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Old 01-28-2020, 11:13 PM   #81
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Originally Posted by SumDay View Post
We have some neighbors who went with MA because they paid 0 premiums, they get a pair of glasses each year, and dental check-ups. Last year he got throat cancer, and while he is now cured and they were pleased with his care, it cost them around $10K, as they had to pay OOP for every scan, chemo, doctor visit, etc. They're regretting their MA decision.
They might have already saved $10K by paying $0 premiums for years?

Regardless, I wouldn’t go that route because I’m tired of max OOPs and limited networks and having a gatekeeper and getting insurance company approvals to see a specialist or get doctor ordered imaging (HMO crap).
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Old 01-30-2020, 06:22 AM   #82
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Originally Posted by kaneohe View Post
Here's a table of the standardized supplement plans. ...
btw ......a YES in the table means it is covered.

https://www.medicare.gov/supplements...digap-policies
What does N/A mean in the MOOP row?
1) potentially unlimited out of pocket
2) zero out of pocket
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Old 01-30-2020, 07:20 AM   #83
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I think they mean 2... zero out of pocket... or more precisely, your out of pocket would be the deductibles and co-pays in the higher rows.... sort of awkward the wya the did it.
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Old 01-30-2020, 08:37 AM   #84
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I think they mean 2... zero out of pocket... or more precisely, your out of pocket would be the deductibles and co-pays in the higher rows.... sort of awkward the wya the did it.
The footnote is equally opaque. What is the "out of pocket limit" for Medicare itself? Why not state that amount?

** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.

The biggest unknown in the whole scheme seems to be the "Part B excess charge" - I guess you have to be an expert in your state laws to figure your worst case expense for that ?

And those who might want to go even to Canada or Mexico need to ask how much private insurance for "Foreign travel exchange" costs. But that probably won't be an every-year expense.
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Old 01-30-2020, 08:41 AM   #85
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Seems like with the cost of medical care rising 5-6% a year, the increase in cost will be transparent with Supplement (Medigap) (a higher premium) but hidden with Advantage (reducing services or raising MOOP). So harder to compare providers with Advantage.
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Old 01-30-2020, 09:25 AM   #86
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I've read through all the reply's on this topic. About a year ago I had heart surgery total cost $122,000. My out of pocket was $450. I have a Medicare Advantage Plan for which I pay no premium. I have to pay my Part B Medicare premium. Total expenses for me and the wife who is on the same plan was under $6000 including all premiums prescriptions and co pays. Wide network of Doctors covering all of Western NY. So far happy with the plan. All Hospitals are also in plan in Western NY
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Old 01-30-2020, 09:38 AM   #87
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I've read through all the reply's on this topic. About a year ago I had heart surgery total cost $122,000. My out of pocket was $450. I have a Medicare Advantage Plan for which I pay no premium. I have to pay my Part B Medicare premium. Total expenses for me and the wife who is on the same plan was under $6000 including all premiums prescriptions and co pays. Wide network of Doctors covering all of Western NY. So far happy with the plan. All Hospitals are also in plan in Western NY
would you mind telling which medicare advantage plan you use? Maybe I could learn something.
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Old 01-30-2020, 06:23 PM   #88
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Univera
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Old 01-30-2020, 07:05 PM   #89
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My max out of pocket will be 6700 / yr, sweet! Full west coast coverage plus Colorado, Hawaii, Virginia, Georgia and DC.

Not to mention I've been on Kaiser for 12 years now and I like it.
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Old 01-30-2020, 08:07 PM   #90
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My max out of pocket will be 6700 / yr, sweet! Full west coast coverage plus Colorado, Hawaii, Virginia, Georgia and DC.

Not to mention I've been on Kaiser for 12 years now and I like it.



Advantage or Medigap?
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Old 01-30-2020, 08:12 PM   #91
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Kaiser Senior Advantage, HMO. Kaiser is big on the West Coast.
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