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I’ve got some time, but it never hurts to learn early.
Is it basically the same as shopping for home or car insurance?
Call several agents, ask friends, and decide what’s right?
For some reason I was under the impression there were only 1 or 2 choices? no sir, there are many choices, plans, and several companies all offering multiple plans and that is where they "gitcha". It can be very confusing especially for an elderly person due to the choices. They are ALMOST as upfront as a used car salesperson. And it is why I put the post up. At a casual glance the existing 2024 policy appears the same as the 2025 policy. But they slipped the deductibles in for health (dr. visits) and prescriptions 🙄🙄. Those deductibles DO NOT APPLY to the overall policy deductible. End result, Insured gets porked for another x amount (~500 to 1K) and the insurance companies save 🤑🤑🤑🤑🤑 😳😲. Who would've thought they'd be so ???
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Re: PP
[Re: TJP]
#3269595
11/10/24 11:49 AM
11/10/24 11:49 AM
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Joined: Sep 2003
Posts: 20,742
north of coder
moparx
Buying your homeless and unwanted bolt on battery terminals
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Buying your homeless and unwanted bolt on battery terminals
Joined: Sep 2003
Posts: 20,742
north of coder
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I’ve got some time, but it never hurts to learn early.
Is it basically the same as shopping for home or car insurance?
Call several agents, ask friends, and decide what’s right?
For some reason I was under the impression there were only 1 or 2 choices? no sir, there are many choices, plans, and several companies all offering multiple plans and that is where they "gitcha". It can be very confusing especially for an elderly person due to the choices. They are ALMOST as upfront as a used car salesperson. And it is why I put the post up. At a casual glance the existing 2024 policy appears the same as the 2025 policy. But they slipped the deductibles in for health (dr. visits) and prescriptions 🙄🙄. Those deductibles DO NOT APPLY to the overall policy deductible. End result, Insured gets porked for another x amount (~500 to 1K) and the insurance companies save 🤑🤑🤑🤑🤑 😳😲. Who would've thought they'd be so ??? exactly correct. that is why it is paramount [in my opinion] one has talks with a [or several] very qualified health insurance advisor before locking into any supplementary health care plan. one needs to find something that is RIGHT for oneself, and not listen to all the noise generated by those plans one sees on tv or social media.
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Re: For anyone on Medicare please read
[Re: TJP]
#3271612
11/21/24 05:53 AM
11/21/24 05:53 AM
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Joined: Oct 2009
Posts: 67
Arizona
340rag
member
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member
Joined: Oct 2009
Posts: 67
Arizona
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Interesting, why are they doing this. Is it because of the frauds being committed in Medicare every day? It says here that Medicare costs the federal government (and U.S. taxpayers) tens of billions of dollars each year. So there is a lot of money there.
Last edited by 340rag; 11/25/24 03:42 AM.
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Re: For anyone on Medicare please read
[Re: TJP]
#3271913
11/22/24 08:30 PM
11/22/24 08:30 PM
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Joined: Jan 2004
Posts: 8,930
fredericksburg,va
cudaman1969
Itch Nutz
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Itch Nutz
Joined: Jan 2004
Posts: 8,930
fredericksburg,va
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Been on Medicare plus the supplement for 10 years. Type F, never have paid a dime, no copays. My agent told me five years ago the advantage plan is no good if you're sick a lot, I’ll stick with what I have, I like walking in and out, last hospital bill was $300,000 in may, 0 for me. Now other shoulder then knee in future. Plan F is no longer available unless you're grandfathered in. It was replaced with G I’ll stay there if I can, I’ll call my agent Monday to ask his advice. The supplement is $194 a month now, RX has went up but I don’t take anything, might drop that.
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Re: For anyone on Medicare please read
[Re: cudaman1969]
#3271927
11/22/24 10:39 PM
11/22/24 10:39 PM
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Joined: Jan 2003
Posts: 16,141
Omaha Ne
TJP
OP
I Live Here
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OP
I Live Here
Joined: Jan 2003
Posts: 16,141
Omaha Ne
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Been on Medicare plus the supplement for 10 years. Type F, never have paid a dime, no copays. My agent told me five years ago the advantage plan is no good if you're sick a lot, I’ll stick with what I have, I like walking in and out, last hospital bill was $300,000 in may, 0 for me. Now other shoulder then knee in future. Plan F is no longer available unless you're grandfathered in. It was replaced with G I’ll stay there if I can, I’ll call my agent Monday to ask his advice. The supplement is $194 a month now, RX has went up but I don’t take anything, might drop that. Locally for me The humana Advantage give back plan was the best deal. They actually only charge 125.00 a month which = 1440. a year saving for the wife and I. max out of pocket is 4900 I think. lot's of other pluses. Everyone's needs are different
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