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dflprincess

(28,582 posts)

8. When my friend and her husband were looking at gap policies

Reply to sprinkleeninow (Reply #3)

Sun Jul 2, 2023, 07:37 PM

Jul 2023

their insurance agent told them to keep in mind that you marry your medical policy but only date your drug coverage.

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PSA - If you enroll in Medicare Advantage, you could be stuck for life [View all] DemBlue76 Jul 2023 OP

No clue, but I never did Advantage, so this is worth considering. DFW Jul 2023 #1

ABSOLUTELY CORRECT Grasswire2 Jul 2023 #2

Medicare Advantage Is a Massive Scam Celerity Jul 2023 #47

Eleventy billion kudos Just Jerome Jul 2023 #51

I posted elsewhere before I saw this. ShazzieB Jul 2023 #72

Really does depend on company, state and conditions... JCMach1 Jul 2023 #94

It is mainly random for many because it is the individual doing the shopping. LiberalFighter Jul 2023 #129

Quit watching cable news. That is not true. True Blue American Jul 2023 #141

cable news? Celerity Jul 2023 #150

Those scare commercials come from cable news! True Blue American Jul 2023 #151

They were simply part of the article and were included for illustrative reasons to show the Celerity Jul 2023 #153

Joe did push Medicare Advantage Plans on cable. True Blue American Jul 2023 #155

Initially tried out a couple of "advantage" plans. Problem I had with them is that allegorical oracle Jul 2023 #119

Supplement NowISeetheLight Jul 2023 #163

You have the right to change each year. True Blue American Jul 2023 #142

The reason Advantage is so cheap and seemingly good now is they want to bankrupt Medicare Eliot Rosewater Jul 2023 #195

Also, choose any MediGap Supplemental plan as best possible from the sprinkleeninow Jul 2023 #3

When my friend and her husband were looking at gap policies dflprincess Jul 2023 #8

Correct advice. sprinkleeninow Jul 2023 #19

That was a dumb statement. Keep in mind they get paid for what they sell you. True Blue American Jul 2023 #143

Definitely need to consider, especially if you can afford an extra $200 to $300 Silent Type Jul 2023 #4

I do not pay a dime for my True Blue American Jul 2023 #144

Yep. Never have been able to afford Medigap insurance. Especially since our property allegorical oracle Jul 2023 #158

Medigap is not private insurance? dpibel Jul 2023 #5

That would be me. MOMFUDSKI Jul 2023 #7

A medigap plan is bought from a private insurer dflprincess Jul 2023 #10

Yes, that's my understanding. I have a Medigap policy with original Medicare. Lonestarblue Jul 2023 #26

People need to ask themselves why, during the open enrollment period dflprincess Jul 2023 #29

Commissions on Medicare Advantage are higher n/t DemBlue76 Jul 2023 #101

I paid no commission! The AMA CHANGED EVERYTHING! True Blue American Jul 2023 #145

I've had a Medicare Advantage plan for 10 years now & it's working just fine for me. elocs Jul 2023 #15

You and over 45% of Medicare Beneficiaries. Respect those who believe Silent Type Jul 2023 #81

That is slightly different IbogaProject Jul 2023 #133

If you were higher income True Blue American Jul 2023 #146

Nope, nothing comes out of my SS check, I get all of it. n/t elocs Jul 2023 #157

Maybe low income answers that. True Blue American Jul 2023 #160

I have a Medigap plan and it costs $95/month Trueblue Texan Jul 2023 #48

My Medigap plan started out costing $108/month. GoodRaisin Jul 2023 #69

It is a very, very limited private insurance. Ms. Toad Jul 2023 #92

I am on Medicare Advantage and love it at140 Jul 2023 #6

Get back to us after Medicare is privatized not fooled Jul 2023 #9

M-A has never questioned any of the very expensive cancer treatments at140 Jul 2023 #16

Same Here DET Jul 2023 #56

Humana is ours. at140 Jul 2023 #111

Thanks DET Jul 2023 #139

As a cancer survivor, I'm happy for you DemBlue76 Jul 2023 #107

Wish you all the best recovery! at140 Jul 2023 #112

I have never seen so much disinformation that is in this thread. True Blue American Jul 2023 #147

Do you have first-hand experience with M-A or... at140 Jul 2023 #175

First hand True Blue American Jul 2023 #176

But I would like to know how M-A affected you adversely at140 Jul 2023 #177

Where did you get that MA True Blue American Jul 2023 #178

Sorry I misunderstood .. I agree med-adv is very good at140 Jul 2023 #189

Thanks, after I posted what they have done for me. True Blue American Jul 2023 #190

+1 n/t ariadne0614 Jul 2023 #17

It was Bill Clinton, not Bush that signed Medicare C MichMan Jul 2023 #18

The road to perdition, as they say. peppertree Jul 2023 #20

He also signed the Telecommunications Act of 1996 (that ushered in corporate consolidation Celerity Jul 2023 #33

Absolutely. He caved in much too often. peppertree Jul 2023 #35

Yup n/t progressoid Jul 2023 #148

Don't forget ending the Fairness Doctrine. keopeli Jul 2023 #34

Sure. It was the '90s, and he drank the Thatcher Kool-Aid peppertree Jul 2023 #36

Indeed! And she lead the charge to reform national healthcare that lost by just 2 votes I believe. keopeli Jul 2023 #39

Her plan was actually pretty good for time. But there was a lot of opposition. Silent Type Jul 2023 #85

The FCC abolished the fairness doctrine in 1987, so that was under Reagan Celerity Jul 2023 #46

That's right - almost forgot peppertree Jul 2023 #49

the Fairness Doctrine doesn't apply to cable, and Fox News did not launch until October 7, 1996 Celerity Jul 2023 #79

Hmm. I stand corrected. Hopefully, I'll remember what it is I'm thinking about. keopeli Jul 2023 #82

No Republican started any program for people. True Blue American Jul 2023 #154

Correct! Just Jerome Jul 2023 #30

Right! Traildogbob Jul 2023 #31

Precisely why for-profit MEDICAL insurance is inherently self serving and awful. Vdizzle Jul 2023 #63

If you want to stop people from taking advantage of something good for them, Silent Type Jul 2023 #83

More scare tactics. True Blue American Jul 2023 #152

I'm sorry about your wife's cancer dflprincess Jul 2023 #11

We are in M-Adv for 6 years already at140 Jul 2023 #22

Very few Doctors do not take MA. True Blue American Jul 2023 #191

I just came out of hospital True Blue American Jul 2023 #41

What do you pay for? moose65 Jul 2023 #67

We have Minus $120 premiums monthly for each me and my wife at140 Jul 2023 #113

I don't get it moose65 Jul 2023 #165

For last 6 years, M-A adds money every month to our SS checks at140 Jul 2023 #174

I have all my bills from Anthem True Blue American Jul 2023 #159

That's a bit misleading. Wonder Why Jul 2023 #12

Advantage plans are all good Demobrat Jul 2023 #13

Medicare advantage plans consistently... Trueblue Texan Jul 2023 #55

Traditional Medicare has limits too. But I'm sure it's worse under MA. Silent Type Jul 2023 #87

Of course...but whether insurance is private or Medicare, fraud exists. nt Trueblue Texan Jul 2023 #109

My wife's medical treatment bills have now exceeded $2 Million at140 Jul 2023 #192

The networks have broadened most Doctors allowed True Blue American Jul 2023 #161

Thom Hartmann has been covering this subject for years. ariadne0614 Jul 2023 #14

Thanks so much! I learned the facts from Thom Hartmann (here on DU) as well! Rhiannon12866 Jul 2023 #24

Happy my Rebl2 Jul 2023 #21

yep. Husband was a federal employee, kept his group fed coverage when Medicare kicked in Attilatheblond Jul 2023 #50

I have Rebl2 Jul 2023 #54

Not to mention, this "Advantage" is not Medicare, but they fail to say that in the constant ads! Rhiannon12866 Jul 2023 #23

The Government says it is on their own website MichMan Jul 2023 #37

That's the Trojan Horse Just Jerome Jul 2023 #40

According to the ads, the "plans" are all local, depending on where you live. Rhiannon12866 Jul 2023 #52

Which is why you enter your zip code on the Medicare website MichMan Jul 2023 #96

And, according to Thom Hartmann, many are scams, which has been documented on this thread: Rhiannon12866 Jul 2023 #98

The Federal government is a co conspirator for promoting them. MichMan Jul 2023 #99

We need a universal health care plan like they have in so many other countries Rhiannon12866 Jul 2023 #100

Isnt Medicare pretty damn close to universal health care as it is? MichMan Jul 2023 #103

Not even close. It partially covers doctors' visits, but not dental or prescriptions Rhiannon12866 Jul 2023 #104

Universal means everyone is covered, not that no one ever has to ever pay anything MichMan Jul 2023 #118

Medicare Advantage True Blue American Jul 2023 #182

I'm glad you were helped, but many are scams, which has been documented on this thread: Rhiannon12866 Jul 2023 #184

Thom Hartman is wrong if He True Blue American Jul 2023 #186

It all depends on the private plan being offered in each local area Rhiannon12866 Jul 2023 #187

I was already likely to stick with traditional Medicare drmeow Jul 2023 #25

You pay for Medicare. True Blue American Jul 2023 #42

And out of your paycheck since the first day you ever worked at a job MichMan Jul 2023 #58

Right, you earned it. True Blue American Jul 2023 #140

You pay a premium for part B drmeow Jul 2023 #110

You will be cheating yourself if you do. Medicare only pays 80%. True Blue American Jul 2023 #183

Do you work for a Medicare Advantage plan or something? drmeow Jul 2023 #185

No, I am much too old True Blue American Jul 2023 #188

Yet another episode of SickOfTheOnePct Jul 2023 #27

Right? SammyWinstonJack Jul 2023 #68

:) True Blue American Jul 2023 #89

Advantage is a backdoor way to privatize Medicare dflprincess Jul 2023 #131

no Skittles Jul 2023 #138

I want SickOfTheOnePct Jul 2023 #149

so the anwer is yes Skittles Jul 2023 #164

Some people only care about themselves Elessar Zappa Jul 2023 #166

BELIEVE WHAT YOU WANT SickOfTheOnePct Jul 2023 #167

I think Part B has to accept you without underwriting yellowdogintexas Jul 2023 #28

I am so sick of all the medicare advantage commercials MiniMe Jul 2023 #32

are the medigap supplements expensive? orleans Jul 2023 #43

You need Rebl2 Jul 2023 #57

Yes. Medigap plans can be expensive. Zorro Jul 2023 #66

You are dead wrong,! True Blue American Jul 2023 #179

My comment was about Medigap plans Zorro Jul 2023 #180

If I am not mistaken True Blue American Jul 2023 #181

I feel exactly the same way, Orleans. ShazzieB Jul 2023 #70

well, good luck to all of us orleans Jul 2023 #76

I have to sort this out in the next six months liberal N proud Jul 2023 #38

i've got less than 6 months to figure it out orleans Jul 2023 #44

If you can afford to start on moonscape Jul 2023 #59

Yes, it was a tough road to negotiate for me too. yonder Jul 2023 #80

thanks for advice. (hug) nt orleans Jul 2023 #91

Exactly liberal N proud Jul 2023 #170

omg! and those pests never stop calling. orleans Jul 2023 #171

LoL liberal N proud Jul 2023 #172

Thanks for the 411. Passed it along to family and will keep in mind as my retirement is 4yrs away. TheBlackAdder Jul 2023 #45

If you do get accepted for a Medigap policy after first being on Medicare Advantage slightlv Jul 2023 #53

"They should not be able to call this "Medicare Part C" coverage, for example" MichMan Jul 2023 #60

This was GW Bush's contribution when he discovered he couldn't kill them outright. n/t slightlv Jul 2023 #62

Medicare Part C was signed into law by Bill Clinton, not Bush MichMan Jul 2023 #73

+1. He's getting bashed for it below. Silent Type Jul 2023 #86

Plus, MA might be okay now, but overnight moonscape Jul 2023 #61

These so called advantage plans are bankrupting Medicare! PortTack Jul 2023 #64

Well shanti Jul 2023 #65

I dig not read all these comments Riverman100 Jul 2023 #71

which conclusions? Celerity Jul 2023 #74

Generally I am a big admirer of your comments but you are consistently wrong about Medicare Advantag grantcart Jul 2023 #84

types of financial and patient abuse in Medicare Advantage Celerity Jul 2023 #93

Bullshit conclusions seldom have good points. Can you clarify? czarjak Jul 2023 #77

Do pediatricians see a lot of patients covered by Medicare? MichMan Jul 2023 #105

He knows the American health care system and insurance. czarjak Jul 2023 #106

actually my primary is classified as a pediatritian by the hospital and i am 70 dembotoz Jul 2023 #120

This message was self-deleted by its author czarjak Jul 2023 #78

More uninformed and mistaken information about Medicare Part C aka Medicare Advantage grantcart Jul 2023 #75

Good, accurate post. To be fair, OP is correct that if you go MA, and decide later Silent Type Jul 2023 #90

Medicare Part C is private insurance. Bluepinky Jul 2023 #132

Thank you grantcart. Our dilemma is tons of meds, which is not unusual for our age group.... Hekate Jul 2023 #136

Yep, I learned this the hard way when I was trying to change insurance on behalf of my elderly mom. W_HAMILTON Jul 2023 #88

Should be called Medicare Disadvantage - And no one should be subject to medical underwriting. GoneOffShore Jul 2023 #95

All true! Emile Jul 2023 #97

Another rule is: If your Advantage plan leaves your State you may choose Regular Medicare Joinfortmill Jul 2023 #102

I am curious why you only paid $365 DemBlue76 Jul 2023 #115

I paid for the hospital bed. Everything else was covered. Joinfortmill Jul 2023 #116

I've had only positive experiences with original Medicare. My brother, on the other hand, Vinca Jul 2023 #108

Let me suggest that a political opinion site BlueIdaho Jul 2023 #114

It is a good place to learn private Advantage plans are Emile Jul 2023 #117

Why did President Clinton sign it into law? MichMan Jul 2023 #121

It was created under George W Bush. Emile Jul 2023 #122

Wrong MichMan Jul 2023 #124

In 2003 there were republican revisions to the 1997 Medicare Advantage law Emile Jul 2023 #125

You said it was created under Bush; it wasn't MichMan Jul 2023 #126

You are wrong, I said Emile Jul 2023 #127

I thought you were opposed in principle to having Medicaid handled by private insurance companies MichMan Jul 2023 #130

I am opposed to private insurance companies taking over Medicare. Emile Jul 2023 #134

Except the OP's is good advice. W_HAMILTON Jul 2023 #135

136 posts later and all we can really conclude is BlueIdaho Jul 2023 #137

Well said n/t SickOfTheOnePct Jul 2023 #156

These medicare advantage plans never made sense to me LetMyPeopleVote Jul 2023 #123

I've been on MA for 8 years TexasBushwhacker Jul 2023 #169

It depends on your plan. I have MA and don't pay a penny for premiums. LiberalFighter Jul 2023 #128

Supplement NowISeetheLight Jul 2023 #162

Kick dalton99a Jul 2023 #168

One risk pool is a health care system. Multiple risk pools is an investment scheme. Ron Green Jul 2023 #173

Hello and quick question for Medicare Advantage folks JB44 Jul 2023 #193

Hello, Yonnie3 Jul 2023 #194

welcome to DU gopiscrap Aug 2023 #196