Reply to thread

Message: <blockquote data-quote="Motor Mouse" data-source="post: 390489" data-attributes="member: 703">Oh man I can’t believe I’m doing this! I said I would not so I am a dink.Jim give it up! You are not doing your self any favors! Advantage plans are not the end all.Why does a g or n plan or other gap plan not need a max out of pocket? Because the coverage for that 20% you refer to is covered 100%. Yes a n plan has a co pay for office visits. Might cost you a couple hundred bucks at most for most people much less. The big thing for me is the pharmacy. I am in a BCBS group plan with my former employer. I am a diabetic and have had congestive heart failure. I am on  3 diabetes drugs and 3 heart drugs. Now I.could go into drug tiers. I know them all too well. There is a major difference between tiers with gap plans and advantage plans.Will tell you my pharmaceutical coverage with my group gold plan with drug plan and monthly premium is less per year than any advantage plan. And no hassle. No denials no referrals. And more. I will tell you from experience that max out of pocket is not the only thing to consider and what I pay for drugs and med coverage is less than most max out of pocket c plans.What does suck is that dental is not covered. Now talk to any dentist or do the math yourself. If you need a cavity filled every few years and cleanings twice a year dental insurance does not pencil out. If you have dental issues it will make sense. I get vision screens and a discount on glasses and contacts. Not vision coverage. I was in the hospital two times in in 2023. And with my pharmacy needs I can guarantee I’m on the right plan. Wife had cancer, will be on cancer drugs for several years. By her doctor recommendation/ approval. Not Humana. She is not at Medicare age and we are not sure if my employer plan is right for her or if we should consider an advantage plan? I am worried about approvals referrals with advantage plans? I’ve been there! Her drug costs other than the cancer drug is minimal. So advantage plan could be right for her. Jim again you are not doing your self any favors! You are a salesman for Medicare coverage. And that’s ok! But you are biased! You can not be. This is not if gap is a better option or advantage plans are a better option! This is do your homework see what’s best for your situation! But to make claims that advantage plans are best for 99.5% of seniors is snake oil.Just drop it. You will be doing your self a favor.</blockquote>

Verification: What is the most common fish caught on this site?

Reply to thread

Recent Posts

Friends of NDA