Medicare dental and vision supplements?
RNmomof2 zone 5
2 years ago
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Choosing Health Plans: Medicare + WHAT?
Comments (11)I don't think AARP offers insurance. They're not an insurance company. It appears to me that the organization lends an AARP endorsement to various policies. I don't know if the insurance companies pay AARP. I haven't investigated that much because we have better opportunities (group insurance) through DH's former employer. I see that some Advantage plans include drug coverage. If they do, you don't need a separate Part D. I think it is illegal for a company to sell you one that would duplicate drug insurance. It looks like we're sticking with the Original Medicare coverage (A and B) plus the Aetna Integration policy ('Medigap' policy) for us both. We'll add a separate Part D for me. We did that combination for 2009 and it has been good for us. The policies are still reasonable for 2010 ($522 each for the Aetna Integration plan -- which pays the Medicare deductibles for MD's and hospitals). We can use any MD or hospital -- no HMO's or in-network requirements. We paid nothing out-of-pocket in 2009 because the Integration policy picked up the 20% Meidcare doesn't pay. We filed no paperwork. We haven't run into an MD or hospital that didn't take Medicare as our primary (in Chicagoland or on Maui). We could buy another Aetna Integration plan for less. The *only* difference is that it doesn't pick up the Medicare doctor and hospital deductibles ($135 and $1068). It's unlikely that either of us will be hospitalized, BUT if either of is, we'd lose what we'd saved by taking this policy instead of the more generous one. I suppose I shouldn't be surprised that premiums for insurance are stated in monthly fees, because the annual costs are staggering! I'm also surprised to see people *thrilled* with low co-pays for generic drugs or doctor visits -- not taking into account huge premiums they're paying for the policy. We have to be decided by Saturday since our insurance is coming via DH's former employer. I've juggled the numbers as long as I can. My arms are tired!...See MoreDental Insurance - any recommendations?
Comments (13)Unlike medical insurance, dental insurance is more akin to prepayment for services than classical "insurance". It's probably cheaper for most people to just pay for services as needed. If your coverage is only what you use from year to year, you're probably not getting much out of it. The cost of employer-provided plans is much higher than what's typically offered to individuals, and the pricing is really an aggregation of costs of covered services with a slight discount factor. Many dentists are starting to offer their own "insurance" coverage to their patients, and they're really nothing more than a flat amount prepayment for normal recurring services. Linda, you earned your retirement benefits and are more than entitled to them. Future retirees from government agencies like yours and others at all levels will have skinnier coverage (if any) because the costs are too high and so the programs are unsustainable....See More4 Medicare Misconceptions
Comments (1)Thanks for reposting this article. I saw it but didn't really pay attention. Medicare is a great program and most seniors couldn't live without it. But, it has its pitfalls like anything else. This article really spells them out. Here is a link that might be useful: Satisfying Retirement...See MoreResearching Medicare Supplements
Comments (4)DH and I are going with AdvantraRX for 2009 after being with Humana this year. Google Medicare Part D ("I'm feeling lucky" to go directly to Medicare site). You can put in all your meds and your zip code, etc., and Medicare will show you all the plans in your area and the costs for each so you can easily compare and decide which plan to go for. We also have a Medicare Advantage plan (not a supplement) for $70 a month, each, for 2009 and no co-pays, no deductibles, 25% co-pay only for radiation therapy with a $1000 stop-loss. It's the best plan we have ever had. You can also check, on the Medicare website, for the best plans for Medicare Advantage which are ususally cheaper than supplement plans. Big variations, however. The first plan my DH had was cheap, but had co-pays with no stop-loss. Didn't think that would be a problem, but he had open heart surgery and contracted MRSA as a result and the co-pays ended up being about $4,000. We are almost finished paying them off, 2-1/2 years later. Learned a very expensive lesson. Make sure there is a stop-loss if you have any co-pays....See Moresalonva
2 years ago
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