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 Post subject: medicare supplement advice
Post Posted: Feb 9, 2024 11:31 am 
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Medicare Supplemental
Humana or United?
we don't go out of state very often

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 Post subject: Re: medicare supplement advice
Post Posted: Feb 10, 2024 7:39 am 
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This thread might be helpful.

https://www.pinecam.com/forum/viewtopic ... 9&t=245179

I maintain that the supplemental plans for medi-gap coverage are far superior to any Advantage plan over the long run.


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 Post subject: Re: medicare supplement advice
Post Posted: Feb 10, 2024 1:40 pm 
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The Medicare Advantage Trap
In 46 states, once you choose Medicare Advantage at 65, you can almost never leave.

IF YOU HAVE PREEXISTING CONDITIONS THEN READ THE LINKS I POSTED BELOW!

One of the biggest selling points of Obamacare was that it would finally end discrimination against patients on the basis of pre-existing conditions. But for one vulnerable sector of the population, that discrimination never ended. Insurers are still able to deny coverage to some Americans with pre-existing conditions. And it’s all perfectly legal.

Sixty-five million seniors are in Medicare open enrollment from October 15 until December 7.

Nearly 32 million of those patients are enrolled in Medicare Advantage, a set of privately run plans that have come under fire for denying treatment and overbilling the government. Medicare Advantage patients theoretically have the option to return to traditional Medicare. But in 46 states, it is nearly impossible for those people to do so without exposing themselves to great financial risk.


Traditional Medicare has no out-of-pocket cap and covers 80 percent of medical expenses. Unlike Medicare Advantage plans, in traditional Medicare, seniors can choose whatever provider they want, and coverage limitations are far less stringent.

Consequently, there’s a huge upside to going with traditional Medicare, and the downside is mitigated by the purchase of a Medigap plan, which covers the other 20 percent that Medicare doesn’t pay.

https://prospect.org/health/2023-11-29- ... tage-trap/

https://www.moneygeek.com/insurance/hea ... -by-state/

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 Post subject: Re: medicare supplement advice
Post Posted: Feb 10, 2024 7:14 pm 
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Spot on advice.


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