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Medicare Advantage Plans
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steve(ill) View Drop Down
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Joined: 11 Sep 2009
Location: illinois
Points: 78761 		Post Options Post Options   Thanks (0) Thanks(0)   Quote steve(ill) Quote  Post ReplyReply Direct Link To This Post Topic: Medicare Advantage Plans
    Posted: 10 Mar 2022 at 1:18pm
Seems like a LOT of Medicare commercials on TV. I thought the SIGN UP was done 2 months ago !!... So i looked on the "internet" and apparently you have till March 31 to CHANGE your plan if you want... You have to ALREADY be signed up, but you can CHANGE.

Medicare is run the Fed Govt... That allow Medicare ADVANTAGE plans to be  handled by Independant  Insurance Companies.... Most of those plans cover a wide  variety of coverage under ONE plan... I also "internet" to see why so many commericals are made. It seems that  the GOVT pays the Insurance Company around $1000. (per month) for each person that signs up with them and moves away from the "standard medicare" run by the GOVT... The Advantage plans are "regulated" by the GOVT and must include the same coverage ( or more)... Seems to be real competative right now as they start to include eyes / ears / teeth in order to attract more people... They said the plans change state by state or county by county depending on what is the "reasonable cost" for coverage in your area...


Edited by steve(ill) - 10 Mar 2022 at 1:19pm
Like them all, but love the "B"s.
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Coke-in-MN View Drop Down
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Joined: 12 Sep 2009
Location: Afton MN
Points: 41351 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Coke-in-MN Quote  Post ReplyReply Direct Link To This Post Posted: 10 Mar 2022 at 10:20pm
They are fishing for people just turning 65 , moving to different locations , or have not signed up yet . 
 I didn't sign into Medicare at 65 as had a group policy and wife was on it , if I had changed to Medicare she would have been dropped, would have had to find a policy for her and she would have had pre-existing conditions . 
 As long as my policy met or exceeded coverage offered by Medicare i could stay on it , when I did sign up for Medicare when she reached 65 I just had to submit proof that my policy met the requirements . 
  Here in MN I went with Ucare and a Advantage plan - all wifes present doctors were in plan so no changes needed .  
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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Ray54 View Drop Down
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Joined: 22 Nov 2009
Location: Paso Robles, Ca
Points: 4408 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Ray54 Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jun 2024 at 11:11am
Gee what a topic to turn up today. We have an Advantage plan, testing it out right now. My wife had a hip replacement yesterday. Time to finish up chores and be there when the doc checks in at noon, and if things are good bring her home.

The same doctor has performed 2 knee replacement on her and a hip on me. But then we were covered by her school insurance she had until she turned 65 at which point you are kicked off for Medicare to be your insurance. So the bills will roll in soon, then we will know how our current coverage is.
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TramwayGuy View Drop Down
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Joined: 19 Jan 2010
Location: Northern NY
Points: 11316 		Post Options Post Options   Thanks (0) Thanks(0)   Quote TramwayGuy Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jun 2024 at 9:22pm
Out of network can be a problem with advantage plans. And also they tend to deny coverage more often than conventional Medicare. Why wouldn’t they— they get paid whether your provider does or not.
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tadams(OH) View Drop Down
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Joined: 17 Sep 2009
Location: Jeromesville, O
Points: 9803 		Post Options Post Options   Thanks (0) Thanks(0)   Quote tadams(OH) Quote  Post ReplyReply Direct Link To This Post Posted: 19 Jun 2024 at 12:59pm
My wife and I have been with Medical Mutual and it has served us well.
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Coke-in-MN View Drop Down
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Joined: 12 Sep 2009
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Points: 41351 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Coke-in-MN Quote  Post ReplyReply Direct Link To This Post Posted: 19 Jun 2024 at 4:51pm
Most Advantage plans have a limit on out of pocket , U Care was $3,500 max out of pocket . Anything beyond that was $ 0  co-pay .
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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DMiller View Drop Down
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Joined: 14 Sep 2009
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Points: 30015 		Post Options Post Options   Thanks (0) Thanks(0)   Quote DMiller Quote  Post ReplyReply Direct Link To This Post Posted: 19 Jun 2024 at 6:03pm
Currently on AETNA, not seeing a issue, YET, but only had since January.  DO cover more aspects than base Medicare, as well the Parts C&D, so far spent $40 in visit copays, NOTHING more.
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steve(ill) View Drop Down
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Joined: 11 Sep 2009
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Points: 78761 		Post Options Post Options   Thanks (0) Thanks(0)   Quote steve(ill) Quote  Post ReplyReply Direct Link To This Post Posted: 19 Jun 2024 at 8:17pm
I have had AETNA ADVANTAGE for 3 years.... Seems GREAT to me.. I have paid very little if anything.. but my bills probably dont amount to $1000. a year. ....They paid $500. for a complex tooth extraction one year and $250. for a checkup / x-ray this year... They cover $1000. in dental and vision i think as part of the STANDARD plan...Yearly Dr visit was no cost.. he wanted me to prick my finger and take blook glucose readings for 90 days.. equip was all free.... im on some daily pills to help your prostrate so you piss better... no cost... My monthly Premium is $0.0

Edited by steve(ill) - 19 Jun 2024 at 8:20pm
Like them all, but love the "B"s.
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DMiller View Drop Down
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Joined: 14 Sep 2009
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Points: 30015 		Post Options Post Options   Thanks (0) Thanks(0)   Quote DMiller Quote  Post ReplyReply Direct Link To This Post Posted: 20 Jun 2024 at 4:27am
My monthly is also paid by my Medicare benefit, company I retired from ‘gifts’ $3500 against dental or vision expenses per year and will allow one year carry over so has been hanging at $7000 since my last major work last year.

Edited by DMiller - 23 Jun 2024 at 1:39pm
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Coke-in-MN View Drop Down
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Joined: 12 Sep 2009
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Points: 41351 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Coke-in-MN Quote  Post ReplyReply Direct Link To This Post Posted: 23 Jun 2024 at 12:03pm
https://www.facebook.com/reel/1892378757877425

Kind of explains how MEDICARE works and costs 
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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Steelawin View Drop Down
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Joined: 25 May 2023
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Points: 3 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Steelawin Quote  Post ReplyReply Direct Link To This Post Posted: 27 Jun 2024 at 5:00am
how would it be if you had more expensive bills? Any ideas?
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Dale (Stonelick) View Drop Down
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Joined: 13 Jun 2019
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Points: 158 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Dale (Stonelick) Quote  Post ReplyReply Direct Link To This Post Posted: 19 hours 42 minutes ago at 9:10am
My wife & I have the Aetna Medicare Advantage plan.  It has zero monthly premium and some nice extra benefits: some dental & eyecare, we each receive $600 annually for online CVS (they own Aetna) health related items (we quarterly order a lot of stuff we don't need), and each can receive up to $600 reimbursement annually for healthy activities (just got a $600 check for reimbursed golf green fees). Assume there is a lot of money made in the insurance & pharma industries based on all the tv advertising.
1951 CA - 1944 C - 1949 B - Kubota M6800
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steve(ill) View Drop Down
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Joined: 11 Sep 2009
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Points: 78761 		Post Options Post Options   Thanks (0) Thanks(0)   Quote steve(ill) Quote  Post ReplyReply Direct Link To This Post Posted: 19 hours 19 minutes ago at 9:33am
Dale, that shows the variation in plans between different States.. I have the same plan as you, but in our zip code, we get $300. from CVS.. ($75. per quarter)...  they do cover $1000. for basic eyes, hearing, dental per year (each).. for for Zero monthly payment..

Edited by steve(ill) - 19 hours 18 minutes ago at 9:34am
Like them all, but love the "B"s.
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john2189 View Drop Down
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Joined: 11 Sep 2009
Location: Minerva,Ohio
Points: 303 		Post Options Post Options   Thanks (0) Thanks(0)   Quote john2189 Quote  Post ReplyReply Direct Link To This Post Posted: 17 hours 56 minutes ago at 10:56am
Originally posted by steve(ill) steve(ill) wrote:

I have had AETNA ADVANTAGE for 3 years.... Seems GREAT to me.. I have paid very little if anything.. but my bills probably dont amount to $1000. a year. ....They paid $500. for a complex tooth extraction one year and $250. for a checkup / x-ray this year... They cover $1000. in dental and vision i think as part of the STANDARD plan...Yearly Dr visit was no cost.. he wanted me to prick my finger and take blook glucose readings for 90 days.. equip was all free.... im on some daily pills to help your prostrate so you piss better... no cost... My monthly Premium is $0.0

Steve, watch those piss pills, i was on doxizosin mesylate and it lowered my blood pressure enough that when I swallowed food, id get dizzy enough that I would pass out. The dr took me off of them. Stopped getting dizzy, and I couldn’t tell any difference in my pissing
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steve(ill) View Drop Down
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Joined: 11 Sep 2009
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Points: 78761 		Post Options Post Options   Thanks (0) Thanks(0)   Quote steve(ill) Quote  Post ReplyReply Direct Link To This Post Posted: 16 hours 17 minutes ago at 12:35pm
im on tamsulosin... been over 100 days now.. Seems to help me 75% better... Dont have any side effects.... if it lowered by PB 10 points i would not complain !! Wink
Like them all, but love the "B"s.
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john2189 View Drop Down
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Joined: 11 Sep 2009
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Points: 303 		Post Options Post Options   Thanks (0) Thanks(0)   Quote john2189 Quote  Post ReplyReply Direct Link To This Post Posted: 14 hours 60 minutes ago at 1:52pm
Good 😊
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