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Old 12-26-2009, 03:20 PM   #71
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Nebraska's deal was that the Gov would pick up the tab for Medicaid expansion. This deal was necessary to get the Senate version signed by 60 members.
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Old 12-29-2009, 09:16 AM   #72
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Well, I did it

The representative from Freedom Health stopped by today and signed me up.

I will wind up with better coverage than I had with my Medicare Part A & B. Plus I will get back my $97.00s a month I pay Uncle Sam. That's a good thing since my wife's medical is going up $10.00 a month starting January.

Thanks to all who replied to my original post.

Ron
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Old 01-05-2010, 03:55 PM   #73
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Originally Posted by Ron & Dee View Post
Well, I did it

The representative from Freedom Health stopped by today and signed me up.

I will wind up with better coverage than I had with my Medicare Part A & B. Plus I will get back my $97.00s a month I pay Uncle Sam. That's a good thing since my wife's medical is going up $10.00 a month starting January.

Thanks to all who replied to my original post.

Ron
Ron, you've got my attention here with your statement "I will get back my $97.00s a month I pay Uncle Sam." Are you talking about the "Part B" premium that is deducted from your SS check? It's my understanding that you will continue to pay the "Part B" premium whether you have the Medicare Part A & B or one of the Medicare Advantage programs. As far as having better coverage, that may or may not be true. While the Advantage plans offer expanded coverage in some areas, people seem to have a problem with understanding co-pays and co-insurance. A lot of people who have been on Part A/B sometimes have a problem understanding how it all works. One of the big things to remember that if you happen to have a PFFS (Private Fee-For-Service Advantage plan) then your doctor or hospital can choose whether to refuse treatment to you (except for an emergency) at any time. In other words just because a doctor accepts your plan today doesn't mean that he will accept it tomorrow. He also has the right to accept it from you and not from someone else.

IMO is the Advantage plans a bad deal??? No, not really, if you understand how they work, and if you live in the service area (if it's a PPO, or HMO plan) then they can be a GREAT plan. Just do your homework, and make sure that whoever you talk to is certified to talk to you about the different Advantage plans offered in your area....Remember NOT all insurance agents are certified to sale, or even talk to you about Advantage or Part D, both of these programs require an annual recert and agents are required to follow very strict CMS rules in marketing these plans.
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Old 01-05-2010, 04:04 PM   #74
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The $97 is to go up as of 01/01/1, I believe it was $110, but not sure. I will know when I get my check this month. The Advantage plans were treated very poorly in bothof the new bills and would probably be dropped. I am not sure if that will happen now when the taxes and expenses are due to start or wait until 2014 when the benifits are to be changed (cut). This is one reason AARP was for the plan as they don't sell advantage and 12,000,000 seniors would be looking for medicap plans which is what they sell. I am starting to think this whole thing will not pass or be very watered down. What we know of it now, probably isn't right.
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Old 01-05-2010, 04:15 PM   #75
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The $97 is to go up as of 01/01/1, I believe it was $110, but not sure. I will know when I get my check this month. The Advantage plans were treated very poorly in bothof the new bills and would probably be dropped. I am not sure if that will happen now when the taxes and expenses are due to start or wait until 2014 when the benifits are to be changed (cut). This is one reason AARP was for the plan as they don't sell advantage and 12,000,000 seniors would be looking for medicap plans which is what they sell. I am starting to think this whole thing will not pass or be very watered down. What we know of it now, probably isn't right.
You are correct about the increase in Part B premium, however AARP does sponsor an Advantage plan, it's called MedicareComplete and it's underwritten by SecureHorizons.
AARP Health - Medicare Advantage Transition...
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Old 01-06-2010, 05:20 AM   #76
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It's my understanding that you will continue to pay the "Part B" premium whether you have the Medicare Part A & B or one of the Medicare Advantage programs.
.
If I don't get the $97.00 back, then she LIED

She said she was certified.

Quote:
In other words just because a doctor accepts your plan today doesn't mean that he will accept it tomorrow. He also has the right to accept it from you and not from someone else.
Couldn't that also happen even in just Medicare part A & B?

I haven't received my ID card yet but will contact the company since I will need a doctor's appointment next week. The Insurance Co I chose has a local office, so if I have any problems I will be knocking on some doors.

Ron
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Old 01-12-2010, 11:26 AM   #77
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Had my first doctor visit with my new Medical Insurance Plan, everything went fine no co-pay.

My monthly Social Security did not increase this month, and I also didn't get my $97.00 back since signing up with the new Insurance. The lady that signed me up said it could take maybe 2 months before I see it in my Social Security check but it would be retroactive.

Ron
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Old 01-12-2010, 02:19 PM   #78
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I've enjoyed this forum and think it has great value to the RVing community. And this has been a great (and obviously needed) thread, as evidenced by the tremendous activity. Let me say at the outset that IMHO some information and experiences have been enlightening, and a few were absurd or even preposterous, with most of it in the middle. A good discussion, in my view. And I got a little perturbed with some comments that came close to personal criticisms, and therefor came close to breaking some posting rules. However, I think all moderators should recognize that many discussions that need to happen between people will often express differing opinions, and at times may get a little testy. I strongly believe that how folks word their responses and the directions they take should always be viewed with a hefty acceptance of the values of free speech. The iRV2 mission statement that I've read many times includes the exchange of VALUES as well as knowledge and experience. I think moderators are doing their job to eliminate any "attacks" or flames, but I think it should be done by cautioning those individuals rather than threatening to shut down a thread. In this case, the moderator did a nice job without getting too heavy-handed, but I did not like the threat of shutting everyone down. I understand and support that we all want to be civil here, and I would rather have flamers be openly reproached -- however, public forums can quickly lose their value if they are censored. (And, if this is off-topic and should open a new thread, please go ahead....) My 2 cents....
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Old 01-13-2010, 12:52 AM   #79
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Ron&Dee How does the policy work that you get back your 97.00? Are you then turning around and using it for the policy you bought? If that 97.00 is free to use as you see fit, I might want to do this too. I have both A & B of course, and an advantage plan. Your paying something to get this policy you have. I'm for anything that is good and cheap as possible.
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Old 01-13-2010, 03:56 AM   #80
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Ron&Dee How does the policy work that you get back your 97.00? Are you then turning around and using it for the policy you bought? If that 97.00 is free to use as you see fit, I might want to do this too. I have both A & B of course, and an advantage plan. Your paying something to get this policy you have. I'm for anything that is good and cheap as possible.
Wayne,

As soon as I get my $97 back I'll let you know. I talked to the Insurance co Monday and they assured me I would be getting back the $97 I pay for part B.

I still don't understand how that is possible but I should find out in a couple of months. With this new policy I also get eye and hearing exams, and help with the purchase of glasses and hearing aids. I didn't get that with just Medicare Part A & B.

I'll try to keep everyone informed,

Ron
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Old 01-13-2010, 11:56 AM   #81
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Wayne,

As soon as I get my $97 back I'll let you know. I talked to the Insurance co Monday and they assured me I would be getting back the $97 I pay for part B.

I still don't understand how that is possible but I should find out in a couple of months. With this new policy I also get eye and hearing exams, and help with the purchase of glasses and hearing aids. I didn't get that with just Medicare Part A & B.

I'll try to keep everyone informed,

Ron
Ron, I'd be interested in hearing about this also. I understand the eye exam and coverage on glasses and hearing aids, most of the Advantage plans I've seen include this, however the return of your part B premium is a new one on me. What company did you say your program is with? If you would perfer to IM me that info, that will be fine. I'd like to see if that company does business in VA, and if so, I might consider bring it on line with my company.
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Old 01-13-2010, 12:21 PM   #82
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Ron- Very interesting. I'm going to be making these coverage decisions in 6 months, so I'm also awaiting clarification on how you get your premium back. Please keep us posted
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Old 01-14-2010, 12:32 AM   #83
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Ron & Dee, Looks like you got a few of us interested in the Rest of the Story of how this policy works. Sure hope it does work and that you find in total that the premium you do pay is cheaper by having this 97.00 refunded. I'd sure hate to hear that because its refunded you no longer have part B but now are at total mercy of new insurance company. That's my fear of it. but like you said, we will wait and see how this turns out. Advise all of us how its working once you get refunds started.
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Old 01-14-2010, 03:53 AM   #84
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The insurance co I went with , Freedom Health, is a Florida co owned by local doctors, and only covers certain counties.

I had recieved offers from other insurance companies but not sure if they were all local or national. Some of them had no premium, like the one I got, and others had a small or lager premium.

My plan is considered an HMO, I get two physicals a year, plus what I have already mentioned. $25.00 co-pay for a specialist, $10.00 office visit if I'm out of nework and need urgent care.

I should know by next month if my Social Security check increases.

Ron
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