GraniteCityGossip

Health insurance supplements vs advantage plans

Posted by granny <iframe src='https://members.boardhost.com/GraniteGossip/info/user=granny' width='330' height='300' border=0 style='border:none;'> on January 18, 2020, 9:24 pm

Any advice on how to choose one over the other?

Re: Health insurance supplements vs advantage plans

Posted by Wally Bunker <iframe src='https://members.boardhost.com/GraniteGossip/info/user=Wally+Bunker' width='330' height='300' border=0 style='border:none;'> on January 18, 2020, 9:53 pm, in reply to "Health insurance supplements vs advantage plans"

Ya, dont seek advice on a site such as this.

Re: Health insurance supplements vs advantage plans

Posted by Wally Bunker <iframe src='https://members.boardhost.com/GraniteGossip/info/user=Wally+Bunker' width='330' height='300' border=0 style='border:none;'> on January 18, 2020, 9:55 pm, in reply to "Health insurance supplements vs advantage plans"

https://www.investopedia.com/articles/personal-finance/071014/medigap-vs-medicare-advantage-which-better.asp

Whatever you do

Posted by Riverbender <iframe src='https://members.boardhost.com/GraniteGossip/info/user=Riverbender' width='330' height='300' border=0 style='border:none;'> on January 18, 2020, 10:41 pm, in reply to "Health insurance supplements vs advantage plans"

when comparing plans determine what the catastrophic cap on your out of pocket co-pays and deductibles are. I wont bore you with details but I had a situation that ended up costing well into the 6 figure multiples. Thanks to a catastrophic cap my out of pocket was in the low 4 figures.
Just my experience repeated for what it is worth...namely add a dollar to it and go buy a cup of coffee somewhere.

Re: Health insurance supplements vs advantage plans

Posted by Sara <iframe src='https://members.boardhost.com/GraniteGossip/info/user=Sara' width='330' height='300' border=0 style='border:none;'> on January 19, 2020, 5:59 pm, in reply to "Health insurance supplements vs advantage plans"

So far I haven't picked up any supplemental insurance, and not having any is a bit scary. I started to go with one of these Advantage plans years ago until I realized that I would be giving up or basically trading my Medicare by doing so.

When I read the fine print, (and there was a lot of it) my doctor's office didn't work with that plan or company. A couple specialists that I was seeing at the time, also did not accept that insurance. So, it pays to do your homework.

So, for now it's Medicare only for me, and my Silver Scripts for my prescription coverage. I am very happy with the Silver Scripts too, the cost is around $20.00 per month.

If I run across supplemental coverage that is affordable I will most likely give it a shot, but for me, it's not worth the risk of giving up my Medicare for one of the Advantage plans and until the rewards outweigh the risks, I'll stay put.

Good luck!

P.S. I don't see a thing wrong with asking this question on a community discussion board...just sayin.

good points

Posted by Riverbender <iframe src='https://members.boardhost.com/GraniteGossip/info/user=Riverbender' width='330' height='300' border=0 style='border:none;'> on January 19, 2020, 6:36 pm, in reply to "Re: Health insurance supplements vs advantage plans"

The whole Medicare private plans are considerably confusing because of the various "what ifs" that we are faced with. I am not certain but some may be PPO, HMO and FFS plans thare are confusing enough trying to figure out what those alphabet plan names are.
I will say all in all that the whole Medicare thing has provided good coverage based upon the premiums paid over the years by workers when considered against the current cost of services provided. A knee replacement often costs considerably more than the lifetime contributions paid into the system and is something not considered all in all.

The best gig is to be a member of the free stuff army where one gets full health care with no premiums, deductibles or co-pays. LIke it or not...thats the way it is.

Re: good points

Jezzz, the illegals dont even get that.

yes they do

Go to the Anderson Hospital ER some evening and if you only speak English...prepare to be isolated.

Re: yes they do

The same goes for the DMV in Edwardsville some days. How long before we will be pressing two for English?

Re: Health insurance supplements vs advantage plans

Posted by Open Minded <iframe src='https://members.boardhost.com/GraniteGossip/info/user=Open+Minded' width='330' height='300' border=0 style='border:none;'> on January 19, 2020, 9:21 pm, in reply to "Re: Health insurance supplements vs advantage plans"

Sara and granny - there is nothing wrong with asking for this information on the board, I'm afraid I don't have any experience with this, so I can't offer any advice.

What is wrong is that the Bunker-Bender duo feel the need to insert their hateful personal biases into this thread. I would think you boys have your hands full regurgitating extreme right wing misinformation and conspiracy theories into almost every other topic. Bunker even feels the need to respond to his own posts when no one else does.

Just because someone speaks Spanish in the ER doesn't mean they are illegal or any less worthy of medical care than you are Bender.

Interesting comment

Posted by Riverbender <iframe src='https://members.boardhost.com/GraniteGossip/info/user=Riverbender' width='330' height='300' border=0 style='border:none;'> on January 19, 2020, 10:19 pm, in reply to "Re: Health insurance supplements vs advantage plans"

being my advice was limited to check out the catastrophic out of pocket loss provisions based upon my own experience.
By the way who is supposed to cover the costs of those ER visitors seeking to use the ER as a Doctor's office? Will you reach in your pocket to pay for them? Are Doctors, Nurses and hospital supportive staff supposed to hand out free health care to others?
I have an idea, How about Haugnaur donate one of his many pensions to Gateway to pay for those that cant? After all its "fair" isn't it?

Re: Interesting comment

Yes, you did offer some pertinent advice on the topic, I agree. It's just unfortunate you couldn't stop without somehow making it about people you view as less valuable than yourself. You assume that people speaking Spanish are either here illegally or that they are part of your infamous "free state army".

Re: Interesting comment

Posted by Wally Bunker <iframe src='https://members.boardhost.com/GraniteGossip/info/user=Wally+Bunker' width='330' height='300' border=0 style='border:none;'> on January 19, 2020, 11:04 pm, in reply to "Interesting comment"

That sounds fair River, but only one.

Here is how a liberal takes a topic off subject

Posted by Riverbender <iframe src='https://members.boardhost.com/GraniteGossip/info/user=Riverbender' width='330' height='300' border=0 style='border:none;'> on January 20, 2020, 12:22 pm, in reply to "Re: Interesting comment"

Look at the above post. Open Minded seems like it has some issue with the Spanish these days. The posts that it is addressing do not have Spanish listed even one time yet its response seemingly revolves the Spanish.

These liberals throw up a response to a post about something like SPanish then go on a tirade about it. Yet Spanish was not mentioned in the original post
Liberals constantly do that. They put up something that did not happen or was put up by the poster then blow a lot of smoke attacking it as if it did happen. I think I was taught about this somewhere back in 8th grade composition but I see it constantly in use to this day. There is a name for these types of attacks that slips my mind but I will look for it perhaps.
Meanwhile we will have to wonder on why that poster is fixated on the Spanish. A divide and conquer attempt to try and convince that a post is anti-Spanish to try and gain their support perhaps. Nothing surprises me when it comes to liberals these days as they do their best to destroy America day by day.

« Back to index

[ GraniteCityGossip ]