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Demsrule86

(71,544 posts)

76. Also, Medigap policies are sold by insurance companies and are not subsidized by the government...

Mon Nov 1, 2021, 11:40 AM

Nov 2021

so insurance companies make plenty of money. They are not part of the original Medicare. And while if you go out of your area regular Medicare will work anywhere here but the 20% in most cases is not covered by Medigap...at least the ones I saw. The Advantage plans had some coverage.

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If you choose a Medicare Advantage plan, you're helping to kill true Medicare [View all] wackadoo wabbit Oct 2021 OP

You can switch back only if you can pass the physical. rsdsharp Oct 2021 #1

What physical ? dweller Oct 2021 #4

Medicare Supplemental Insurance Part B may require physical on return to Medicare SharonAnn Oct 2021 #9

Original Medicare is managed by Medicare not by an insurance company. LiberalFighter Oct 2021 #12

Right, but original Medicare doesn't make sense for most folks without a supplemental plan tritsofme Nov 2021 #33

That is not true. You can switch during the medicare open enrollment and they can't even Demsrule86 Nov 2021 #61

You get one bite at the apple (with few exceptions) to sign up for Politicub Nov 2021 #83

Maybe for a supplemental..not for just Medicare PortTack Oct 2021 #19

No maybe about it. Good luck with that 20% on your dime. rsdsharp Nov 2021 #25

This message was self-deleted by its author ShazamIam Nov 2021 #35

That is not true. As for keeping true medicare...I can't afford it. You have to pay for a Medigap Demsrule86 Nov 2021 #60

I had Medicare advantage for about a year. Did not like it Walleye Oct 2021 #2

Unfortunately, and this applies to my husband as well, your medicare Politicub Nov 2021 #82

Agreed. I'm leaning toward not getting a supplement plan. It's expensive Walleye Nov 2021 #87

I highly recommend MediGap if you moonscape Nov 2021 #89

What insurance company do you have? Walleye Nov 2021 #90

My MediGap is through HealthNet. But the moonscape Nov 2021 #91

Well, gosh. PoindexterOglethorpe Oct 2021 #3

That wasn't my point wackadoo wabbit Oct 2021 #5

"are you OK with supporting that? Maybe you are. It's not for me to judge." brooklynite Oct 2021 #8

Doesn't seem like he has judged. He is just trying to inform DURHAM D Oct 2021 #10

That's his MO. nt JanMichael Nov 2021 #92

So what? I think that the Medicare Advantage plans are good PoindexterOglethorpe Oct 2021 #15

The fact that the insurance companies are getting more taxpayer marybourg Nov 2021 #22

Take a look at Thom Hartmann's 'Hidden History of American Healthcare'. notinkansas Nov 2021 #36

you are required to stay within your network. yellowdogintexas Nov 2021 #39

Ah, yes. The network. PoindexterOglethorpe Nov 2021 #47

Many Advanage plan have emergency coverage when you are traveling...I did not see any Demsrule86 Nov 2021 #69

This message was self-deleted by its author Demsrule86 Nov 2021 #70

I think so too. Demsrule86 Nov 2021 #63

My neighbor retired from New Jersey teacher and they put all retirees on an jimfields33 Nov 2021 #28

Maybe the district did that, or maybe the local union? JustABozoOnThisBus Nov 2021 #52

that is how it works here in NC dsc Nov 2021 #54

That doesn't sound right. PoindexterOglethorpe Nov 2021 #78

Oops. Rereading this. It's for the secondary. jimfields33 Nov 2021 #80

Same here! Karma13612 Oct 2021 #17

I've never had any doctor that didn't accept my Medicare radical noodle Nov 2021 #29

networks. If the physican does not accept the contract offered by the network yellowdogintexas Nov 2021 #40

My experience with networks has never been good radical noodle Nov 2021 #58

Or you find a new doctor... Demsrule86 Nov 2021 #71

The best choice for everyone is a MEDIGAP plan, rather than an ADVANTAGE plan. Grasswire2 Oct 2021 #6

correct Casady1 Oct 2021 #13

How does one tell which plan is actually a Medigap plan? House of Roberts Oct 2021 #18

Look for a Medicare supplemental plan radical noodle Nov 2021 #31

all about Medigap here at this link Grasswire2 Nov 2021 #79

you can wait but the premium will be a bit higher. Mine was but not by very much yellowdogintexas Nov 2021 #41

My Advantage plan has no additional payment. PoindexterOglethorpe Nov 2021 #48

My first year I sat down with a local Karma13612 Nov 2021 #51

Different Advantage plans are available in different parts of the country. PoindexterOglethorpe Nov 2021 #93

No, they can't...I posted above... Demsrule86 Nov 2021 #72

If a procedure is covered under Medicare than it is covered period. And let me tell you Demsrule86 Nov 2021 #66

DURec leftstreet Oct 2021 #7

If you choose a Medicare Advantage plan, you're helping to kill true Medicare zebrapa Oct 2021 #11

That's why I support strengthening original Medicare so much mvd Nov 2021 #26

yep. Lowest cost per claim, lowest error ratio, fastest claim turnaround in the industry yellowdogintexas Nov 2021 #43

No I can't. Good old Medicare requires a medi-gap policy with high premiums and high Demsrule86 Nov 2021 #73

Absolutely plus you are just giving your $$ to a 'for profit' plan. yellowdogintexas Nov 2021 #42

Medi-gap plans are sold by private insurers. Demsrule86 Nov 2021 #77

For me Timewas Oct 2021 #14

Both? How did you end up with a secondary payer? justwondering nt yellowdogintexas Nov 2021 #44

I have no idea Timewas Nov 2021 #53

Why in the world would I switch back? former9thward Oct 2021 #16

I'm just going to cut and paste my response from above wackadoo wabbit Nov 2021 #23

Advantage plans are strictly private insurers who get reimbursed by Medicare. notinkansas Nov 2021 #37

Medicare Advantage plans cannot drop you based on your health. Ms. Toad Nov 2021 #81

You are spreading disinformation. Advantage plans cannot drop you. Politicub Nov 2021 #84

You may be correct about that. notinkansas Nov 2021 #96

This absolutely true! PortTack Oct 2021 #20

One risk pool is a health care system. Multiple risk pools is an investment scheme. Ron Green Nov 2021 #21

Thank you. yonder Nov 2021 #38

your mental picture is fairly accurate. They are going to get theirs no matter what. yellowdogintexas Nov 2021 #45

I dont think that's available for us but will look into that. yonder Nov 2021 #49

Many here who support Medicare have plan F or C - good plans which are unavailable for Demsrule86 Nov 2021 #65

I'm jealous of the people who were grandfathered in to the sweet plan F Politicub Nov 2021 #85

A lot of our doctors won't take advantage IBEWVET Nov 2021 #24

I've found that to be true as well radical noodle Nov 2021 #32

The doctors are not part of the Preferred Provider network for that Advantage plan yellowdogintexas Nov 2021 #46

Wotthehell, people Hekate Nov 2021 #27

I opted for Medigap at 65 and switched to Advantage at 70. Why? MySideOfTown Nov 2021 #30

That is it...I had the same experience. I saved a ton a money with Advantage. Demsrule86 Nov 2021 #62

Dont have enought income ,,,,,, Cryptoad Nov 2021 #34

Thanks to the OP for this thread. Kicked as far as I can. yonder Nov 2021 #50

I do believe that was the goal for that plan in the first place LymphocyteLover Nov 2021 #55

I chosee Medicare along with an AARP Supplemental Plan ("United Health Care") Tom Rinaldo Nov 2021 #56

Be sure and thank the politicians who represent their constituents who matter the most. Lobbyists. Autumn Nov 2021 #57

+1 area51 Nov 2021 #100

Call them what they are - Medicare DisAdvantage plans. GoneOffShore Nov 2021 #59

That was eight years ago when Medi-gap policies still had decent coverage...they don't Demsrule86 Nov 2021 #74

As I said, it's moot for me now. Unless I get thrown out of France. GoneOffShore Nov 2021 #86

I have... myohmy2 Nov 2021 #64

My sis in law had regular Medicare. Before she got her hip done...we had to come up with the Demsrule86 Nov 2021 #67

Regular Medicare with medigap is my choice. voteearlyvoteoften Nov 2021 #68

Also, Medigap policies are sold by insurance companies and are not subsidized by the government... Demsrule86 Nov 2021 #76

Wow Karma13612 Nov 2021 #95

I think it is pretty crappy drexelkathy Nov 2021 #75

Thank you Karma13612 Nov 2021 #94

I really don't get the hostility to Medicare Advantage plans Zorro Nov 2021 #88

Here's a link to SBM some thoughts as to why these plans could be renamed Medicare Disadvantage GoneOffShore Nov 2021 #97

Not seeing any meaningful criticism of Medicare Advantage programs in the article Zorro Nov 2021 #98

Your point is taken. Medicare Disadvantage plans do vary by state. GoneOffShore Nov 2021 #99