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In reply to the discussion: Medicare Advantage Plans Often Deny Needed Care, Federal Report Finds [View all]Casady1
(2,133 posts)43. I have done all the work
All supplemental plans are the same. They are government mandated. AARP pushed United and Blue cross is the most expensive. The least expensive is Mutual of Omaha and they give you a 12% discount for being married. You have to choose a a separate RX plan and the medicare site will guide you to the one for you. Dental is separate as is optical. AARP dental is decent and it is $75 per month andt it is the only plan that covers implants (it is delta dental).
Your cost will be as follows
Medicare- $170 to more(means tested) and it goes by your last year's earnings.
Mutual of Omaha is $112 per month
Dental is $75
RX is about $20.
You are immediately accepted into medicare. If you go to Advantage and you get sick and want to go back to original medicare the insurance companies now have the right to underwrite you( you are screwed)
Last year my wife had 3 operations and one included a 25 day stay in the hospital. Her bills were $800,000.
I paid $205 total with the supplemental and I did not have to fight the insurance companies one time.
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I read it as Medicare Advantage, it was a way the Right tried to "Privatize" Medicare
ashredux
Apr 2022
#33
Medicare Advantage is entirely different from Medicare Supplement aka Medigap plans
progree
Apr 2022
#34
I understand what you are saying, however, Progressive has been very good to us.
Ferrets are Cool
Apr 2022
#7
I think Joe Namath has had more tv exposure time in the ads than as a football star.
keithbvadu2
Apr 2022
#23
It was Clinton that originally got the ball rolling on Medicare Advantage and Bush with the Medicare
DuaneT
Apr 2022
#42
No kidding! Usually when you are travelling it's an emergency. You don't have time
Emile
Apr 2022
#38
A doctor or hospital does not have to be in network if it is a bonifide emergency.
DuaneT
Apr 2022
#44
I like how certain supplemental plans are designed to make you pay more than if you paid yourself
Ohioboy
Apr 2022
#13
Original Medicare needs to add vision and dental coverage and also get rid of the Advantage plans.
Lonestarblue
Apr 2022
#15
Got a friend struggling with this now. His local doctor is on the plan, but
Midnight Writer
Apr 2022
#21
After reading up on it, MA is more of a HMO and it was less risky to pay the Part B for better cover
keithbvadu2
Apr 2022
#24
"Medicare Advantage" is converting seniors from their gov't Medicare coverage into a private plan
FakeNoose
Apr 2022
#26
I have been rather lucky then with my Humana plan as they so far have yet to deny anything.
cstanleytech
Apr 2022
#36