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My Medicare advantage will reduce my premiums by 20% for July and August (Original Post) question everything May 2020 OP
The premium cut is a big deal. Medicare typically pays 100% of lab tests anyway. Hoyt May 2020 #1
I've heard Advantage is not so good for long term hospital care. trof Jun 2020 #2
Did not have much choice. Had another Medicare plan and last year it ended question everything Jun 2020 #3
My understanding is that Advantage plans PoindexterOglethorpe Jun 2020 #4
Advantage provides at least the benefits of original medicare. Progressive dog Jun 2020 #5
 

Hoyt

(54,770 posts)
1. The premium cut is a big deal. Medicare typically pays 100% of lab tests anyway.
Wed May 27, 2020, 10:56 PM
May 2020

Although I’m sure most health insurers could squeeze out a little more in the circumstances, I’ll give them credit for offering premium cuts to customers. I really get ticked at phone, car and home insurance, cable, etc., where you have to threaten to change service providers to get a concession.

question everything

(47,211 posts)
3. Did not have much choice. Had another Medicare plan and last year it ended
Tue Jun 2, 2020, 09:45 PM
Jun 2020

Something about that many plans at certain population centers.

And, worse come to worse, I do carry long term policy.

PoindexterOglethorpe

(25,684 posts)
4. My understanding is that Advantage plans
Thu Jun 11, 2020, 12:07 AM
Jun 2020

will be every bit as good for long term hospital care as original Medicare. Plus, Advantage plans tend to cover a bunch of stuff not covered by just Medicare. You would need to look at the details of a specific plan to be certain.

Progressive dog

(6,854 posts)
5. Advantage provides at least the benefits of original medicare.
Wed Jun 17, 2020, 11:03 AM
Jun 2020

The Medicare website can compare plans, including original medicare, for costs. Most medicare advantage plans have a maximum yearly outlay, after which the plan pays 100%. Long term hospital care is covered to at least the extent of original medicare.
There are no limits in original medicare. Long term unskilled care is not covered by medicare or medicare advantage plans.
Many advantage plans also cover dental, vision, and/or drugs.
The main problem with advantage plans is that most arer HMO's or PPO's and do restrict providers. That hasn't been a major problem with any plan I have had.

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