Well, 'Ol Del and I do mean "ol" is a Blue Cross "victim"

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67Dart273

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Got tired of listening to Joe Namath and how I'm gonna get all this free **** if I sign up for whatever it is that he's selling (and lately sounds more and more desperate LOL) The co. I work for part time covers it's full time guys with Blue Cross/ Blue Shield. So I went down there today, and will be ditching Medicare for whatever flavor THEY have. Seems like a better deal

I was worried about the "out of network" catch but the agent assured me that any of the major players in the Coeur d Alene / Spokane area are "in". Since I don't travel much, I don't see a problem.

I figure that at my age (72) ANYTHING can happen from here on out.
 
Joe Namath and his entitlement speeches are well on thier way to turn me off of Newsmax
 
Humana is hard to take
Anytime they sit down for a conference with a 'specialist' to inform you it sucks the most.
Seeing Glover stoop that low saddens me.
 
Got tired of listening to Joe Namath and how I'm gonna get all this free **** if I sign up for whatever it is that he's selling (and lately sounds more and more desperate LOL) The co. I work for part time covers it's full time guys with Blue Cross/ Blue Shield. So I went down there today, and will be ditching Medicare for whatever flavor THEY have. Seems like a better deal

I was worried about the "out of network" catch but the agent assured me that any of the major players in the Coeur d Alene / Spokane area are "in". Since I don't travel much, I don't see a problem.

I figure that at my age (72) ANYTHING can happen from here on out.
You had me at.."I'm tired of Joe Namath..."

I knew exactly what you were talking about!

Lmao AGREE!
 
Got tired of listening to Joe Namath and how I'm gonna get all this free **** if I sign up for whatever it is that he's selling (and lately sounds more and more desperate LOL) The co. I work for part time covers it's full time guys with Blue Cross/ Blue Shield. So I went down there today, and will be ditching Medicare for whatever flavor THEY have. Seems like a better deal

I was worried about the "out of network" catch but the agent assured me that any of the major players in the Coeur d Alene / Spokane area are "in". Since I don't travel much, I don't see a problem.

I figure that at my age (72) ANYTHING can happen from here on out.
I dont know
I look at those and Scam pops up.
I will stick with the Goverment program.
Good luck
 
Man, you need to talk to a professional about your health care options. Not somebody connected with one of those blood sucking insurance companies, but an independent advisor to help you figure it all out. I don't think paying for medicare is optional at your age and I would bet that you need to look at a good medicare advantage plan. I just spent the last 3-4 months figuring this out since I am turning 65 and it isn't easy. But I'm saving about $1000 a month as compared to the coverage that I had through my wife's employer. My Medicare advantage plan is run by Blue Cross/Blue Shield...
 
That is exactly what this is- advantage plan.

It's called "True Blue Rx Gem" which is specific, good or bad, to whatever regulations in Idaho State
 
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Sorry to panic, but didn't want to see you hurt financially. Just to clarify, you are taking advantage of Medicare part C, which is what makes Medicare Advantage plans possible. Hope this all works out well for you and that you don't need the coverage all that much (good health!).
 
I dont know
I look at those and Scam pops up.
I will stick with the Goverment program.
Good luck
It's overcomplicated as most things government are.
You only get Parts A and B unless you deal with a government approved Medicare Advantage company. When you deal with one of these companies, they call it Part C. Part C generally includes Parts A, B and D, and other perks the company may add like vision, dental, hearing, free meals, rides to an appointment, etc. Funny they say 'to' an appointment, but never mention how to get back home. lol
When Joe exclaims 'It's Free!', it only means the phone call is free. Some people hear the word 'free' and jump like fleas. 'Call' implies you needn't be computer savvy.
Whenever I hear 'call' or 'free', and see saturation advertising, I stay far away. Nothing is free but the air and call connects you to a company salesman.
 
Well, at least old Joe is still alive and kickin. He's found somethin to do with himself and is obviously drawin a paycheck. I say kudos to the old guy. He was one hell of a quarterback.

I don't know about the product he's pushin, but I can tell you from direct experience that Kitty and I have a "gold plan" through Humana. It's a lot better than regular medicare.

It has REAL dental, vision and hearing insurance. For us, with the small exception of my part at like 24 dollars a month it's zero premium. It's like that with me because "supposedly" I went X amount of months with no coverage......thanks Obama. But that'll be over soon enough and then it will be a zero premium plan.

They cover some cool stuff, like the Silver Sneakers plan, that includes free gym memberships, free diabetes testing equipment and supplies, blood pressure monitors for us both, special diabetes shoes once a year and "stuff like that there." We also get ALL of our prescriptions at no cost, as long as they are tier 1 and a LOT of tier 2 are no cost or very low cost. Kitty has one that is 3 dollars for 90 days. All the rest are no cost. Kitty got with the doctor and they went down the list choosing all tier one and no cost tier 2 drugs that work for us. Your doctor should do the same. Also, we each get $50 a quarter no cost over the counter items like Aspirin and other popular pain relievers, cold medications, you name it. It's all mail order through CVS. Also all of our prescription meds are mail order as well and we have the choice to call it in to a local pharmacy if it's something we need NOW. Medicare provided nothing for ANY of that in that last paragraph.

So, I can tell you from direct 100% experience that the Aetna (our present and Humana (kicks in Jan 1st) are NOT scams. What we have dealt with SO FAR has been 100% insurance that has WORKED well "FOR US".
 
I was worried about the "out of network" catch but the agent assured me that any of the major players in the Coeur d Alene / Spokane area are "in". Since I don't travel much, I don't see a problem.

I figure that at my age (72) ANYTHING can happen from here on out.
Go on the medicare website and look at the specifics of that plan. There should be a link that takes you to their network of doctors where you can search to see if the Docs you have are in network. If not, and you like your current Doc, call said Doc and see what they will charge for out of network visits.
If it's an HMO, you're pretty much locked into their network and you need a referral to see a specialist. A PPO allows you more flexibility.
 
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Beware of AM grifters !
Not sure why "Truth in Advertising" is never enforced !
I am surprised I havent heard any adds for the 100 mpg carb yet ... lol
Like mentioned already have a proffessional in the field look over the policy to give you the ins and outs .
 
I assume you are talking about a Medicare Advantage plan?
If so, I'm leaning more towards keeping Medicare and adding supplemental along with a part D.
Because of your very thing mentioned
Advantage plans CAN limit you.
Whereas retaining Medicare and adding a supplemental will allow service anywhere accepting Medicare
And accepting isn't the only problem with Advantage plans.
ALLOWED TREATMENT is as i understand it.
Denied treatment.....
The only caveat is one must obtain that supplemental at the correct time to avoid underwriting.


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Go on the medicare website and look at the specifics of that plan. There should be a link that takes you to their network of doctors where you can search to see if the Docs you have are in network. If not, and you like your current Doc, call said Doc and see what they will charge for out of network visits.
If it's an HMO, you're pretty much locked into their network and you need a referral to see a specialist. A PPO allows you more flexibility.

I've never seen the problem with referrals. If you have a regular doctor, they will refer you wherever you want. We can pick up the phone and call out regular MD and he will make a referral "right then" with no visit.
 
I was at the check in line to a medical clinic. The person in front of me had Humana, I was still working and had regular BC/BS. That person in front of me was having a problem with their insurance. They had to go wait while the desk attendant made phone calls trying to get the coverage details straightened out. I got checked right in. That attendant indicated to me they did not like Humana, putting it nicely. Could have been a one time thing.
 
That attendant indicated to me they did not like Humana, putting it nicely. Could have been a one time thing.

I don't like Humana, either. My wife had it for 2020, and we are getting rid of it. Their network in our area, is too small. It also seems like the left hand, doesn't know what the right hand is doing. I have called to check on how much co pay for a certain procedure, and the answer given is different, then what it actually is. Also trying to find a provider, the refer us to places 60-80 miles away. I have to call around, myself to find someone local. They sent a nurse to us for a evaluation, and the nurse said we needed medication management. the nurse called my wifes primary doctor, and discussed this with him, so the doctor could make the referral. The doctor could not locate a company that accepted Humana, and did this. I called Humana, and they gave me the contact info for two companies. One was about 200 miles away, the other about 30 miles. I gave this info to the primary, and he said the one 30 mile away didn't do med management.
PS: The name of the company is "Humana for Home".
 
I assume you are talking about a Medicare Advantage plan?
If so, I'm leaning more towards keeping Medicare and adding supplemental along with a part D.
Because of your very thing mentioned
Advantage plans CAN limit you.
Whereas retaining Medicare and adding a supplemental will allow service anywhere accepting Medicare
And accepting isn't the only problem with Advantage plans.
ALLOWED TREATMENT is as i understand it.
Denied treatment.....
The only caveat is one must obtain that supplemental at the correct time to avoid underwriting.


.
A supplement plan generally costs you a lot of $$ each month.
 
I went on Medicare/Tricare for Life last January. So far no problems. I have Karactkonis in my left eye and need a hard contact put it. Alternative is a cornea transplant which is three times as expensive and Medicare will pay for that. Eye docs office say Medicare won’t cover therefor Tricare won’t. So, I guess I’ll have a battle in the coming months. Saving grace is with the Covid I’ve been holding off on getting the procedure.
 
Guess it is all about the area you live. I have had Humana Gold PLus or whatever its called for 4 years here in Tx about 45 min N of edge of Houston. No problems for me what so ever, including popping in with a need for a triple bypass open heart surgery 3 years ago.
My part to Humana is $24 a month.
 
I've never seen the problem with referrals. If you have a regular doctor, they will refer you wherever you want. We can pick up the phone and call out regular MD and he will make a referral "right then" with no visit.

He's talking about ending up "out of the network" which means you have to pay them because the insurance won't. It was explained to me, this is a much larger problem in larger areas, because there are simply more outfits (hospitols etc) as well as various doctors, and therefore you can end up "out of network." I've checked, and anyone I've been dealing with is "in" around here.

This appears to be a much worse problem in big urban areas
 
Guess it is all about the area you live. I have had Humana Gold PLus or whatever its called for 4 years here in Tx about 45 min N of edge of Houston. No problems for me what so ever, including popping in with a need for a triple bypass open heart surgery 3 years ago.
My part to Humana is $24 a month.
wow $24 a month! At 62, I'm paying $700 a month through my employers early retirement plan.
does any part of your Soc Sec go to Humana?
 
Keep this info coming.

I've got 5 years, but starting to put info in my memory banks.
 
wow $24 a month! At 62, I'm paying $700 a month through my employers early retirement plan.
does any part of your Soc Sec go to Humana?

He's talking about the prescription plan, or maybe, what he pays on top of what SS already took for what was Medicare
 
Keep this info coming.

I've got 5 years, but starting to put info in my memory banks.
If you have no dependents, are healthy and don't have expensive prescriptions, you might get away with basic Part A and B along with GoodRX.
 
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