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  1. Jim Simmers

    Health Insurance

    I hate the "My friend" cause you never really know if your friend is telling the whole story as it really happened or just giving parts. I looked up what plans are all available in ward county with a 58701 zip code, Blue Cross has three plans and United Healthcare has 3-4 plans. Those are the...
  2. Jim Simmers

    Health Insurance

    The Centers for Medicare and Medicaid Services or Medicare.
  3. Jim Simmers

    Health Insurance

    Part B, just like every one else. I have also stated that many times. traditional Medicare is A&B for $164.50 + supplemental +part D then need to purchase dental, vision if you want it. advantage plans, A&B for $164.50 many plans $0 + part D, dental, vision and hearing included for same $0. In...
  4. Jim Simmers

    Health Insurance

    sadly that's true, they like to hand out prescriptions like a big Pez dispenser.
  5. Jim Simmers

    Health Insurance

    I did address this. The part C plan always gets paid per their contract with CMS. Its just that you will not have an extra premium.
  6. Jim Simmers

    Health Insurance

    Dentists are not a Medicare benefit so the network status doesn't really count but in any event, you can get a out of network reimbursement form and get all or most of things reimbursed When it comes to plans available up there, UHC, Medica and BC/BS I think are the only ones considered part C...
  7. Jim Simmers

    Health Insurance

    I was referred to the Mayo in AZ last year and they said if I had Medicare I would have to self pay. I am 55 and not on Medicare. But even Medicare is not accepted at all places and different doctors can decide that they are only taking so many Medicare and so many Medicaid. I guess in a free...
  8. Jim Simmers

    Health Insurance

    Never ever have I ever said free. No matter what, you pay your part B premium. But you can have an Advantage plan or a cost plan with a $0 monthly plan premium. Plus get all the extra benefits.
  9. Jim Simmers

    Making ice

    I was at Stutsman and Kidder county lakes and measured 5" consistently. I would assume by the weekend we should have 7-8"
  10. Jim Simmers

    Hearing aids

    Medicare does not cover them. Medicare Advantage does. Just another perk.
  11. Jim Simmers

    Health Insurance

    That $3750 is the max out of pocket if you had the worse yr one might have and not be pushing up daiseys. With BC, you would have a premium of $69.00, that does not count towards your out of pocket max, or moop. but a hospital stay might cost you $350 per admittance. maybe a few specialist...
  12. Jim Simmers

    Health Insurance

    Obviously you dont understand and wont listen with an open mind. Advantage plans no not require referrals. You can see any doctor that accepts Medicare, most plans are PPOs and there is a network but even out of network, if you can find an out of network doctor for Medicare benefits, good luck...
  13. Jim Simmers

    Health Insurance

    I am sorry, I just saw you are in Williston. I can get you a cost plan with a zero premium. pretty close to an advantage plan. Like benefits, works the same, it is just paid differently than an advantage plan.
  14. Jim Simmers

    Health Insurance

    701-220-3251. if you live in a qualifying service area, zip code, I have 8 plans that offer a zero premium.
  15. Jim Simmers

    Health Insurance

    No longer? They never did. They do not accept Medicare. Out of the 4 Mayo clinics, only Rochester accepts Medicare and most carriers are in-network.
  16. Jim Simmers

    Health Insurance

    Ok, well, don't cry here, take it to CMS or congress. 52% and soon to be 54% of Medicare eligibles will argue with you. 70% of all health insurance/healthcare fraud comes from the doctors office so keep on preaching.
  17. Jim Simmers

    Health Insurance

    You have your opinion and thats great. You work in healthcare? Are you in billing or a nurse or doctor? I am in sales yes, its what insurance agents do. I am more than just a salesman because of the service I provide after the sale. You talking about insurance and what good or bad is like me...
  18. Jim Simmers

    Health Insurance

  19. Jim Simmers

    Health Insurance

    Again, I would like to know where you get your information. They cant be that bad as they have been around for 18 years, for the almost 18 years that I have had these plans in my portfolio, I still have most of my BOB. I have seen how they perform in all settings with probably most health issues...
  20. Jim Simmers

    Health Insurance

    So fill in the blanks for me. 1-who does the medical industry send their invoices/claims to, the insurance carrier/ member may have cost share. Some like hospice for instance go to CMS. 2-who pays the actual claims sent by hospital. the insurance carrier 3-who determines what the premium is for...

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