Medicare Poll

[frayne]

If you are of medicare age which option or plan are you on ? Medigap/Supplemental Plan or Medicare Advantage Plan ? Also if you care to comment further as to the type, monthly cost, etc. please feel free to do so.

My plan, and I'm a 73 year old white male.

Retiree Aetna Medicare Advantage PPO plan with a drug component
Cost $95 per month
$300 deductible and max out of pocket $2000 per year.
$20 and $30 co-pays for PCP and specialists respectively.
I can use out of network providers as long as they agree to bill Aetna.
Overall, I'm satisfied with my plan but always looking for better options.
What say you and thanks in advance.

 

[REWahoo]

I'm on a Medigap plan N and, at age 77, just went through underwriting to change carriers.

I was with MoO paying $140/mo and went with Allstate at $104/mo. I've seen far too many ~20% MoO rate increases in various states over the past few months and am concerned that's what I can expect from them going forward. I decided to make the move to another provider while I was still healthy enough to make it through underwriting.

 

[MichaelB]

Both DW and I have traditional Medicare. She has a BCBS MediGap G and I have a UHC/AARP MediGap G.

 

[mathjak107]

medicare and HUMANA high deductible F PLAN

 

[Gumby]

Retiree Aetna Medicare Advantage PPO with drug coverage, under a plan underwritten by my last employer (the State of Connecticut). No deductible. $2000 OOP limit. $15 copays. No in or out of network distinction. Cost is zero and the State subsidizes my Part B premium by increasing my pension, including IRMAA if applicable. Thankfully, I haven't ever needed much in the way of medical care, but if and when I do, I think my plan is a pretty good deal.

 

[pacergal]

Kaiser Advantage, we chose the no cost premium one, but added $44/mo for vision and dental. I have high eye pressure/early glaucoma and both hubby and I wear glasses, so its a good added benefit.

 

[aja8888]

Humana Plan G (full) - $311/month premium (age 80)
$240 annual deductible
All other costs covered

Plan D with Wellcare - $0.50/month premium

OOP drug cost per year is $58.00 (only take one prescription)

 

[frayne]

Anyone care to share their monthly cost and if they have to pay separately for a drug plan ?

TY aja8888

 

[MissMolly]

Retiree Humana Medicare PPO provided by state retirement system. Cost for me is $0. Cost for spouse is $77/month. $500 deductible and $1,200 MOOP. Prescription coverage included with no deductible and no donut hole.

 

[mathjak107]

humana high deductible f plan 100 a month .

well care drug plan 12 a month .

deductible of 511 on tier 5 and 6 drugs and subject to the gap where after 5k or so drugs you pay 25% until 8k

my trulicity falls in that category .its 1k a month

it’s a 500 deductible, then 11 dollars a month until 5k is paid out .

the rest of the year cost me 250 a month .

 

[Teacher Terry]

I have a plan G and it costs 169/month. The cost goes up 15-20/month every year. My WellCare RX plan went to zero this year. My total cost is 330/month but luckily being a state retiree I get 195/month towards premiums.

 

[REWahoo]

Anyone care to share their monthly cost and if they have to pay separately for a drug plan ?

TY aja8888

I have the same plan D as aja888, $0.50/mo.

 

[Trooper]

For those with low cost Advantage plans, I thought that Advantage insurees still had to.pay the Part B premium?

 

[Car-Guy]

Medicare advantage sponsored by previous employer.

$74 mo (plus the $174.70 mo for basic Medicare taken out of SS each mo that people seem to forget about.)

Covers hospital/doctors/drugs.

$4000 Max OOP for Medical
$2000 Max OOP for Drugs

No networks or restrictions on facilities, doctors or pharmacies we use.

 

[Gumby]

I'm in a Medicare Advantage plan and Part B premiums are deducted from my social security checks, but I get an offsetting increase in my pension payment. That offset, however, is a rare perk.

 

[Doribe]

My plan, and I'm a 67 year old white female.

Retiree United Health Care Medicare Advantage PPO plan with a drug component
Cost $72 per month
$350 deductible and max out of pocket $1500 per year.
No co-pay and no lifetime limit
I can use out of network providers.
$100/year allowance for optical. No dental
Drugs are $9 for a 30 day supply and $18 for a 90 day supply.

 

[5Miler]

Traditional Medicare
Supplemental UHC/USAA Plan G - $152 (Age 70)
Medicare Part D Wellcare - $0.50
Dental is MetLife through the VA - $54 for $3,500/yr coverage

I use the VA for all my medical including vision, Dermatologist and prescriptions so no deductibles unless admitted and no charge for prescriptions although they would also be free under the Wellcare plan. I pay $15 copay for my PCP and $50 for specialist but my Medigap pays most of that.

 

[euro]

I'll be signing up later this year but I voted Medigap becasue that's what it will be 100%

 

[MichaelB]

Anyone care to share their monthly cost and if they have to pay separately for a drug plan ?

DW has BCBS Plan G @$304 and I have UHC/AARP Plan G @254. We both have Wellcare Value Plan D, premium is $0.

 

[frayne]

For those with low cost Advantage plans, I thought that Advantage insurees still had to.pay the Part B premium?

I know I do with my MA plan and it is deducted out of my SS monthly.

 

[zl55lz]

So far it looks like those on a Medicare Advantage Plan have an EGWP (Employer Group Waiver Plan) which are Advantage Plans specially designed for the employer, so can all be different. These are usually much "better" than a publicly offered "tv" plan from what I have read.

Questions:

1) Anyone have any issues with their Advantage Plan through their employer as far as getting things approved/pre-authorized?

2) Anyone get a Part B reimbursement as part of the deal?

 

[frayne]

So far it looks like those on a Medicare Advantage Plan have an EGWP (Employer Group Waiver Plan) which are Advantage Plans specially designed for the employer, so can all be different. These are usually much "better" than a publicly offered "tv" plan from what I have read.

Questions:

1) Anyone have any issues with their Advantage Plan through their employer as far as getting things approved/pre-authorized?

2) Anyone get a Part B reimbursement as part of the deal?

I had major back surgery four years ago, double fusion, L4,5,S-1 and had no problems whatsoever. I think my total out of pocket expenses for everything including a five day hospital stay, drugs, etc. was less than $1500. I believe the total cost billed to the insurance company at that time was in excess of $40K.

No reimbursement for medicare part B on my plan.

 

[Z3Dreamer]

TV plan MA guy here. I am happy with it. Please don't save me from my plan. Thanks, in advance. UHC/AARP PPO.

 

[MissMolly]

So far it looks like those on a Medicare Advantage Plan have an EGWP (Employer Group Waiver Plan) which are Advantage Plans specially designed for the employer, so can all be different. These are usually much "better" than a publicly offered "tv" plan from what I have read.

Questions:

1) Anyone have any issues with their Advantage Plan through their employer as far as getting things approved/pre-authorized?

2) Anyone get a Part B reimbursement as part of the deal?

In the last 4 years I have had fusion of 3 vertebrae in my neck, carpal tunnel revision surgery and thumb joint replacement. My husband had rotator cuff surgery. Multiple MRIs, CT scans, x-rays, PT sessions, etc. No issues with any of them for preapproval. The preapproval process was quick, as in received within 3 - 4 days.

We do not get reimbursement of Part B premium.

 

[Trooper]

Traditional Medicare
Supplemental: UHC AARP Plan G $138/mo.
Part D: Wellcare Value Script $0/mo.

OP: You may want to add a Traditional Medicare w/o Medigap option in your poll, for those that have elected not to use a supplemental plan.