Insurance

SoCalTeresas

[SoCalTeresa]

I have been fortunate to have great health most of my life with no prescriptions. I now have a prescription for a thyroid problem for the past few years and has never been a problem getting filled. Not life threatening. I have Medicare Part A and B, Wellcare Prescription coverage, private insurance through my employer and am told that my $13 a month prescription can't be renewed because it is being reviewed. I pay close to $5,000 a year for medical insurance. Is this normal?

[markman46]

Ok good, I am not a pharmacy benefit expert by any means, just know if it under review something has changed.

[minnesota_bound]

I just retired and am looking for healthcare coverage.
Here is one site: https://www.coveredca.com

I just went to https://www.coveredca.com then along the top clicked on Compare Plans and they have some PPO plans from Blue California and health net. My dentist only accepts PPO.

The monthly charge for healthcare does not look expensive for some plans while others can be over $1,000 per month.
Dental is less then $53 per month. I am lucky that I only need to see a dentist 😁

I do not really know what is a good plan and what the difference between a HMO and PPO plan is.
What happens when I do go in for say a healthcare checkup or something serious comes up?

The dentist I know looks thru the new boat catalog when I show up 😁

I guess I will need to spend time comparing plans. I have the company plans as a reference. I paid $3,132 this past year or $261 a month. Now retired I would pay double that for the same coverage as the company is not paying the other half.

Question: Does Medicare pay for everything?
I am 63 and 1/2 and can afford private insurance but of course would like medicare to pay one day.

They have bronze, silver, gold, platinum plans.
Platinum: highest premiums, lowest out-of-pocket costs
Gold: higher premiums, lower out-of-pocket costs
Silver: lower premiums, moderate out-of-pocket costs
Bronze: lowest premiums, highest out-of-pocket costs

[mad_as_he$$]

Second on GoodRx. Saved us a lot on money over the years.

[Harmless Teddy Bear]

No, it isn't necessarily a bad thing. There is a helluvalot of medical malpractice these days.

And malpractice is stopped by a paper pushing bureaucrat who that has no more training in medicine then your average monkey and is looking to pay out as little as possible because that means bonuses for him.

O-kay.

Would you like to buy some ocean front property in Arazon?

[eastexsteve]

And malpractice is stopped by a paper pushing bureaucrat who that has no more training in medicine then your average monkey and is looking to pay out as little as possible because that means bonuses for him. O-kay. Would you like to buy some ocean front property in Arazon?

Looks like you already bought it. Go back and read my original response.

[Harmless Teddy Bear]

I did.

Your assertion are nonsense.

Insurance companies do not give a damn about you or your health. They only care about how much money they can squeeze out of you and with the help of the US Congress they can squeeze a lot.

The doctor can at least be sued if he gives you the wrong medicine. Suing PPB because some clod switched you to another medication that they did not realize (or care) went through a sulfa wash and so you ended up in emergency, not so easy.

Not even a realistic story.

But I am sure the PPB's tell this fairy tale to their children at night.

Oh yes, daddy is protecting people from big bad doctors.

Bah.

[Harmless Teddy Bear]

It's Humana's policy to abide by whatever the independent expert panel recommends, no matter the cost of treatment.

And somehow PPB always manage to chose the one that is the cheapest and does not work.

Humana is undoubtedly the worst health insurance in the country. Killing more people per year then anyone besides Baby Killers Incorporate.

[eastexsteve]

Your assertion are nonsense.

My assertion is based upon fact. I know how the system works. I have relatives at high levels in the business. Your assertion is based upon paranoia.

The doctor can at least be sued if he gives you the wrong medicine.

And, he still can be if he does. But, there is much less chance of that happening if his particular treatment is being peer-reviewed by a group of specialists in dealing with your condition.

[Harmless Teddy Bear]

BS.

You group of "oh so qualified specialist taking checks from the insurance company" some how totally missed that the cheaper medicine they wanted to give him went through a sulfa wash. And more then once. Because they are stupid, or can not read or are just evil. This was something that his doctor caught several times.

I will put my real life experience up against your "relatives in the industry" any day of the week and twice on Sunday.