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Resistance See other Resistance Articles Title: Is Medicare Plan F the holy grail? Source: [None] URL Source: https://boomerbenefits.com/ Published: Mar 9, 2022 Author: Neo Post Date: 2022-03-09 23:47:39 by NeoconsNailed Keywords: None Views: 125 Comments: 2 What I just wrote my brother, sister, Ada and a health guru friend: Subject: great Boomer Benefits lady agrees Plan F covers everything Medicare does -- "no networks" www.youtube.com/watch?v=7R7eaukvndQ "Medicare supplements and Medigap plans are the same thing" "For decades Medicare Plan F has been the top seller" -- fantastic since its existence was news to me. Had any of you ever heard F discussed before? Feel free to reply in group. "When all things are considered, Plan G can often be a better value" -- not too sure about that. NN Poster Comment: I have been miserably slogging through endless articles and videos on this, but it looks that simple -- for less than $2k a year (at least for my state of health, age, location etc) it's the whole shooting match. It really seemed clarity was impossible -- variables on variables on variables! Maybe this is old news to y'all. Prolly. Post Comment   Private Reply   Ignore Thread   Top • Page Up • Full Thread • Page Down • Bottom/Latest #1. To: NeoconsNailed (#0) You can save $2K a year with an Advantage plan. Sure you are restricted to in-network. More important, is how much you trust the US medical care system and will it make any difference whether you use an HMO/PPO or spend money on a Medigap? Ada  posted on  2022-03-10   10:33:37 ET  Reply   Trace   Private Reply   #2. To: Ada (#1) Thanks so much for this feedback -- the lack has been a surprise considering how old we all are. I'd like to hear from some of you what Medicare plans you're on, including Medicare Advantage Plans (MAPs), and how happy you are withem. The network is clearly a ball and chain -- you're slap out of luck if you have a crisis outside of it. It's not necessarily so small as I'd thought. According to this 2022 video www.youtube.com/watch?v=X_yOFtkWsJg&t=0s a Preferred Provider Organization (PPO) can be regional -- your state or a group of states. But the other factors simply won't do, notably how every procedure has to be bureaucratically approved. There was a case (same video) where a Floridian had a bad car accident in Las Vegas and was in a body cast there while his agent labored to get his treatment greenlit. With Original Medicare (OM) and Plan F wouldn't he have been in the clear? F is a "from dollar one" program, that's the wonder of it. On page 9-10 here (quoting my email to you) www.medicarefaq.com/medic...-outline-of-coverages.pdf .....what I'd owe is a column of solid zeros down the right side -- even if I should be hospitalized for over a year. An extremely rare occurrence but you never know, speshly with the big hikes in crime and wackiness resulting from the plandemic. For $5 a day (I sound like a salesman) surely there's no contest, at least for anybody of average solvency. I realize some here live on the razor's edge -- wish it were otherwise. From my raw notes on the video -- hasty ones in need of rechecking: Ca. 12:30ff: HMO VS PPO. All MAPs are different and these are not the same as insurors Humana, Aetna etc – these PROVIDE those. All are annual contracts – calendar year. Some exceptions. 15:20: linked Kaiser Fndtn report that only 46% of docs in an avg area even accept MAP! The network can CHANGE so you may have to change doctors in the middle of the year to avoid paying out-of-network costs. Some accept HMO, some PPO. “Some of these doctors are going to accept medicare HMOs, some PPOS, some both. just because a doc accepts some MAPs doesn’t mean they’re going to accept YOUR MAP. Once you’re enrolled in a plan you’re committed to it for the calendar year. The doctor can drop your ins co at any time. They can stop accepting your MAP in the middle of the year. Your only recourse is to find another doctor or pay a higher fee. There is an exception – if medicare finds there’s been a ‘significant disruption’ over this they may provide you with a Special Enrollment Period to go find another MAP (16:20). can’t find a def of sig disrupt but am pretty sure it’s not one or two doctor changes. HMO wll have lower MOOP (annual maximum out-of-pocket expense) than PPO but lower MOOP means more insurance. (he reiterates the 2 disadvantages balancing this goodness. “Obviously your lower MOOP comes with a lot of restrix.") 18:45: Breaking Bad movie represents this HMO disadvantage. ‘the doctors that can save his life are not on his tiny HMO network. His life hung on him paying 100% out of pocket for treatment – no MOOP. A very accurate depiction of HMO'. _____________________________________________________________ USA! USA! USA! Bringing you democracy, or else! there were strains of VD that were incurable, and they were first found in the Philippines and then transmitted to the Korean working girls via US military. The 'incurables' we were told were first taken back to a military hospital in the Philippines to quietly die. – 4um NeoconsNailed  posted on  2022-03-10   11:25:23 ET  Reply   Trace   Private Reply   Top • Page Up • Full Thread • Page Down • Bottom/Latest

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