Jackpine Elders

Changes in Advantage Medicare

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    • #174355
      glinda
      Participant
      • Total Posts: 800

      Oh For Pete’s sake. Does anyone understand what tangerine pud just signed in regards to Medicare advantage changes? I have to sign up Monday either adding gap or Advantage. Not sure how anything is affected but sounds like even though they are all Insurance Companies involved….uh….how does this affect things? I do not want to pay anything much and not be denied for anything and for that matter basically do not wish to be hounded, demanded to do things, etc…..M4A cannot come quick enough. I am too inexperienced to see traps….

      Animals know more than we do.

    • #174370
      Utopian Leftist
      Participant
      • Total Posts: 410

      I don’t have the answers to your questions: I have no idea what D-Rump has actually done. Hopefully there are still Medicare staff that will answer them for you.

      I have a Medicare HMO plan (I think that it is called an “advantage plan”). If you are poor enough to qualify for one, there are Medicare HMO’s that have zero copay. My copay for primary care OR a specialist is always zero. I think you have to qualify for Medicaid and Medicare both in order to get on that program.

      "All fascism is a result of a failure of the left to provide a viable alternative." ~ Trotsky

      • #174378
        glinda
        Participant
        • Total Posts: 800

        Currently do not qualify. Husband retirement income places us in the “too poor to so some important things” and “too much money so we will tax you to death and give you few breaks” category. I found a lot of things online but geebus am confused. Have spoken to my broker and an Insurance person and to be honest, none of them are that helpful since they are instructed to not sway a person. lol! I do think I understand this year will be the last to sign up for insurance that cannot use pre-exisiting conditions against a person but since I hate Drs. I do not know if I have one except anger at this point.I just want as much paid for me, no one to bug me and probably to hope for getting decent medical Drs.

        Animals know more than we do.

    • #174443
      Two way street
      Participant
      • Total Posts: 1,678

      Try the real Medicare . gov web site for plan information.  Watch the government CMS video:

      https://www.medicare.gov/

      2020 Campaign Season: We the People are in the fight for our lives and livelihoods.

    • #174507
      NJCher
      Participant
      • Total Posts: 896

      I read the article and it all sounds good to me. He’s shifting many expenses that would have been borne by the Medicare recipient to the Medicare fund.

      I have an Advantage plan and pay nothing on a monthly basis. I have to pay various co-pays, but most of the time they’re not that high. $10 for a doctor visit, $25 for a specialist.  $20 for chiropracter.   Overall I’m very happy with my plan.

      • #174571
        glinda
        Participant
        • Total Posts: 800

        My husband has an advantage plan and of course has to stay within the providers and get referrals. A woman on FB just told me if she hadn’t had a “gap” plan she would have gone bankrupt because she had a catastrophic event. I have heard that advice form a woman who also sells Insurance about her SIL who is ill. That is what worries me about Advantage plans. I do not want to end up homeless because as is we are trying to get rid of things, sell the house eventually (no profit on this one) and land somewhere affordable. Especially if husband passes. Medicare a/b is also going up next year. As might/will other things.

        I just know his signing this will lead to something bad for many. Rates going ballistic or something.  At least I think I have a 3 month window where I can change my plan.

        Animals know more than we do.

    • #176267
      glinda
      Participant
      • Total Posts: 800

      Spent all night into the morning reading up on various sites on this. One thing is that the F Plans will be discontinued and there is a replacement plan sounds like. Big discussion on prices raising as a result of low pool of health applicants due to this change scaring people over to the new plan in hopes it will not rise as fast. Medical underwriting is becoming a bigger issue as well and there are only a handful of States that allow people to change these plans during either all year or a specific time of year without hassles.

      A lot of the changes seem to be geared towards people paying more and getting less if they cannot imho. So the wealthy win again. And Medicaid will be cut back in dollars and become block grants.

      Animals know more than we do.

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