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The Water Cooler
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Medicare Part C
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<blockquote data-quote="JD8" data-source="post: 3327007" data-attributes="member: 24"><p>Whether or not your wife is on the same plan has no bearing to what I'm saying. YOU just said you were under 65 and on disability. Is this correct? I'm referring to you complaining about the cost of Supplemental plans. Well, if you priced them out while on disability, under 65, then that changes the whole ball game. You're trying to compare your situation to others trying to get on Medicare correct? If so, the disability plans you were pricing out were significantly more expensive than someone turning 65 and joining Medicare and adding a supplement. I remember them to be double if not triple IIRC. Again, apples to oranges. Your situation isn't the common one. They are allowed to price in or underwrite a person on disability that has enrolled in Medicare under 65 because they have to offer you a plan. </p><p></p><p>Finally, your theory on Supplemental plans makes no sense whatsoever. If anything MA plans make more sense for the government as they pay the carrier a fee to take over your healthcare. If MA plans were detrimental to Medicare, it wouldn't exist, period. IF anything, the government is looking to get out of it's responsibility with MA plans.</p><p></p><p></p><p>But let's take one example from Humana..... one of their cheapest plans @ $0 (Funny thing is after signing away your rights...you still have to pay Part B premium @ ~$144 a month) </p><p></p><p></p><p><span style="font-size: 15px"><strong><strong>HumanaChoice PPO </strong></strong></span></p><p>PPO H5216-139</p><p> </p><p>Included<strong>Medical</strong></p><p></p><p>Deductible: $198.00</p><p></p><p>Primary care coinsurance: 20%</p><p></p><p>Specialist coinsurance: 20%</p><p></p><p>Maximum out of pocket: $6,700.00</p><p></p><p> </p><p>Included<strong>Prescription drug</strong></p><p></p><p>Deductible: $435.00</p><p></p><p></p><p>So you're right back to what Medicare pays, with a limited network and a higher drug deductible. Oh and you'll need an in-network referral so that will be fun too.</p></blockquote><p></p>
[QUOTE="JD8, post: 3327007, member: 24"] Whether or not your wife is on the same plan has no bearing to what I'm saying. YOU just said you were under 65 and on disability. Is this correct? I'm referring to you complaining about the cost of Supplemental plans. Well, if you priced them out while on disability, under 65, then that changes the whole ball game. You're trying to compare your situation to others trying to get on Medicare correct? If so, the disability plans you were pricing out were significantly more expensive than someone turning 65 and joining Medicare and adding a supplement. I remember them to be double if not triple IIRC. Again, apples to oranges. Your situation isn't the common one. They are allowed to price in or underwrite a person on disability that has enrolled in Medicare under 65 because they have to offer you a plan. Finally, your theory on Supplemental plans makes no sense whatsoever. If anything MA plans make more sense for the government as they pay the carrier a fee to take over your healthcare. If MA plans were detrimental to Medicare, it wouldn't exist, period. IF anything, the government is looking to get out of it's responsibility with MA plans. But let's take one example from Humana..... one of their cheapest plans @ $0 (Funny thing is after signing away your rights...you still have to pay Part B premium @ ~$144 a month) [SIZE=4][B][B]HumanaChoice PPO [/B][/B][/SIZE] PPO H5216-139 Included[B]Medical[/B] Deductible: $198.00 Primary care coinsurance: 20% Specialist coinsurance: 20% Maximum out of pocket: $6,700.00 Included[B]Prescription drug[/B] Deductible: $435.00 So you're right back to what Medicare pays, with a limited network and a higher drug deductible. Oh and you'll need an in-network referral so that will be fun too. [/QUOTE]
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