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Old 10-28-2013, 02:37 AM   #1
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Seeking advice re: Kaiser-Permanente Medicare

As of Nov 1, I will be enrolled in the Washington-Oregon Kaiser-Permanente Medicare Advantage Plan. It's been 25 years since I have been an HMO member. Anyone have any tips/suggestions?
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Old 10-28-2013, 04:20 AM   #2
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Quote:
Originally Posted by okmunky View Post
As of Nov 1, I will be enrolled in the Washington-Oregon Kaiser-Permanente Medicare Advantage Plan. It's been 25 years since I have been an HMO member. Anyone have any tips/suggestions?
go to any 24 hr fitness center with your kaiser card and mediscare card and enroll in silver and fit. be aware that they will try to sell you extra features such as a personal trainer, etc. it is not necessary to buy extras unless you want to.
the cost for myself and dw at 24hr fitness is $0. can't beat that with a stick.
we have been kp members for about 40 years.

https://www.silverandfit.com/
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Old 10-28-2013, 04:26 AM   #3
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We used to buy donuts for the people in charge of getting the referrals when we were on an HMO. Worked well for us .
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Old 10-28-2013, 04:36 AM   #4
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We used to buy donuts for the people in charge of getting the referrals when we were on an HMO. Worked well for us .
u wanna buy me donuts? i don't need the fat pills.
send $ instead.
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Old 10-28-2013, 05:39 AM   #5
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KP is a decent HMO. However, it does bug me to hear their President or CEO, not sure which, constantly doing radio commercials touting KP. If they didn't spend all that money on commercials, they could probably offer lower premiums.
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Old 10-28-2013, 08:03 AM   #6
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We had the Kaiser Senior Advantage plan for about eight years when we lived on the west coast. I am not familiar with all HMO's, but was well satisfied with it. I would not hesitate to sign up again if it were available in my present location.
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Old 10-28-2013, 11:20 AM   #7
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As of Nov 1, I will be enrolled in the Washington-Oregon Kaiser-Permanente Medicare Advantage Plan. It's been 25 years since I have been an HMO member. Anyone have any tips/suggestions?
I have been with Kaiser over 25 years but not Washington- Oregon. I was in Southern CA and now in the Northern California programs. My wife and I are both pleased with the services. She has had major surgery three times and everything went well and the Kaiser staff were very helpful. One of her surgeries was for a compound arm fracture out of state and Kaiser paid over $30K to the (non Kaiser) hospital & physicians for that one.
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Old 10-28-2013, 01:12 PM   #8
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It's good to hear positive comments, thanks!
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Old 10-31-2013, 01:04 AM   #9
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We joined Kaiser in 1953 and would not change for the world.
We were on a trip from California to Florida a few years ago and I got sick as hell and I call Kaiser after I told them where I was and there was no Kaiser in the area they told me to go to the nearest hospital which I did.
This sort of thing happoned a few times while we were out of the area.
Just a thought.
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Old 11-04-2013, 02:57 PM   #10
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I had my first appt on Friday. Wow! Great facility, really nice people and a "Let's get that fixed!" attitude. Surprisingly very little waiting time. I also had lab work and X-rays. I made the right choice.
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Old 11-04-2013, 03:24 PM   #11
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I have been on Kaiser Senior Advantage for about 2 years and really like it. When I want to see my doctor, I can schedule an appointment online and order prescriptions with an iPhone App. My doctor is retiring, my third in my lifetime. I got online and chose a new one. Need to go see him and see if I like him. I can't comment on hospitalization because I have been lucky enough not to need it yet. My mother had Kaiser at the end of her life and I liked the way they took care of her.
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Old 11-06-2013, 10:44 AM   #12
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All Advantage programs received additional 29% funding from Medicare over the Medigap Program. When the ACA (ObamaCare) was enacted $719 BILLION was removed from the program and over $200 BILLION was from Advantage and over a three year period it is going to be reduced to be on an equal footing with Medigap cost wise. These reductions start Jan 1 2014. The point here is that all Advantage plans are going through some huge changes and be sure of what you are getting. Good Luck and welcome to seniordom.
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Old 11-06-2013, 10:08 PM   #13
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The point here is that all Advantage plans are going through some huge changes and be sure of what you are getting. Good Luck and welcome to seniordom.
Hi Lin,

I entered Medicare 2.5 years early due to having been on SS disability for 2 years. I chose the Medicare advantage plan here because of it's 5 star rating from Medicare and the recommendations of friends. One advantage to being a full-time RVer is that it's really easy to move to where medical care is the best or where you have the best support.

So far I'm thrilled! Today is day 6 on KP and I have seen a family physician, had lab work and x-rays, chosen a primary physician, had a pharmacist call me to discuss my meds (i'll save $200+ monthly) have appts scheduled next week with a neurosurgeon and an orthopedic surgeon and the following week for a Welcome to Medicare preventative exam.

From here, I'm really enjoying the advantages. 2014 costs are already fixed. I hope that by 2015 I won't be needing as much medical care, but I think I'll get my money's worth. And, I don't have to worry about negotiating the Obama care mess.

It has been a whirlwind with me in the center.
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Old 11-06-2013, 10:46 PM   #14
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I've been with Kaiser for over 20 years now - while I was working, and after I retired. While I was working I was covered under a co-pay plan - I paid $15 for an office visit; no deductible. I think my share of the cost was around $150 per month for coverage for both my wife and I. When I retired I had to pay the full cost for that plan - $960 per month. A year after I retired my old company changed the plan to a deductible plan - the monthly cost was the same, but office visits now cost me $50, and I had a $2500 deductible.

Then my COBRA coverage ended and I had to get a personal plan - one that was within my limited budget. So, I chose a high-deductible plan ($5000!) in which I had to pay $85 for an office visit. That cost me $275 per month, and an additional $960 per month for my wife - she had to get a different plan due to her health issues. Last month we both got our letters from Kaiser letting us know that our plans will not be available next year - the plan they suggested for my would cost me $450 a month. My wife's plan would go down, though, because they could no longer discriminate against pre-existing conditions. But it would still cost us over $1000 a month for a $5000 deductible plan that would see us paying $50 for an office visit.

So, I activated my VA coverage for myself - I pay $15 for an office visit, $50 for a specialist visit, and get free hearing aids and glasses. All for a monthly cost of $0 - I paid the dues 40 years ago when I was an Airborne Infantryman! Unfortunately my wife can't come along, so we are continuing her Kaiser coverage, but we can now select a co-pay plan instead of a deductible plan and still save money.
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