Posted on 11/22/2018 7:12:14 AM PST by TNoldman
Hi FRiends,
Happy Thanksgiving I hope you are having good weather and a relaxing time.
I have a Question on Medicare Plans. My Wife and I are thinking about Advantage Plans to replace Traditional Medicare. We are 81/83 now and active. We currently have Traditional Medicare with a Gap Policy.
The latest offerings from United Healthcare Advantage Plans seem to have taken care of out-of-network services with their Passport which create instantaneous in-network charges in most States that we visit. Emergency care is Covered in any State. Our current Doctors accept this Advantage Plan.
Our Saving would be about $5000./year (both of us) or a 50% reduction in our Total Healthcare Costs.
What do you think?
Anyone with the Industry experience and/or personal or Family member experience please let us hear from you.
Decision time on or before Dec. 7th!
Bump for later reading
Conservative alternative to AARP: Association Of Mature American Citizens. We found an agent through them who hooked us up with a supplemental plan (Plan G) through Mutual Of Omaha. We’re happy with it but, like everything else, the cost increases every year.
“changing between Medigap programs triggers medical rating, so choosing the correct Medigap program is important at the beginning.”
That’s true. It happened to us. Our first supplemental was through AFLAC, but they stopped writing in TN. Going to another company required extensive investigation in to our health history and it was goin to be a problem. I had had cancer a few years earlier. Our AMAC agent did research and found that Mutual Of Omaha had no problem covering me.
It’s true what you said: “choosing the correct Medigap program is important at the beginning.”
We had Kaiser in CA from 1996-2010 and loved it. I went off it for one year knowing I needed hip replacement and the doctor I wanted wasn’t in Kaiser. Otherwise, it worked for us.
“I’m trying to avoid anything related to AARP”
AMAC. Conservative alternative to AARP. Have used an agent through them for years.
Your choices are limited based on where you live. You need to look at policies available in your ZIP Code and compare.
How did a thread from 2018 crop back up in 2021? I’m confused.
Confused me, too.
BKMK
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