Posted on 11/24/2023 10:47:42 AM PST by buckalfa
I did think healthcare wouldn't cost me anything when I hit Medicare, but I pay about $1950 for part B, about $120 for part D and $2800 for the supplemental for a total of $4870. Not free but (1) less than my cr@ppy high deductible plan and (2) Actually covers just about anything. The only issue I've had is with the Part D, which includes a $500 deductible, and I've hit the “donut hole,” and had to shell out another $300 this week for that, for a total of about $800-900 or so this year.
Man, medical expenses for us senior citizens start piling up in a hurry, even if we don't have major problems!
I keep getting hit on for C & D. No comprende.
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Take it now or get penalized later. Its a recurring penalty, not a one shot. The longer you wait the steeper the penalty.
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I’m on Medicare A & B. Provider is Kaiser. Isn’t everything taken care of
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No
It is for me...So is the VA...Means testing is increasingly the future. I expect TRICARE for Life to be the next target of the collectivists.
This stuff is ridiculously confusing—with Medicare Parts A,B,C, D and more (!) with different rules to follow....
not exactly senior friendly.
What I have read lately the MA’s are competing with each other to see how many give-aways they can promise that have no connection to sickness/health. One was even giving groceries.
That's not a bug, it's a feature.
I think that was the point.
If people haven't yet figured out that seniors and the elderly/infirm are on the Nazi death lists, I can't help you. See exhibit A: COVID vaccination.
Obamacare was designed to destroy the health care insurance business so people will demand a government takeover. Since its passage, health care has become more expensive and less available. When you can see a doctor (an actual doctor and not a PA) they spend all their time looking at the computer and checking off options via drop down menus. They then tell you what they are allowed to prescribe or recommend based on the computer’s diagnosis and the insurance/government’s permissions.
I go to the doctor as little as possible. Not a one has assisted me with a medical problem in the past 20 years. For almost every single visit lately, the PA’s recommendation has been the drug Neurontin — no matter what the problem may be. I’ve seen what that drug can do. My late sister was on so much of that drug that I swear it destroyed her brain.
Physicians are good for setting bones (most of the time) or stitching up a large cut. These days, that’s about all they are good for.
BKMRK.
not exactly senior friendly.
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Bureaucrat friendly is all that matters.
Just get them all, even if it is redundant with other private insurance. After you retire, they will hit you up for penalties which will lower your SS payment; any increases in Medicare will be reflected in an increased monthly penalty.
Yeah..
The feds are pushing advantage plans on people...
I got standard Medicare with a medigap plan...
Costs more money, but you get what you pay for...
My insurance specialist said she could make 6 times the commission by selling me the advantage plan, but she would not do that to me...
Take a part G plan...
They don’t tell you about that
I know there is a penalty associated with Medicare Part B—not sure if that applies to the rest of the alphabet.
I was in a medical facility recently. They had a poster on the wall saying DON’T BE FOOLED BY MEDICARE ADVANTAGE . It listed the disadvantage of Medicare Advantage and the advantages of Medicare Supplements.
My financial advisor had strongly recommended we stay away from Advantage plans and go with Medicare Supplement plans.
I took a picture of the poster. I’d like to post it somewhere so I can show it on FR.
EXACTLY what OBAMA wanted to happen-
Major step in destroying the USA.
“Only covers 80% at best, with a lot of gaps. You could easily get struck with Hospital bills of $100K after standard Medicare.”
That’s why you should always have a supplement if you go with original Medicare.
That's for sure. I would have cheerfully paid a completely impartial adviser to help me through the signup process as I was turning 65. Unfortunately, all of the so-called advice seems to come from insurance salesmen, who are only interested in helping you make the choice that nets them the most money.
I wonder if there would be a business opportunity for someone who really understands the whole system to charge an hourly rate for advice that is aimed strictly at helping the client. Probably not; people would want the heavily-advertised advice that's available for "free".
Hmmm...I haven’t had any problems
Good for you, congratulations.
Systemically, however, MA programs are causing catastrophic harm and they should be discontinued soon.
Of course, every tweak to Federal and State health programs which envision public-private partnerships flooding Congress with bribes makes things worse, Medicare Advantage is no exception
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how much pressure do you think the illegal migrants are putting on the health care system costs? & normal insurance premiums?
“stay away from “Advantage Plans” like the plague... get the supplemental”
Our supplemental is with Mutual Of Omaha, and we’ve been pleased with the service. The cost, though ... OMG!
For a few years I had been in a craft group with several older ladies when it came time for me to sign up. The ones in Advantage Plans had some horror stories, so I paid attention and went a different route.
“someone who really understands the whole system”
These people actually exist?
;-)
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