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Medicare coverage insurers

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Topic: Medicare coverage insurers
Posted By: DMiller
Subject: Medicare coverage insurers
Date Posted: 18 Feb 2023 at 7:27am
Need to express some concerns. Was steered to a Humana Medicare”No extra Cost” program by my retirement employer brokerage. Sell was not really hard, the coverages sounded good not great but the draw of no extended premium by the broker got me. Is a scam, typical insurance double speak. Have to have receptive medical associations and physicians to buy into the reduced pricing, to which I have found next to none. Out Of Pocket expenses to apply to deductibles are only for ‘covered’ procedures or processes and in only those medical suppliers accepting their fees schedules.

So I am hung out to dry until October when the markets re-open to allow swapping to another service provider.

So far this month over $500 not covered costs as the providers are Not ‘in
Network’ and are no providers they can furnish as replacement as no one performing said services accept their fees schedules.

HUMANA is a Scam



Replies:
Posted By: tadams(OH)
Date Posted: 18 Feb 2023 at 8:02am
When my wife and I retired we went to a county meeting to sign up and the woman instructing us said don't get prescription and medical from the same company, it's cheaper this way. So I have Medical Mutual for medical and Cigna for prescription. My wife has Medical Mutual and Humana 


Posted By: steve(ill)
Date Posted: 18 Feb 2023 at 8:19am
50% of seniors are on Medicare "ADVANTAGE PLANS"... This is a Private run Medicare Program that gets your premium that you pay the GOVT every month ( about $160.) and also part of the money you have paid to the GOVT for the past 40 years for MEdicare..

The "ADVANTAGE" of these plans is they cover the Part A- B- Extended B, maybe drugs, maybe dental, maybe vision, all in one plan. They are REQUIRED to be as good as or BETTER than  Standard Medicare..  Their BASE plans cost $0.   ( they get your $160. month from the GOVT + what you have paid for 40 years into Medicare)... The BASE plan might not a lot of EXTENDED PART B..... Some companies have better plans in different areas... I had HUMANA  4 years ago and it cost $97. a month... The last couple years i have had AETNA and it cost $0. per month ...

I dont have a lot of bills, so this is a GOOD PLAN for me.. If i need MORE COVERAGE of EXTENDED PART B, they  have plans that cost $100- 200. per month if i want MORE COVERAGE.... My plan covers free flu shots, shingles shots, $5 for most drugs, and 80% of MEDICAL just like MEDICARE.. Also has $1000. per year for dental and $1000. for vision ..

You have to check EACH PLAN and see that your doctor /hospital are "in network" just like most insurance plans.

For $0. a month and $160. to the GOVT, it works great for me.. My "out of pocket" is less than $500. a year.....i think "the plan" has a MAX out of Pocket of $5000. per year, so i cant really get STUCK if health goes south..


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Like them all, but love the "B"s.


Posted By: DMiller
Date Posted: 18 Feb 2023 at 8:54am
On the phone with their rep this morning, Out of Network the suppliers HAVE to supply with all the receipts you pay out of pocket, seems the eye docs failed to do at least that, HOWEVER, the Out of Network costs are $5450/year and ADDITIONAL to $3000 Out of pocket for In network deductible.  To which once achieve being broke in a few months they pick up at a reduced fee the remaining costs with the Added Caveat the Supplier CAN BILL YOU for overages the insurer does not pay.


Posted By: steve(ill)
Date Posted: 18 Feb 2023 at 9:33am
not much different than STANDARD MEDICARE... Thats why they have the EXTENDED B PLAN that you can buy from "OTHERS"... that covers the cost when STANDARD MEDICARE does not pay past Plan B basics.

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Like them all, but love the "B"s.


Posted By: DMiller
Date Posted: 18 Feb 2023 at 10:26am
Best of all is Truck will now be sold, Will not ever get to enjoy the fruits of my labors.  Expenses have to be met to stay ahead of this, so have contacted friends in the HDT industry to peddle the KW.

Last dreams of traveling the US just went up in a pall of smoke.


Posted By: Coke-in-MN
Date Posted: 18 Feb 2023 at 11:17am
It comes down to the SMALL PRINT - and the overall plan . 
I talked to several individuals who had plans and most seemed happy with them - UNTIL a few years back when the TV adds started pushing the Get Money back (this was for a couple areas in NY State and special exemption) but slick adds are now (I hate to say it SUCKERING PEOPLE who are retired) next to outright FRAUD .
  Back in 2014 when wife passed I had Ucare MN and I got a final breakdown for her medical for her last 8 months $940,000 - Ucare and Medicare negotiated cost savings brought figure to $520,000 or so . Part D prescription drug costs she had hit the Donut Hole in March of that year so had some extra costs there I had to pay .
 She had cataracts removed from both eyes and new glasses , (no co pay) , 3 hospital stays , 3 stays in recovery care facilities , then Hospice care . My total I paid was under $5,000 for all services provided to her .
  I have nothing but good to say about the care and coverage she was given under Ucare MN . I did have some problems with recovery care provider that i voiced but it was not insurance fault - it was lousy staffing and their policies . On speaking to them about problems, they reduced their rate to semi-private room from the single room she had . 
  I get one statement each month listing all charges , what they paid , what I might owe and this is for Doctor, Outside referrals , and drug costs - showing billed services , what Medicare will allow and what Ucare paid - and what I might owe . 
  On Part D most pharmacies run the meds through Ucare when I turn in prescription so what i might own I pay when picking up .
  Drug costs are the big one now Doctor wanted me to take ELOQUIS - cost per month is $1,346 / Insurance says $141 a month for 11 month but first month has a buy in of $580 you need to pay outright .
  I would say get All coverage under 1 plan  - All Advantage plan under same company . 
NOW TO CHANGE PLANS outside the lock in times you could change your address to another area and choose a new carrier  

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Faith isn't a jump in the dark. It is a walk in the light. Faith is not guessing; it is knowing something.
"Challenges are what make life interesting; overcoming them is what makes life meaningful."


Posted By: Ray54
Date Posted: 18 Feb 2023 at 5:51pm
Don't know if this helps  but beside the switching companies at the end of the year. Add here say 30 days around your birthday.


Posted By: DMiller
Date Posted: 19 Feb 2023 at 6:09am
Am on a Retirement company sponsored brokerage system, only option is during fall open market.


Posted By: DMiller
Date Posted: 19 Feb 2023 at 7:25am
Opened the Care Provider lists for a couple of these Medicare Providers, nearly all had been removed from those service providers I have and will continue to use.  Doctor Office on Friday at Col Ortho stated they would accept regular Medicare If I choose to return to it and can accept a Secondary Supplemental insurer for the remnant charges, just not HUMANA as Medicare replacement.  They accept their payment, but being Out of Network can continue to recoup lost fees thru charging the Client, she noted the offices generally accept the payments to reduce a clients costs where even In Network the offices are still allowed to charge a client the remnant should the insurer claim to be covering everything after Deductibles are met.  The insurers most generally never explain that to the clients.

Nothing helped to do anything but increase anger levels.


Posted By: Coke-in-MN
Date Posted: 19 Feb 2023 at 7:31pm
Remember the words of Joe B who said others want to cut your Medicare . 
Well it seems as part of Budget Reduction Act - a 4% reduction to what is paid to hospitals and doctors was  hidden in it - now it's refigured to be 2% after someone on other side of isle hollered FOUL 
 What is going to happen is Doctors are going to STOP accepting Medicare or any form of Insurance that deals with it and Companies will be raising premiums or have such lousy policies you will not realize - the insurance is worthless and wont pay . 

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Faith isn't a jump in the dark. It is a walk in the light. Faith is not guessing; it is knowing something.
"Challenges are what make life interesting; overcoming them is what makes life meaningful."


Posted By: DMiller
Date Posted: 22 May 2023 at 5:24am
Been hard at it, spoke to a business rep at Humana as to either they cease the claims as ‘better than Medicare’ or I go through Insurance commission here. They stumbled and fumbled around trying to justify yet I had already spoken to MO Ins Board commissioner as to this where suggested I speak directly to them on the argument first.

Seems have been dozens of complaints in last few months on this very subject and his office is already investigating.

Spoke to our benefits support group for retirees, they stated I can go back to basic Medicare with a supplement come 11/1 this year, will just have to pay the additional premium, almost $100/mo. Nothing can do for now but wait. With that and thinking on where at age wise, will be less opportunistic on getting major fixes, get evaluated and see what is urgent to repair and leave the rest alone.

Wife is more on board with that as less chance of threatening vacation rides and trips for foreseeable future. Truck is still here just sitting for now.


Posted By: Coke-in-MN
Date Posted: 23 May 2023 at 7:17pm
Every year Medicare sends out a book for your state listing all the plans that Medicare works with , what they cover , what the cost is , listed with or without Part D . 
  I looked at several plans and thought of changing but on review of present plan will keep it . I did take out higher dental insurance as basic covers routine exams and 2 cleanings a year . Plan i have is $25 a month but has copay for fillings , no charge for x rays , and covered the denture I got at 70% but as I had some extractions those cost capped out the $2500 policy .  

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Faith isn't a jump in the dark. It is a walk in the light. Faith is not guessing; it is knowing something.
"Challenges are what make life interesting; overcoming them is what makes life meaningful."


Posted By: DMiller
Date Posted: 24 May 2023 at 4:15pm
Spoke with My GP, the Audiology Doc, the Spine treatment group and a few odd others as to what Insurer they would prefer, ALL Stated Medicare with a Supplement.  Insurers are flavor of the day for them, where some drop coverage or apply tactics to not pay, Medicare has a Fee System, pays like clockwork so long as paperwork is correct.  They also stated BCBS is about the easiest as far as Supplemental plans for handling any Medicare Covered expense and paying the 20%.

Another aspect was my Cataract SURGERY, Medicare would have paid 80% INCLUDING Lens Implant, My insurer here called it Optical not Surgery so would NOT pay until I filed a Protest, yet I still had to pay ALL of lens implant.


Posted By: steve(ill)
Date Posted: 24 May 2023 at 10:18pm
Dave, you should be argueing with Humana.... "BY LAW" the Advange plans have to cover the same thing that Medicare covers.... Govt requires that....... now SUPPLEMENTS will get you MORE than the standard plan, but if you pay for the PREMIUM Advantage plans, they compete with the Supplement plans.
--------------------------

Medicare Advantage Plans must cover all of the services that Original Medicare covers except hospice care. Original Medicare covers hospice care even if you're in a Medicare Advantage Plan. In all types of Medicare Advantage Plans, you're always covered for emergency and urgent care.
https://www.medicare.gov/sites/default/files/2018-07/11474.pdf" rel="nofollow -



Posted By: TramwayGuy
Date Posted: 24 May 2023 at 10:39pm
Just remember that NONE of the Medicare ‘advantage’ plans are actual Medicare. They are private insurers that are not working for you, but rather their stockholders.


Posted By: steve(ill)
Date Posted: 25 May 2023 at 8:45am
Advantage plans HAVE TO COVER THE SAME AS MEDICARE... That is THE LAW..

I have had for several years.. My Premium is $0. per month.. I dont have too many med problems. Think my total out of pocket was maybe $300. this year ...... Wife has a few problems... Same coverage.. Has some dental surgery.. Her total might have been $500.  We have Aetna for $0. cost.


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Like them all, but love the "B"s.


Posted By: DMiller
Date Posted: 25 May 2023 at 4:54pm
They Have to "Cover" does not mean HAVE to Pay same.  Coverage is there, just not at the payment level Doctors and hospitals will any longer accept.   Columbia Ortho where I go accept Medicare, outright, and a 20% copay by a supplement or will adjust that figure if have NOT got one.  Humana, fails to pay Timely(90-180 days) adjusted rates Ongoing never same twice and always challenged.  As to the Cataract Surgery, becomes Semantics and no Humana does NOT have to pay for anything except part of the surgical procedure, ruling internally the rest is a Optical Insurance yet Medicare will pay it all as all Surgically Related.  Already had this discussion with a Medicare Rep who stated Humana is already in trouble with how they do business.


Posted By: steve(ill)
Date Posted: 25 May 2023 at 5:41pm
thats my point.. Seems to be a HUMANA problem ...... i have had ZERO problems with Aetna... coverage actually BETTER than Medicare and Supplement ...as Aetna added $1000. coverage for Dental, and i think $500. for Hearing and Eyes.... and MY cost is $0. per month. ... plus they give me $75. credit every 3 months to buy "pharmacy related items". ...... band aids, cough meds, soap, shampoo, dental, etc..




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Like them all, but love the "B"s.


Posted By: Coke-in-MN
Date Posted: 27 May 2023 at 8:34am
Ucare MN paid for everything when wife had cataract surgery for both eyes , then they paid also for surgery for her dropping upper eyelids , then new glasses which it seems she only needed for some fine detail sight , there would have been a additional charge if she had chosen a different type of lens they use in the eye as were 3 choices for that. 
  Way back a member on here 427 from Rochester MN and I compared BCBS and Ucare and I was paying $54 and he had a premium of $125 and coverage was the same as far as we could tell . 
  Part of the Biden - Budget Reduction Act - cut 2% from Medicare reimbursement to doctors and hospitals so many doctors dropped treating Medicare Patients . 
  Hospice care reverts any and all treatment and drug costs back to Medicare but coverage seemed to be 100% , Wife had 6 weeks Hospice, here at home with Nurse coming in every other day , personal care attendant for bath and other duties on days Nurse didn't come .  

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Faith isn't a jump in the dark. It is a walk in the light. Faith is not guessing; it is knowing something.
"Challenges are what make life interesting; overcoming them is what makes life meaningful."


Posted By: Coke-in-MN
Date Posted: 20 Dec 2023 at 2:09pm
Just got my Invoice for UCare MN for 2024 - it went down to $38 for the medical insurance (includes Part D coverage) and dental supplement through Delta Dental stayed at $25 .
  Big difference came in in 2024 all drug costs are at 0 co pay for drugs in Tier 1, 2 , 3 and the tier 4 drugs are at way lower rates . Elequis dropped to $100 for 30 day and no first month payment of the $511 added so big reduction .
  UCare reimbursed me $150 on eye glasses and covered exam fully . this was 2023 rate . Did see a big jump in prices on from last pair 2 years back even with Sam's Club discount of 20% on total bill . 



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Faith isn't a jump in the dark. It is a walk in the light. Faith is not guessing; it is knowing something.
"Challenges are what make life interesting; overcoming them is what makes life meaningful."


Posted By: DMiller
Date Posted: 20 Dec 2023 at 2:45pm
24 will be the tell tale, will be on Aetna as of Jan 1.  Main provider financial departments were positive on use, also stated would be Far Less if ANY copays under Aetna.  Will See.

Dental I get 3100/year paid out 1/4 per quarter and if do not use rolls to next quarter then year, Company sponsored money.  Basic Cleanings and inspections are Twice/year on Aetna plan.  No Glasses but just had cataracts repairs done, do not need.  Company supplies a $200/quarter Not rolling figure for prescriptions but do not take any.


Posted By: Michael V (NM)
Date Posted: 20 Dec 2023 at 6:26pm
OH MAN,,,I'm sure not looking forward to signing up for this in ~ a year and half,,,,sounds like all about clear as muddy water...

who can s'plain it best??


Posted By: steve(ill)
Date Posted: 20 Dec 2023 at 7:10pm
Michael, when you turn 65 years old the GOVT puts you on MEDICARE for Insurance ( unless you are Employed and the COMPANY will continue to cover your meds-- most will NOT)... The GOVT then takes $170. per month out of your Social Security check as a Premium for the coverage.. You get PART A - Doctor and some Hospital.. You can buy EXTRA to cover Hospital ( part B) and prescription drugs ( part D) ...... You buy the B +D from an Insurance Company as a SUPPLIMENT... Starting several years ago they came up with an "ADVANTAGE PLAN" where you get EVERYTHING from the Insurance Company (A+B+D) and they call it a "C" plan...... The insurance company gets paid by the GOVT from your $170. per month and what you have been paying in TAXES for the last 50 years. ........Many find this more convenient to be with ONE COMPANY and leave the GOVT out of it........ The ADVANTAGE PLANS are becoming more and more popular every year... as the GOVT backs out of administering Medicare..

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n 2021, Medicare Advantage covered nearly half of all Medicare beneficiaries (47%), or 27.6 million people with Medicare. (The number and share of Medicare Advantage enrollees has increased since 2021,  https://www.kff.org/?post_type=issue-brief&p=595114&preview=true" rel="nofollow - up to 30.8 million in 2023 , or 51% of all eligible beneficiaries.)

Of the total number of Medicare Advantage enrollees in 2021, most enrolled in plans that are available to all Medicare beneficiaries, but 5.6 million (20%) were enrolled in group employer- or union-sponsored plans (known as employer group waiver plans, or EGWPs). Under these arrangements, employers or unions contract with an insurer and Medicare pays the insurer a fixed amount per enrollee to provide benefits covered by Medicare https://www.kff.org/report-section/ehbs-2023-section-11-retiree-health-benefits/#figure117" rel="nofollow - . A growing share of large employers with retiree health obligations are offering these benefits through Medicare Advantage plans .



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Like them all, but love the "B"s.


Posted By: ac fleet
Date Posted: 21 Dec 2023 at 6:47am
Its all a scam, BUT that is what we are stuck with. I get the policy thru a financial advisor that does part b on the side. He finds the beast deals and every couple years he finds a different place. I think the last 2 years it is humana, --- I dont mess with it myself,---dont understand any of it!

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http://machinebuildersnetwork.com/


Posted By: mdm1
Date Posted: 21 Dec 2023 at 8:52am
Unless I missed something. Will the company pay what they would pay an in network person and you pay the balance. We do that with our dental. Still not all of it but it helps. 

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Everything is impossible until someone does it! WD45-trip loader 1947 c w/woods belly mower, 1939 B, #3 sickle mower 1944 B, 2 1948 G's. Misc other equipment that my wife calls JUNK!


Posted By: steve(ill)
Date Posted: 21 Dec 2023 at 12:40pm
Mike, each company is a little different, but  "I THINK" that the IN NETWORK is they pay 80% and YOU pay 20% .... Out of NETWORK it might be 70% - 30% ..... but once you hit "THE LIMIT" like $4500. then your OUT and they pay EVERYTHING after that ... That is the MEDICAL... if you dont have "dental" and then need something large, of course they are not paying for that.

Now we have AETNA and it includes $1000. for Dental and $500. for VISION and $1000. for HEARING.... I had a couple teeth pulled and some other done and the bill was $1050. ... and i had to pay the $50.    ... and they really didnt care who the Dentist was.


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Like them all, but love the "B"s.


Posted By: TramwayGuy
Date Posted: 30 Apr 2024 at 6:01am
I stayed with traditional Medicare because I travel some and Medicare covers me wherever I am.   No such thing as ‘out of network’ with part B. Also lots of horror stories from denials with part C, resulting in huge profits at government expense for those part C providers.


Posted By: Coke-in-MN
Date Posted: 30 Apr 2024 at 11:19am
Most Advantage Plans have extended coverage , it might be called out of network , but still covered - the same as with Medicare Standard . 
 Ucare MN is a NON PROFIT - not a Corp with share holders so rates tend to be a lot lower in these types of companies .  
 All policies for seniors - revert to Medicare for Hospice care - 



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Faith isn't a jump in the dark. It is a walk in the light. Faith is not guessing; it is knowing something.
"Challenges are what make life interesting; overcoming them is what makes life meaningful."


Posted By: steve(ill)
Date Posted: 30 Apr 2024 at 11:56am
I still use the Aetna ADVANTAGE PLAN.. been on this for 3 years.. WAs on Humana for 2 years before that.. Monthly Premium is ZERO  ... $0.0 .... works for me  Yearly checkup at Doctor and i paid  ZERO... Put me on  Temsoline (??) for prostrate ( makes you pee better).. and i pay ZERO ....  Glucose was a littel high so he wanted me to do the daily finger poke testing for 90 days... Pharmacy supplied the "kit" and i paid ZERO.... Went to the Dentist for a tooth ache 3 weeks ago.. took x-rays and checks-- said due to sinus infection, will go away soon.. and i paid ZERO.

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Like them all, but love the "B"s.


Posted By: dr p
Date Posted: 30 Apr 2024 at 8:32pm
Do you midwesterners have trouble finding provders who are accepting medicare? Getting close to sign up age. Went in for my physical exam yesterday and my md says he is no longer accepting new medicare patients.


Posted By: steve(ill)
Date Posted: 30 Apr 2024 at 9:56pm
I had not been to the Dr for several years... Turned 70 and thought i should start getting a "yearly test" ..... Called the Local office that has 3-4 Dr. all in the same building.. Got an appointment 2 weeks later. All setup with Medicare payments.. I didnt do anything but show them "THE CARD"..

Did the same thing with Dentist.. Secretary took all the "Medicare" data.. or AETNA should i say, and i had very little involvement.

These are RURAL areas... Several towns 5- 10,000 people in a 50 mile radius... You have to get oer 50 miles to get to "the big city".


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Like them all, but love the "B"s.


Posted By: DMiller
Date Posted: 01 May 2024 at 4:32am
Have noted prior had Humana Advantage, all too many medical people had quietly stopped certification on Humana plan, still accepted their payment however charged client for remainder as again was not on the certification side so essentially became outside Network Coverage.
Moved to Aetna, so far so good and as noted pays for more than just Medicare basics, most of my providers are satisfied(For Now) with Aetna payment schedules.


Posted By: Ray54
Date Posted: 02 May 2024 at 12:55pm
We have an Advantage plan because the doctor we have been using was in the system for that plan. My wife had kept a Delta Dental plan from her old job as until the one doctor dentist left suddenly and the new dentist that took over informed us, she would not except Delta or our Advantage plan dental coverage. My wife found one group dental office that excepts our Advantage dental plan. After a years wait went in for a teeth cleaning yesterday. They only do Special Deep Cleaning with a copay of $45 per quadrant or $180. So in a standard 1 hour appointment the hygienist did 1/2 my teeth for $90. 

So a way to get in your pocket and still make you think your insurance is helping.Confused Maybe , probably . What alternative is there?

Dr P I wish I was closer.

The hygienist told me my gums would be sore today since it was about 2 years since I had been cleaned. They are not thankfully, or did she just not work as hard as she said she was?


Posted By: Coke-in-MN
Date Posted: 02 May 2024 at 9:22pm
Thing is to find a insurance plan and their provider listing of doctors who are in their network . 
 With dental insurance it was harder to find someone who accepted the Ucare Dental through their plan so asked them for a listing of who they had . 
  Doctor I had for several years retired , next primary left the clinic , (dang and she had beautiful blue eyes )  next went into management then retired , so in just a few years it was like revolving door of who I would see next visit . 
 You can look up many doctors or clinics and find who is taking patients , this by yourself , or find what doctors are taking which Medicare advantage plan .

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Faith isn't a jump in the dark. It is a walk in the light. Faith is not guessing; it is knowing something.
"Challenges are what make life interesting; overcoming them is what makes life meaningful."


Posted By: DMiller
Date Posted: 03 May 2024 at 3:54am
Sadly these ‘Advantage ‘Plans that are supposed to reflect what Medicare will convert to are as bad with some worse. If have no deep maladies or issues they can perform well yet so too can Medicare at same money and with doctors more readily accepting. For any serious issues as with the Cubital Tunnel in both my elbows the typical is only around 50% payment where the Clinics Doctors or Hospitals billing the patients for the remainder. And No, even if on the plan program they yes must accept the payment level of the provider, however, that does not impress they cannot bill for the remainder. Medicare is straight forward and absolute, you have A Single level percentage to pay after medicare pays their amount.

Quickly finding from others they must swap plan providers every few years as they either reduce payouts to physicians where they stop being On Program or the plans start ramping back support values. Ring around the Rosey.

Dental is a altogether different animal, my ex employer provides a bulk draw system of $3100/yr, max is a two year bank, submit billing and the money is reimbursed. So far the employer is still supporting that.

Advantage is for the Insurer not the patient in general Regard, they get paid your Medicare premium and you get what they drip out.


Posted By: Kardwo
Date Posted: 14 May 2024 at 6:17am
Man, that sounds frustrating! Dealing with insurance can be such a headache sometimes. I've been there, feeling like you're stuck in a loop of double speak and hidden fees. It's a real bummer when you're promised one thing and end up with something completely different. Lately, I've been thinking about life insurance too, you know, just to make sure my family's covered if anything happens. Been checking out http://purecover.co.uk/" rel="nofollow - purecover.co.uk to see what options are out there. Better to be safe than sorry, right? Hang in there, and hopefully, things will work out better in 2024.


Posted By: jdeere562
Date Posted: 14 May 2024 at 2:50pm
I just went to my local insurance agent. She could explain the options and give advice. Throw all that junk stuff they send in the mail away without opening it. I think mine is Blue Cross and Blue Shield. I can still go to my own DR and not one of those "in network" places in the city. They have paid well for me.


Posted By: Coke-in-MN
Date Posted: 18 May 2024 at 6:52pm
The Medicare handbook for your area will list all the plans and costs along with some options between plans . 
 Next you can select a plan and find out which doctors or clinics accept each plan , this through insurance carrier . 
 Next you look up the choices they give and check online (or call) if and when they have openings or which doctor accepts what . 
 With MN Ucare which offers Delta Dental I tried going through close by dentists and was running into blank wall - Went back to Ucare on phone and said send me a list of dentists in my area that accept the plan - Got a local office of a Group Plan and so far after using them for 2 years well satisfied . 
 That deem cleaning RACKET - one dentist I seen before got onto Group wanted $80 a quadrant , as I was missing some and had 2 bridges in one quad said t should be less - was told if even one tooth in that quad left - same price - $320 for cleaning Forget it .
 When ask for just regular cleaning said they would not do it as Deep Clean was needed so could not do regular cleaning - NEVER WENT BACK THERE 



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Faith isn't a jump in the dark. It is a walk in the light. Faith is not guessing; it is knowing something.
"Challenges are what make life interesting; overcoming them is what makes life meaningful."


Posted By: steve(ill)
Date Posted: 18 May 2024 at 7:06pm
I had a tooth ache and went to the Dentist last month.. Said it was a root touching a nerve and due to SINUS / cold... Would go away in 3 weeks... Took x-rays... $200. paid by Medicare......... ALso told me i need DEEP CLEANING and would be $3000.  ..... My Advantage plan pays $1000. per year .... Told them to "put that on hold".... Wink  Big smile

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Like them all, but love the "B"s.


Posted By: DMiller
Date Posted: 19 May 2024 at 4:26am
Every dentist been at over last 20 or so years pushed Deep Cleanings. One evidently did not notice the scars from a previous that had done that. Never was sold on it even as had it done on Company Insurance. Sore forever and next to no difference of before/after. Started losing teeth a few years after so refuse to suggest for others.


Posted By: Coke-in-MN
Date Posted: 19 May 2024 at 5:50pm
Seems a good hygienist now using the latest water jet (ultrasonic) equipment can do a lot more than the old scrape and scratch tools , but with each new device the trying to UPSELL comes in .  

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Faith isn't a jump in the dark. It is a walk in the light. Faith is not guessing; it is knowing something.
"Challenges are what make life interesting; overcoming them is what makes life meaningful."



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