SteveL
Recycles dryer sheets
- Joined
- Aug 1, 2005
- Messages
- 380
I'm now less than three years from Medicare. Because our state is 47th in the US in the level of Medicare reimbursements for doctors, most of them in our county will not accept new Medicare patients.
Some of my friends have gotten around this by going into a Medicare Advantage plan. However, these plans cost the govt. a lot more than regular Medicare, and it seems likely that their subsidies will be reduced or eliminated by the new administration and then the plans will go away.
Under Medicare rules, if a Dr. accepts $1 from Medicare he/she cannot charge more than what Medicare allows, so Medicare Supplements don't help, and you can't pay the Dr. more out of your pocket. Most Docs have existing patients that they continue to care for, and use part of the fees from other patients to offset losses on Medicare.
All insurance plans have Medicare built-in and they don't offer a plan that doesn't require this.
Unless we move out of the state, I see a future where we are forced to pay for Medicare, and unable to get a Doctor.
I don't blame the Docs. I have seen some Medicare statements where the Dr. was allowed $15 for an $80 office visit.
This is a weird situation. If you go into the hospital, or see a specialist Medicare reimbursement is closer to real cost. It is just the primary care Docs. who are getting stiffed.
Anyone have any ideas?
Some of my friends have gotten around this by going into a Medicare Advantage plan. However, these plans cost the govt. a lot more than regular Medicare, and it seems likely that their subsidies will be reduced or eliminated by the new administration and then the plans will go away.
Under Medicare rules, if a Dr. accepts $1 from Medicare he/she cannot charge more than what Medicare allows, so Medicare Supplements don't help, and you can't pay the Dr. more out of your pocket. Most Docs have existing patients that they continue to care for, and use part of the fees from other patients to offset losses on Medicare.
All insurance plans have Medicare built-in and they don't offer a plan that doesn't require this.
Unless we move out of the state, I see a future where we are forced to pay for Medicare, and unable to get a Doctor.
I don't blame the Docs. I have seen some Medicare statements where the Dr. was allowed $15 for an $80 office visit.
This is a weird situation. If you go into the hospital, or see a specialist Medicare reimbursement is closer to real cost. It is just the primary care Docs. who are getting stiffed.
Anyone have any ideas?