Z3Dreamer
Thinks s/he gets paid by the post
I will be eligible for Medicare July 1, so I thought I would look into this. The safe, conventional, easy wisdom in my area is a Plan G Supplemental with a Part D added. I began researching MA PPO's. I read all of the posts on here in the last few years. I did all of the homework including some cost scenarios. I am the kind of guy who has a high deductible on my home and car insurance because I don't want to pay premiums for little things and am ok with some financial risk. So, I am comfortable with the co-pays. All of the local doctors and facilities are in-network with the 3 nationwide MA PPO's I am looking at.
In my scenarios, MA PPO savings over a Plan G with a Part D added run $1,300 to $1,800. Of course, there is no certainty with future sicknesses. In a year with outpatient surgery and a bunch of tests, I am still $800 to $1,200 ahead.
I also read both sides of the recent OIG sample of 250 payment denials.
In reading the posts, my logic seems to coincide mostly with VanWinkle. I also have done some SHIIP consulting but none since 2020.
Anything new?
In my scenarios, MA PPO savings over a Plan G with a Part D added run $1,300 to $1,800. Of course, there is no certainty with future sicknesses. In a year with outpatient surgery and a bunch of tests, I am still $800 to $1,200 ahead.
I also read both sides of the recent OIG sample of 250 payment denials.
In reading the posts, my logic seems to coincide mostly with VanWinkle. I also have done some SHIIP consulting but none since 2020.
Anything new?