which insurance plan to chose ?

[LouNY]

The best place I found was the actual Medicare dot gov web site, also my county website was good.

 

[mjonesnh]

Currently on "G" plan . Humana says G plan still available but not F. Roll of the dice on Medicare. Advantage would save my wife and I money now, but Supplement may be needed later on. Limited time to choose supplement when you start Medicare, later on have to be underwritten and per-existing conditions come into play

 

[buckeyefarmer]

Did a lot of reading today.
Also looked at medicare school videos on youtube.

 

[kenmac]

Did a lot of reading today.
Also looked at medicare school videos on youtube.

He explains The differences between all the plans very well and in detail.
I finally chose Humana supplement N plan over G. Figured I would save money and self insure just a little

 

[bigtiller]

How much does Plan G cost?

My supplemental insurance is employer sponsored. I got the W-2 form for it today. They paid $8500 last year, it covers a lot of stuff. Luckily, it is non-taxable.

Thank You UAW

 

[KennyG]

How much does Plan G cost?

My supplemental insurance is employer sponsored. I got the W-2 form for it today. They paid $8500 last year, it covers a lot of stuff. Luckily, it is non-taxable.

Thank You UAW

Supplement plan costs are not standardized. They vary by location and insurance company. Mine is subsidized by employer as a retirement benefit but I think the total cost is currently about $182/month. It can vary widely. Part D is additional. It's going up a lot faster than supplemental plans.

 

[mjonesnh]

How much does Plan G cost?

My supplemental insurance is employer sponsored. I got the W-2 form for it today. They paid $8500 last year, it covers a lot of stuff. Luckily, it is non-taxable.

Thank You UAW

Mine is currently $130/mo. Current zip code has a lot to do with pricing, as you get older mine increases also

 

[Oaktree]

The best place I found was the actual Medicare dot gov web site, also my county website was good.

We had to shop for a new plan this past year due to our existing one being dropped by the insurer. I think our state has a site, but didn't know offhand what it was...just used the Medicare one. Pretty easy to use, was a bit surprised how few options were available for my county. Last time we had to use it there were way more plans available. Apparently the gov't is making it difficult for advantage plans to operate so companies are dropping them. Fortunately, we were able to find a new one that suits our needs.

 

[LouNY]

We had to shop for a new plan this past year due to our existing one being dropped by the insurer. I think our state has a site, but didn't know offhand what it was...just used the Medicare one. Pretty easy to use, was a bit surprised how few options were available for my county. Last time we had to use it there were way more plans available. Apparently the gov't is making it difficult for advantage plans to operate so companies are dropping them. Fortunately, we were able to find a new one that suits our needs.

Not sure why the variety of plans are becoming less.
I don't know if the government has anything to do with having less plans to choose from so much as around here many hospitals and the health groups they control are refusing to accept many plans.

 

[KennyG]

Medicare Advantage plans are becoming less available in some areas because they are like HMOs in that they only pay fully for "in plan" medical providers. If the reimbursement is below market, the local providers won't participate so the plan becomes unavailable.

 

[buckeyefarmer]

Medicare Advantage plans are becoming less available in some areas because they are like HMOs in that they only pay fully for "in plan" medical providers. If the reimbursement is below market, the local providers won't participate so the plan becomes unavailable.

My current health care plan on United Healthcare can be used as an advantage plan. I have had no problems finding Drs that take it, pretty much every one does.

 

[edgar10937]

medicareschool.com website and on youtube lots of explainations of pro and con to different options with examples
I have AARP plan F and never get a bill cost does go up each year as fewer of us old folks carry on but, F was cheaper than G this year.

 

[kenmac]

My current health care plan on United Healthcare can be used as an advantage plan. I have had no problems finding Drs that take it, pretty much every one does.

Advantage plans are contracts that can and do change from year to year. They are more geared for your specific area. If you travel, they may not be accepted if you should happen to need to use a hospital, or see a doctor. Medicare and a supplement follows you and pays the same no matter which state you may travel to.

Medicareschool.com is your friend on getting educated about advantage plans.
My son is a hospital administrator.. He advised me to stay from advantage plans, and I listened !

 

[LouNY]

The supplement plans do cost more then the advantage plans, so I hope they are worth it.
I went with a supplement instead of an advantage plan for the flexibility.

 

[ultrarunner]

We see quite a few with Advantage everyday but I don't know any of the medical staff eligible with Advantage...

The HMO Kaiser is very popular in California and started on Oakland CA.

 

[buckeyefarmer]

The supplement plans do cost more then the advantage plans, so I hope they are worth it.
I went with a supplement instead of an advantage plan for the flexibility.

I need to double check mine, I said it can be used as advantage, but maybe it’s supplemental instead.

 

[kenmac]

The supplement plans do cost more then the advantage plans, so I hope they are worth it.
I went with a supplement instead of an advantage plan for the flexibility.

but with a supplement, you won't have to worried about if you're covered or not. If Medicare covers it, your supplement has to pay.
You can always switch to an advantage plan, but depending on what state you live in, you can't always switch to a supplement plan.
You can also go to medicare.gov and look at all the advantage plans and see your out of pocket cost. Anywhere from $6,000.00-$10,000.00 max out of pocket per yr

 

[kenmac]

I need to double check mine, I said it can be used as advantage, but maybe it’s supplemental instead.

I have never heard of a supplement that can be used as an advantage plan. And why would you want it to be used as an advantage plan ?
You either have an advantage plan, or a supplement plan.

You can check out all plans available on medicare.com, or watch the videos on medicareschool.com

 

[buckeyefarmer]

I have never heard of a supplement that can be used as an advantage plan. And why would you want it to be used as an advantage plan ?
You either have an advantage plan, or a supplement plan.

You can check out all plans available on medicare.com, or watch the videos on medicareschool.com

That’s what I said

 

[buckeyefarmer]

My existing united health ins brochure is confusing on the subject.
In one paragraph it says I can have traditional Medicare A and B , then it will reimburse me most of part B if I select Retiree Advantage. It says part A and B are primary. So it sounds like a supplement plan

I think for it to be a supplement, I don’t select to get reimbursed for the PartB, ie by not choosing Retire advantage.


Then it talks about part C plans as a separate thing, but then goes into the Retiree Advantage again in addition to an advantage plan.

To me it looks like I can keep my existing plan to supplement either traditional or part C advantage.
Them naming it Retiree Advantage causes confusion.