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Let's talk Medicare part C. Phone lines are open now.
7 Dec 2024 12:22 pm
*Beekeeper » 07 Dec 2024, 8:59 am » wrote: ↑ You know NOTHING about Part C Medicare.
Part C is NOT a "government" plan in and of itself, but a plan offered BY INSURANCE COMPANIES as a better replacement FOR original Medicare. It offers things like Vision, Dental, and often Hearing benefits original Medicare DOES NOT OFFER. Is if "for" everyone? NO it's not.
BUT in many cases, it's a FAR BETTER OPTION that original Medicare in Medicare mandated benefits alone.
A person with original Medicare has DEDUCTABLES AND COPAYS under BOTH Part A and B. They need a SUPPLIMENT they have to pay for as well as a DRUG PLAN they must purchase IF they want even a standard level of coverage. NO VISION, NO DENTAL, NO HEARING COVERAGE IS THERE EVER!!
So add up the Part B premium, the Supplement Premium, and the Drug plan premium, you have roughly $350-500 MONTHLY PREMIUMS YOU ARE PAYING OUT OF POCKET!!
Medicare Part C in MOST of the nation has ZERO or VERY LOW (under $30 monthly) premiums. THAT includes your Drug plan, Dental, Vision, and often Hearing coverages. You ONLY pay your usual Part B Medicare premium. The Copays are FAR LESS and the out-of-pocket limits assure you don't get caught in that "out the ***" costs that never end in the event of a major illness. (one plan that is very popular has a $2500 MAX out of pocket for ALL medical claims in the year, excluding drugs, dental, routine vision, and hearing claims).
Yes, many have networks and you need referrals. THAT isn't hard to get as your Primary care physician can handle ALL of that with a simple phone call IF NEEDED. USUALLY, they are the ones making the referral in the first place and that's AUTOMATIC from their end. (it's a simple letter faxed to the specialist's office or sent by electronic delivery). Networks tend to be extensive with the more well-known plans like BC/BS, WellCare, Aetna, Humana, to name a few. Doctors DO NOT want to be left out and if they are, then they are losing a lot of revenue.
MOST of these plans have ZERO copays for your PCP. LOW copays ($10 to $50 depending on plan offered and selected) for a specialist. NO OTHER COSTS are coming out of pocket. Labs are usually no copay, imaging from $0 to $50 copay, and using a CareSpot over an ER is going to be $0 to $20 copay. So the KEY here is to have SOMEONE educate the beneficiary to HOW TO PROPERLY USE their plan. That isn't hard to do either. Hell, most don't realize that even original Medicare has restrictions and no-benefits for some things that YOU DO pay out of pocket for and CAN get expensive- ie. eyeglasses now can run upwards of $800 a pair, hearing aids over $3000 EACH EAR and Dental is out of reach for a lot of people even not on Medicare.
So please, STOP THE **** claims about Part C Medicare when you know NOTHING about it. You are regurgiting **** from the insurance agents selling MEDICARE SUPPLIMENTS!! They hate Part C since they make NOTHING when someone chooses one over their VERY expensive supplements.
All your emotional **** aside, it isn't insurance companies that I get this background nightmare from.
As I said, seniors with real medical issues say this stuff. They are riding inside that Advantage Dreamscape.
There's no way out once you've "signed zee papers, old man."
btw
You made my case with the $2500 max.
Plus you use my favorite squirmy language: Most, some, may, usually, tend to, isn't that hard...
"So the KEY here is to have SOMEONE educate the beneficiary to HOW TO PROPERLY USE their plan."
Please seat yourself.
I like the very things you hate.
I like the very things you hate.