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For anyone on Medicare please read #3268424
11/05/24 10:52 PM
11/05/24 10:52 PM
Joined: Jan 2003
Posts: 16,088
Omaha Ne
T
TJP Offline OP
I Live Here
TJP  Offline OP
I Live Here
T

Joined: Jan 2003
Posts: 16,088
Omaha Ne
For anyone on Medicare pay attention to your chosen plan. There are some changes being slipped in that some may not notice if they are not paying attention. The changes involve "deductibles" the insured has to pay before the insurance pays anything.
These deductibles apply to any health related visit to a doctor or prescriptions. They do vary by plan but can be costly for those on tight budgets frown
I hoping this will stay non political as it is meant to be an informative post beer

Capture.JPG
Re: For anyone on Medicare please read [Re: TJP] #3268461
11/06/24 07:39 AM
11/06/24 07:39 AM
Joined: Dec 2003
Posts: 23,712
Here
J
jcc Online content
No soup for you!!!
jcc  Online Content
No soup for you!!!
J

Joined: Dec 2003
Posts: 23,712
Here
I'll add. whatever you got, enjoy it while you have it.


I forbid my content here from being learned and used by artificial intelligence systems.
Re: For anyone on Medicare please read [Re: jcc] #3268464
11/06/24 08:14 AM
11/06/24 08:14 AM
Joined: Feb 2004
Posts: 35,181
S.E. South Dakota !
bigdad Offline
Still Posting A Lot
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Joined: Feb 2004
Posts: 35,181
S.E. South Dakota !
I weighed my options and only took part A for now , still on company insurance for foreseeable future ,zero cost and 2500 deduct


The lips of fools bring them strife, and their mouths invite a beating.Proverbs 18:6
Re: For anyone on Medicare please read [Re: bigdad] #3268477
11/06/24 09:10 AM
11/06/24 09:10 AM
Joined: Jan 2003
Posts: 11,007
North Dakota
6PakBee Offline
I Live Here
6PakBee  Offline
I Live Here

Joined: Jan 2003
Posts: 11,007
North Dakota
Wifey and I are on part A, B, and D Medicare with supplements. The no cost, provide everything "plans" smack too much of HMO's and I've old enough to remember what a fiasco they were.


"We live in a time when intelligent people are being silenced so that stupid people won't be offended".
Re: For anyone on Medicare please read [Re: 6PakBee] #3268496
11/06/24 10:22 AM
11/06/24 10:22 AM
Joined: Jan 2003
Posts: 21,894
A collage of whims
topside Offline
Too Many Posts
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Joined: Jan 2003
Posts: 21,894
A collage of whims
I have Medicare A & B, $240 deductible.
Best thing is my supplemental Plan G through Mutual of Omaha - $163.35/mo.
Eye surgeries & hip replacement cost me next to nothing, yearly deductible is something like $300 (don't recall exactly at this moment, but it's low).
I pay for meds because I don't take many and it's kind of a wash, coverage cost vs out-of-pocket.

SO much better than when I had Obamacare some years ago and my kidney surgery cost me $20,000.

Re: For anyone on Medicare please read [Re: 6PakBee] #3268497
11/06/24 10:22 AM
11/06/24 10:22 AM
Joined: Sep 2003
Posts: 20,677
north of coder
moparx Offline
"Butt Crack Bob"
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north of coder
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.
beer

Re: For anyone on Medicare please read [Re: topside] #3268505
11/06/24 10:37 AM
11/06/24 10:37 AM
Joined: Jan 2003
Posts: 26,497
United Socialist States of Ame...
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tboomer Offline
Too Many Posts
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Too Many Posts
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Joined: Jan 2003
Posts: 26,497
United Socialist States of Ame...
Originally Posted by topside
I have Medicare A & B, $240 deductible.
Best thing is my supplemental Plan G through Mutual of Omaha - $163.35/mo.
Eye surgeries & hip replacement cost me next to nothing, yearly deductible is something like $300 (don't recall exactly at this moment, but it's low).
I pay for meds because I don't take many and it's kind of a wash, coverage cost vs out-of-pocket.

SO much better than when I had Obamacare some years ago and my kidney surgery cost me $20,000.


Wow!! I didn't know you had kidney surgery! My wife is on the transplant list at the University of Iowa Hospitals and Clinics. She got a call two days ago and is on standby meaning that her bags are packed are ready to go! up


Need your rear end checked out? Contact Grizzly!!
Re: For anyone on Medicare please read [Re: tboomer] #3268524
11/06/24 11:36 AM
11/06/24 11:36 AM
Joined: Jan 2003
Posts: 21,894
A collage of whims
topside Offline
Too Many Posts
topside  Offline
Too Many Posts

Joined: Jan 2003
Posts: 21,894
A collage of whims
Oh yeah, Ted - left one was almost completely blocked - they called it a "staghorn" - several hours' surgery.
Three follow-ups after that for the ultrasound deal.
It was all a pretty big deal.

Re: For anyone on Medicare please read [Re: topside] #3268591
11/06/24 02:03 PM
11/06/24 02:03 PM
Joined: Jan 2003
Posts: 26,497
United Socialist States of Ame...
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tboomer Offline
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Joined: Jan 2003
Posts: 26,497
United Socialist States of Ame...
Sounds like you are doing well! grin


Need your rear end checked out? Contact Grizzly!!
Re: For anyone on Medicare please read [Re: tboomer] #3268599
11/06/24 02:27 PM
11/06/24 02:27 PM
Joined: Jan 2003
Posts: 15,633
Norwich CT USA
moparts Offline
I Live Here
moparts  Offline
I Live Here

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Posts: 15,633
Norwich CT USA
Yes, the advantage plans can suck with all the co pays and deductibles

And some Doctors have stopped taking some of the plans , but regular medicare not a problem

So A, and B with the gap covered by G and then a D for Rx drugs , not the easiest to figure out

But at least I'm not paying the $40 on everything co pay I did under the affordable frown care act


Tom ,

2011 Ram 3500 C&C Diesel
2009 Challenger R/T
1971 Challenger Conv. 511/4 speed
1970 Challenger R/T 503/727


Re: For anyone on Medicare please read [Re: moparts] #3268626
11/06/24 03:55 PM
11/06/24 03:55 PM
Joined: Jan 2003
Posts: 44,029
Round Lake Beach, Illinoisy
Rhinodart Offline
Rhinotruck
Rhinodart  Offline
Rhinotruck

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Posts: 44,029
Round Lake Beach, Illinoisy
So far all I have had to pay is the typical $20 copay. Got lots done in the last year I couldn't afford to do before Medicare! up


The funny thing about science is that if you change one miniscule parameter you change the entire outcome to the way you want it.

JB Rhinehart, Realist

A-Body's RULE!
Re: For anyone on Medicare please read [Re: TJP] #3268646
11/06/24 05:04 PM
11/06/24 05:04 PM
Joined: Jan 2003
Posts: 75,340
A gulag near you.
JohnRR Offline
I Win
JohnRR  Offline
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Posts: 75,340
A gulag near you.
Originally Posted by TJP
For anyone on Medicare pay attention to your chosen plan. There are some changes being slipped in that some may not notice if they are not paying attention. The changes involve "deductibles" the insured has to pay before the insurance pays anything.
These deductibles apply to any health related visit to a doctor or prescriptions. They do vary by plan but can be costly for those on tight budgets frown
I hoping this will stay non political as it is meant to be an informative post beer


Originally Posted by jcc
I'll add. whatever you got, enjoy it while you have it.


that didn't take long


Mainstream Media is the new Pravda
Re: For anyone on Medicare please read [Re: JohnRR] #3268660
11/06/24 05:50 PM
11/06/24 05:50 PM
Joined: Jan 2003
Posts: 26,497
United Socialist States of Ame...
T
tboomer Offline
Too Many Posts
tboomer  Offline
Too Many Posts
T

Joined: Jan 2003
Posts: 26,497
United Socialist States of Ame...
Originally Posted by JohnRR
Originally Posted by TJP
For anyone on Medicare pay attention to your chosen plan. There are some changes being slipped in that some may not notice if they are not paying attention. The changes involve "deductibles" the insured has to pay before the insurance pays anything.
These deductibles apply to any health related visit to a doctor or prescriptions. They do vary by plan but can be costly for those on tight budgets frown
I hoping this will stay non political as it is meant to be an informative post beer


Originally Posted by jcc
I'll add. whatever you got, enjoy it while you have it.


that didn't take long
whistling


Need your rear end checked out? Contact Grizzly!!
Re: For anyone on Medicare please read [Re: JohnRR] #3268668
11/06/24 06:11 PM
11/06/24 06:11 PM
Joined: Dec 2003
Posts: 23,712
Here
J
jcc Online content
No soup for you!!!
jcc  Online Content
No soup for you!!!
J

Joined: Dec 2003
Posts: 23,712
Here
Originally Posted by JohnRR
Originally Posted by TJP
For anyone on Medicare pay attention to your chosen plan. There are some changes being slipped in that some may not notice if they are not paying attention. The changes involve "deductibles" the insured has to pay before the insurance pays anything.
These deductibles apply to any health related visit to a doctor or prescriptions. They do vary by plan but can be costly for those on tight budgets frown
I hoping this will stay non political as it is meant to be an informative post beer


Originally Posted by jcc
I'll add. whatever you got, enjoy it while you have it.


that didn't take long


You expect less I guess?


I forbid my content here from being learned and used by artificial intelligence systems.
Re: For anyone on Medicare please read [Re: jcc] #3268674
11/06/24 06:21 PM
11/06/24 06:21 PM
Joined: Jan 2004
Posts: 8,884
fredericksburg,va
C
cudaman1969 Offline
Itch Nutz
cudaman1969  Offline
Itch Nutz
C

Joined: Jan 2004
Posts: 8,884
fredericksburg,va
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.

Last edited by cudaman1969; 11/06/24 06:22 PM.
Re: For anyone on Medicare please read [Re: moparx] #3268764
11/06/24 10:04 PM
11/06/24 10:04 PM
Joined: Jan 2003
Posts: 16,088
Omaha Ne
T
TJP Offline OP
I Live Here
TJP  Offline OP
I Live Here
T

Joined: Jan 2003
Posts: 16,088
Omaha Ne
Originally Posted by moparx
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.
beer


if you're both on Medicare, pre -existing conditions shouldn't come into play. The same for Obamacare.
Keep us posted on your findings up beer

Re: For anyone on Medicare please read [Re: moparts] #3268767
11/06/24 10:23 PM
11/06/24 10:23 PM
Joined: Jan 2003
Posts: 16,088
Omaha Ne
T
TJP Offline OP
I Live Here
TJP  Offline OP
I Live Here
T

Joined: Jan 2003
Posts: 16,088
Omaha Ne
Originally Posted by moparts
Yes, the advantage plans can suck with all the co pays and deductibles

And some Doctors have stopped taking some of the plans , but regular medicare not a problem

So A, and B with the gap covered by G and then a D for Rx drugs , not the easiest to figure out

But at least I'm not paying the $40 on everything co pay I did under the affordable frown care act


If I may ask, what does A, B, G and D total a month or year on premiums ?
And what other expenses may total? Dental, optical copays on prescriptions, earing aids etc.

I ask as up to now we have paid ZERO for insurance (175 a month standard fee) and the other expenses have been ) or minimal.
But it does depends on the plan

Previously we were paying ~ 200 a month in additional premiums or 2400 a year

Switching to an ADV plan that had a 4K max out of packet expense we had that covered in 20 months and have saved another 4500 or so since. Again it depends on the plan on selects. beer

Re: For anyone on Medicare please read [Re: topside] #3268770
11/06/24 10:31 PM
11/06/24 10:31 PM
Joined: Jan 2003
Posts: 16,088
Omaha Ne
T
TJP Offline OP
I Live Here
TJP  Offline OP
I Live Here
T

Joined: Jan 2003
Posts: 16,088
Omaha Ne
Originally Posted by topside
I have Medicare A & B, $240 deductible.
Best thing is my supplemental Plan G through Mutual of Omaha - $163.35/mo.
Eye surgeries & hip replacement cost me next to nothing, yearly deductible is something like $300 (don't recall exactly at this moment, but it's low).
I pay for meds because I don't take many and it's kind of a wash, coverage cost vs out-of-pocket.

SO much better than when I had Obamacare some years ago and my kidney surgery cost me $20,000.


I was on Obamacare in 2017 when I had a triple bypass that went sideways. I was in an induced coma for ~ 3 weeks, transferred to specialty facility for ~1.5 weeks. That was followed by 4 weeks of inpatient therapy. Total cost was under 3-4K. The first bill arrived 4 days after the procedure it was over 400K shocked .

Re: For anyone on Medicare please read [Re: cudaman1969] #3268771
11/06/24 10:35 PM
11/06/24 10:35 PM
Joined: Jan 2003
Posts: 16,088
Omaha Ne
T
TJP Offline OP
I Live Here
TJP  Offline OP
I Live Here
T

Joined: Jan 2003
Posts: 16,088
Omaha Ne
Originally Posted by cudaman1969
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 beer

Re: For anyone on Medicare please read [Re: TJP] #3268882
11/07/24 12:12 PM
11/07/24 12:12 PM
Joined: Sep 2003
Posts: 20,677
north of coder
moparx Offline
"Butt Crack Bob"
moparx  Offline
"Butt Crack Bob"

Joined: Sep 2003
Posts: 20,677
north of coder
Originally Posted by TJP
Originally Posted by moparx
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.
beer


if you're both on Medicare, pre -existing conditions shouldn't come into play. The same for Obamacare.
Keep us posted on your findings up beer




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.
beer

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