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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: 16,035
Omaha Ne
TJP
OP
I Live Here
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OP
I Live Here
Joined: Jan 2003
Posts: 16,035
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: 12,626
Fulton County, PA
CMcAllister
Mr. Helpful
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Mr. Helpful
Joined: Dec 2005
Posts: 12,626
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: 23,602
Here
jcc
No soup for you!!!
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No soup for you!!!
Joined: Dec 2003
Posts: 23,602
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'm with Helmuth Hübener, and no soup is being served today.
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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: 16,035
Omaha Ne
TJP
OP
I Live Here
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OP
I Live Here
Joined: Jan 2003
Posts: 16,035
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: 20,562
north of coder
moparx
"Butt Crack Bob"
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"Butt Crack Bob"
Joined: Sep 2003
Posts: 20,562
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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