Social Security & Medicare

ellenrr

(3,865 posts)

13. You are SO right...

Tue Jun 10, 2014, 08:43 AM

Jun 2014

I've never been one to go to doctors much, probably 5 times in the last 10 years.

So when I turned 65 I got a medicare advantage plan which was free.

Then, at 67, I was diagnosed with a torn meniscus in knee.
Need physical therapy.
My medicare advantage plan:
1st the place I went had to be in network, which the place I wanted to go, wasn't.
2nd Each visit was going to have a co-pay of $50.00!
That's for 3 visits a week, 4-6 weeks.

I changed plans to medicare supplement, now I can go anywhere and 100% is covered. well worth $178/ month.
(altho I couldn't afford if my father wasn't helping me.)

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39 replies

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Any Advice For Picking A Medicare Supplement Plan?.... [View all] global1 Aug 2013 OP

I have no idea what to tell you. rwork Aug 2013 #1

You get to change your plan every year, so nothing you choose is set in stone forever. djean111 Aug 2013 #2

The Drug Plan or Part D Is Not My Problem - I Need Help On The Medicare Supplement Plan.... global1 Aug 2013 #3

I am just in my second year, so I don't have a lot of experience. brer cat Aug 2013 #4

This message was self-deleted by its author moonscape Sep 2015 #18

Choose carefully. You can't switch Medigap plans later without losing your federal guarantee progree Oct 2017 #38

Please read Medicare.gov's "Choosing a Medigap Policy" progree Oct 2017 #39

Plan F seems to be the best plan NV Whino Aug 2013 #5

Message auto-removed Name removed Aug 2013 #6

AARP just gets a commission from United Health, the insurance company. hedda_foil Dec 2013 #7

Elizabeth Warren and Bernie Sanders...right on! twirlybird Jan 2014 #9

My Mother had that plan. Turbineguy Sep 2017 #36

Why even bother with supplemental health care? twirlybird Jan 2014 #8

I just realized that I need a supplemental insurance plan. RebelOne Mar 2014 #10

Exactly. Not getting a supplemental or an advantage plan is plain nuts. pangaia Sep 2017 #29

Without a supplemental plan, you better have a stack of cash you can blow. DebJ Mar 2014 #11

You are SO right... ellenrr Jun 2014 #13

Your experience shows the value of being able to change plans. PoindexterOglethorpe Sep 2017 #25

That's poor advice unless you are close to qualifying for Medicaid or have tons of money Hoyt Sep 2017 #28

... greatauntoftriplets Sep 2017 #32

I went with Plan F too. I think it doesn't matter which company, but I can't say I have ellenrr Jun 2014 #12

I Was The Original Poster Here & I Did Investigate All The Companies...... global1 Jun 2014 #14

I agree with you, but didn't have the patience or energy to do what you did. ellenrr Jun 2014 #15

along similar lines.. ellenrr Jun 2014 #16

Thank you for posting this. PoindexterOglethorpe Sep 2017 #26

Humana supplioment JoeLaValle May 2015 #17

Medigap Plan N seems to be the best ErikJ Nov 2015 #19

A lot depends on where you live and your specific needs. PoindexterOglethorpe Aug 2016 #20

I like the Advantage Plans to, especially Kaiser if it's available. Some people Hoyt Sep 2017 #31

Message auto-removed Name removed Apr 2017 #21

MEDICAREFAQ.COM is a commercial site. mahatmakanejeeves Apr 2017 #22

No real recommendation as to company csziggy Sep 2017 #23

I used to do outpatient registration PoindexterOglethorpe Sep 2017 #27

Yes - and they are reluctant and slow to give approval for procedures csziggy Sep 2017 #35

Story here CountAllVotes Sep 2017 #24

I've got Plan F. greatauntoftriplets Sep 2017 #30

Go with Plan F Delmette2.0 Sep 2017 #33

All suplemental plans are required to pay WhiteTara Sep 2017 #34

I recently signed up for plan G SharonClark Sep 2017 #37