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CalChris says >"I think Traditional Medicare with Plan G is slightly more expensive up front with no ballooning copays/insurance or..."< What "ballooning copay
by giardini 4y ago
CalChris says >"I think Traditional Medicare with Plan G is slightly more expensive up front with no ballooning copays/insurance or..."<
What "ballooning copays/insurance" are you speaking of? FWIW we have Medicare Advantage from Kelsey-Seybold. I don't see any balloons in my future that aren't from China.
You are convinced regular Medicare + Medigap is better than Medicare Advantage. Why don't you show us an exhaustive list comparing the two instead of floating balloons past us one at a time to shoot down.
My MA plan with a single provider has been excellent. One of the best "advantages" is that my medical records are centralized and I have a true medical history going back 40 years in silicon (and on paper when I need it). When go into an ER they have it all there in front of them.
I'm open to change, but provide hard arguments and numbers, please.
- CalChris 4y agoKelsey-Seybold Clinic is a healthcare provider (in Houston). A Silver Medicare Advantage plan with them has a Maximum Out-of-Pocket of $3450 in-network, better than I would have thought. I have a $226/yr Part B deductible. That's it. I have no copays, no coinsurance, no preauthorizations and no network. I am paying $164.90/mo for the Part B premium and $139.28/mo for UHC Plan G. Part D is separate but I only take a statin and my Part D plan is $4.50/mo. In particular, I value no preauthorizations and no network very highly. It means I won't be arguing with health insurance companies for the rest of my life.