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01-28-2020, 10:13 PM
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#81
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 38,139
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Quote:
Originally Posted by SumDay
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.
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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).
__________________
Retired since summer 1999.
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01-30-2020, 05:22 AM
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#82
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gone traveling
Join Date: Dec 2010
Posts: 538
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Quote:
Originally Posted by kaneohe
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What does N/A mean in the MOOP row?
1) potentially unlimited out of pocket
2) zero out of pocket
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01-30-2020, 06:20 AM
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#83
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 36,361
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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.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.
Retired Jan 2012 at age 56
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01-30-2020, 07:37 AM
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#84
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gone traveling
Join Date: Dec 2010
Posts: 538
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Quote:
Originally Posted by pb4uski
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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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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01-30-2020, 07:41 AM
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#85
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gone traveling
Join Date: Dec 2010
Posts: 538
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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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01-30-2020, 08:25 AM
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#86
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Confused about dryer sheets
Join Date: Jan 2020
Posts: 6
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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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01-30-2020, 08:38 AM
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#87
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Thinks s/he gets paid by the post
Join Date: Jan 2010
Location: dubuque
Posts: 1,174
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Quote:
Originally Posted by Leroy Jones
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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would you mind telling which medicare advantage plan you use? Maybe I could learn something.
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01-30-2020, 05:23 PM
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#88
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Confused about dryer sheets
Join Date: Jan 2020
Posts: 6
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Univera
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01-30-2020, 06:05 PM
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#89
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Mar 2016
Posts: 8,968
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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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01-30-2020, 07:07 PM
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#90
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Full time employment: Posting here.
Join Date: Dec 2006
Location: chicago burbs
Posts: 806
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Quote:
Originally Posted by RobbieB
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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Advantage or Medigap?
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01-30-2020, 07:12 PM
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#91
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Mar 2016
Posts: 8,968
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Kaiser Senior Advantage, HMO. Kaiser is big on the West Coast.
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