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LouLawrence

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Posted: 10/20/22 08:45am Link  |  Quote  |  Print  |  Notify Moderator

Scottiemom wrote:

LouLawrence wrote:

We travel full time and have for many years. I am in excellent health but have been battling a pinched nerve in my neck. Long story short, I ended up with MRI, surgery, neurosurgeon, 2 nights hospital. Now sitting for 3 months with no driving but traditional Medicare and a part F supplement appears to be covering it all but expect some bills for the required deductible payments.


Part F covers your deductibles. You won't be getting any bills. That's why we bought that supplement. I understand it's no longer available but if you have it, you're good to go.


Dale

I have G high deductible version (Missed C or F by 2 months). So far the ER visit includig MRI was 15000 and I have been billed a couple hundred. Can't imagine how much the surgery and hospital will charge but don't expect to pay more than the 2500 deductible.

* This post was edited 10/20/22 09:13am by LouLawrence *

JimK-NY

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Posted: 10/20/22 09:54am Link  |  Quote  |  Print  |  Notify Moderator

If you are healthy and relatively young, the need for really good medical insurance coverage might seem not worth the cost. I am 76 and actually pretty healthy for my age. Even so the medical costs can be out of sight. In the past year I have had a bunch of doctor visits, including specialists, also lab work and a bunch of testing and other procedures. I was seen by a rheumatologist a couple of times which also included lots of lab work. I had a couple of sessions with a neurology specialist which included some extensive EMG testing. I had a couple sessions of afib following my Covid shot. That means several cardiologist visits including an implant for a monitoring my heart. The monitoring is done by a cardiac specialist on an ongoing basis. I just finished a cardiac cath with a couple of stents. A few weeks ago, I had routine endo/colonscopy testing. I have mild emphysema so next month I am getting a complete pulmonary workup with ultrasound, echo, CT scans and pulmonary function testing.

I have paid absolutely no out of pocket costs for these many tens of thousands of dollars worth of testing and care. In addition I have no restrictions on physicians or providers. I have been able to find the best and replace any doc that does not seem to meet my expectations.

I highly recommend you look and pay for the most flexible and comprehensive coverage you can find. Sooner or later you will need it.

DallasSteve

Texas

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Posted: 10/20/22 10:01am Link  |  Quote  |  Print  |  Notify Moderator

JimK-NY wrote:

If you are healthy and relatively young, the need for really good medical insurance coverage might seem not worth the cost. I am 76 and actually pretty healthy for my age. Even so the medical costs can be out of sight. In the past year I have had a bunch of doctor visits, including specialists, also lab work and a bunch of testing and other procedures. I was seen by a rheumatologist a couple of times which also included lots of lab work. I had a couple of sessions with a neurology specialist which included some extensive EMG testing. I had a couple sessions of afib following my Covid shot. That means several cardiologist visits including an implant for a monitoring my heart. The monitoring is done by a cardiac specialist on an ongoing basis. I just finished a cardiac cath with a couple of stents. A few weeks ago, I had routine endo/colonscopy testing. I have mild emphysema so next month I am getting a complete pulmonary workup with ultrasound, echo, CT scans and pulmonary function testing.

I have paid absolutely no out of pocket costs for these many tens of thousands of dollars worth of testing and care. In addition I have no restrictions on physicians or providers. I have been able to find the best and replace any doc that does not seem to meet my expectations.

I highly recommend you look and pay for the most flexible and comprehensive coverage you can find. Sooner or later you will need it.

We have different definitions of "pretty healthy". If I was your level of pretty healthy I would choose a different plan. The good thing is that every year I can re-evaluate what I need and choose a different plan. If I fall apart 6 months from now I'll have to absorb some out of pocket costs in 2023 (which I can) and then I can pick a more expensive plan for 2024.





JimK-NY

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Posted: 10/20/22 11:56am Link  |  Quote  |  Print  |  Notify Moderator

DallasSteve wrote:


We have different definitions of "pretty healthy". If I was your level of pretty healthy I would choose a different plan. The good thing is that every year I can re-evaluate what I need and choose a different plan. If I fall apart 6 months from now I'll have to absorb some out of pocket costs in 2023 (which I can) and then I can pick a more expensive plan for 2024.


You may have less ability to change plans than you think. My insurance though AARP/United Healthcare is defined by the Medicare Plan F. It was very comprehensive. It is no longer available except for those of us who had it previously and are "grandfathered in". With the high cost of healthcare, I suspect we are going to see Medicare and supplemental coverage under more control with more of the costs transferred to the user.

LouLawrence

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Posted: 10/20/22 04:35pm Link  |  Quote  |  Print  |  Notify Moderator

That's why I do have to pay some deductible. The C and F plans that covered those are no longer available to us youngsters!

Bird Freak

Dallas Ga.

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Posted: 10/20/22 04:35pm Link  |  Quote  |  Print  |  Notify Moderator

We had United thru AARP for 3 years but dropped them last year as they would not sign contracts with 3 of the major hospitals in our area and also kicked our Dr's out of network. We have Humana Advantage now and it has been much better. Lower co pays and more benefits.


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