Ready
Thinks s/he gets paid by the post
I was not planning on becoming a Medicare expert for many years since I’m still almost 20 years away from being eligible for it, but my Dad now has full on dementia and can’t make decisions for himself anymore, so I’m finding it necessary to become an expert on Medicare on his behalf. And I’m finding it very challenging to get accurate information. Here is my problem:
My Dad is eligible for health care benefits as a retiree of a Megacorp. For the past fifteen years he has been on their health care plan, which is United Health Care Medicare Advantage PPO, along with Express Scripts for prescription drugs. Somehow he became un-enrolled in the plan earlier this year, and his nursing home ended up enrolling him in Medicare, along with Humana Walmart RX for prescription drugs. I have been working with his former employer to get him back on United, but a few of his doctors are asking me why I would do this, because they believe that direct Medicare is better than a managed plan.
He currently pays $98.00 for United HealthCare and Express Scripts. Humana charges him $12.60 per month, and Medicare appears to be $105.00. So the costs are about the same. However, I can not figure out which coverage is better, and I can’t seem to find the answers anywhere. United can only tell me what they cover, and Medicare can tell me what they cover, but is there any difference between these two plans?
What questions should I be asking to determine which plan is better? His megacorp claims the total cost of the plan is $300.00, and they are subsidizing it down to $98.00 as part of his retirement benefits. But if Medicare only cost $105.00 plus $12.60 for drug coverage, why would the United plan be valued at $300?
I have 30 days to get him back on United or he permanently loses his right to be on the plan and will have to be on Medicare for the rest of his life. Should I be trying to get him back on United or just leave him on Medicare?
My Dad is eligible for health care benefits as a retiree of a Megacorp. For the past fifteen years he has been on their health care plan, which is United Health Care Medicare Advantage PPO, along with Express Scripts for prescription drugs. Somehow he became un-enrolled in the plan earlier this year, and his nursing home ended up enrolling him in Medicare, along with Humana Walmart RX for prescription drugs. I have been working with his former employer to get him back on United, but a few of his doctors are asking me why I would do this, because they believe that direct Medicare is better than a managed plan.
He currently pays $98.00 for United HealthCare and Express Scripts. Humana charges him $12.60 per month, and Medicare appears to be $105.00. So the costs are about the same. However, I can not figure out which coverage is better, and I can’t seem to find the answers anywhere. United can only tell me what they cover, and Medicare can tell me what they cover, but is there any difference between these two plans?
What questions should I be asking to determine which plan is better? His megacorp claims the total cost of the plan is $300.00, and they are subsidizing it down to $98.00 as part of his retirement benefits. But if Medicare only cost $105.00 plus $12.60 for drug coverage, why would the United plan be valued at $300?
I have 30 days to get him back on United or he permanently loses his right to be on the plan and will have to be on Medicare for the rest of his life. Should I be trying to get him back on United or just leave him on Medicare?