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<blockquote data-quote="farmerjan" data-source="post: 1616515" data-attributes="member: 25884"><p>Just wanted to add this. I had called one of those "free Medicare consultation" numbers and got a call back today. I was going to just tell them I wasn't interested in talking, because I had really wanted to just get a comparison, but the guy was nice and directed me to another agent. So I said okay. He was in Va so had available the information that was relevant to me and my state. Asked what I was interested in knowing. I said I was on Medicare, was 66 and just wanted to do a little comparison "shopping" since I had a friend that went from a more conventional Medicare of part A, B and D with a supplemental plan.... to an Advantage plan that covered it all for next to no actual cost and she got some more stuff like glasses and some dental. So I was curious. He asked what I currently had. I told him Part A, B and D (for drugs) and Plan G. He asked if I smoked, "No" and did I have any current medical issues....diabetes or high BP or cholesterol or anything. No, no and no. I explained that I would be having as ankle replacement, and that a knee was in the future. He said that the average going rate for plan G was in the neighborhood of $90 to $120, so if I was paying 90 or less then I was getting a good rate. Then he said, you have a very GOOD supplemental plan and even though you have no "daily" medical issues, that whoever advised me to go with the plan G gave me very good advice. That my total deductible for 2020 was $ 197 total for the year. Then covered 100%. All according to my part D drug plan I might have to be paying a co-pay but that if I got it on the advice of the same person, that I was in the very best place for my future surgeries. I did not tell him that I was going in to have the ankle in a couple of weeks. </p><p></p><p>He then went on to give me a short explanation of the "advantage" Medicare.... in essence Part C. Said that it costs next to nothing if anything..... good for people who never go to the doctor and can save a person quite a bit of money. That if I was paying about 1,000 a year for my plan G and a couple hundred for the drug plan that I was paying out 1200-1400 a year. For someone who "doesn't use it" that is alot of savings, especially if they have glasses and go to the dentist. BUT...... if something should happen that requires medical care, that the co-pays can run up to about 5-6000 and there are certain restrictions. And, once a person is on the advantage part C, and then they do have a medical "emergency" that requires a fair amount of care.... that there is a good chance they will not be able to switch back sine they would have to meet a certain level; like a health/physical exam; and it is very hard to find an insurer to take someone who has had any health issues, even if it is done and over with..... If they do qualify, the costs would be very high. He said he personally does not write very many advantage plans. </p><p>Then he said, that I was in the best place I could be with the medicare coverage and the supplemental plan I had. He would advise me to stick with it just as it is and DON'T CHANGE ANYTHING. He said it is sort of the "cadillac" of plans, and that all I should do is check with other companies that offer a supplement ins for the Plan G to check on prices since it is mandatory that all insurances that advertise a supplement policy have to meet the requirements that Medicare has for them to be able to offer it as "Plan G" or what ever. Different companies will charge different prices and I might be able to find the same plan at a better price. </p><p>He said I had gotten very good advice and that he encourages people to look at the broad picture. Not just how cheap you can get away with paying each year, but to figure what one incident could cost you and how much it would cost you in total with co-pays and deductibles..... He said that you have to consider the whole picture. He said with paying out say 1200 a year, and not using it for anything that yes, I could save that with an advantage part C..... But it would take 5 years of no claims to come up even, and if I needed it, then that could be wiped out in one trip to the emergency room or even a short hospital stay. Then I would be unlikely to be able to switch to Plan G in the future. He said that with my knowing that in the future that I would be needing some work done on my joints, that I will be getting away very very cheap with the plan I have. </p><p></p><p>So just thought I would throw that out there since it was rather like "FATE" stepping in with that advice, with the subject just coming up here, just recently. </p><p>The thing I like is knowing that I am paying out X amount, and that there will be NO SURPRISES. No continuing co-pays, or deductibles and no restrictions. I can budget it in and be done with it. </p><p></p><p>So, take it for what it is worth.... there was a totally unbiased, unrelated, not going to make a penny off me, consultation. He was a representative of "United health care" (I think that is who he said) so he is getting paid by the company to be a rep and if he sells any policies or anything he probably gets a cut or commission or something.....</p><p>He basically told me the very same thing our ins lady at work said. And he doesn't know me from a hole in the wall.</p></blockquote><p></p>
[QUOTE="farmerjan, post: 1616515, member: 25884"] Just wanted to add this. I had called one of those "free Medicare consultation" numbers and got a call back today. I was going to just tell them I wasn't interested in talking, because I had really wanted to just get a comparison, but the guy was nice and directed me to another agent. So I said okay. He was in Va so had available the information that was relevant to me and my state. Asked what I was interested in knowing. I said I was on Medicare, was 66 and just wanted to do a little comparison "shopping" since I had a friend that went from a more conventional Medicare of part A, B and D with a supplemental plan.... to an Advantage plan that covered it all for next to no actual cost and she got some more stuff like glasses and some dental. So I was curious. He asked what I currently had. I told him Part A, B and D (for drugs) and Plan G. He asked if I smoked, "No" and did I have any current medical issues....diabetes or high BP or cholesterol or anything. No, no and no. I explained that I would be having as ankle replacement, and that a knee was in the future. He said that the average going rate for plan G was in the neighborhood of $90 to $120, so if I was paying 90 or less then I was getting a good rate. Then he said, you have a very GOOD supplemental plan and even though you have no "daily" medical issues, that whoever advised me to go with the plan G gave me very good advice. That my total deductible for 2020 was $ 197 total for the year. Then covered 100%. All according to my part D drug plan I might have to be paying a co-pay but that if I got it on the advice of the same person, that I was in the very best place for my future surgeries. I did not tell him that I was going in to have the ankle in a couple of weeks. He then went on to give me a short explanation of the "advantage" Medicare.... in essence Part C. Said that it costs next to nothing if anything..... good for people who never go to the doctor and can save a person quite a bit of money. That if I was paying about 1,000 a year for my plan G and a couple hundred for the drug plan that I was paying out 1200-1400 a year. For someone who "doesn't use it" that is alot of savings, especially if they have glasses and go to the dentist. BUT...... if something should happen that requires medical care, that the co-pays can run up to about 5-6000 and there are certain restrictions. And, once a person is on the advantage part C, and then they do have a medical "emergency" that requires a fair amount of care.... that there is a good chance they will not be able to switch back sine they would have to meet a certain level; like a health/physical exam; and it is very hard to find an insurer to take someone who has had any health issues, even if it is done and over with..... If they do qualify, the costs would be very high. He said he personally does not write very many advantage plans. Then he said, that I was in the best place I could be with the medicare coverage and the supplemental plan I had. He would advise me to stick with it just as it is and DON'T CHANGE ANYTHING. He said it is sort of the "cadillac" of plans, and that all I should do is check with other companies that offer a supplement ins for the Plan G to check on prices since it is mandatory that all insurances that advertise a supplement policy have to meet the requirements that Medicare has for them to be able to offer it as "Plan G" or what ever. Different companies will charge different prices and I might be able to find the same plan at a better price. He said I had gotten very good advice and that he encourages people to look at the broad picture. Not just how cheap you can get away with paying each year, but to figure what one incident could cost you and how much it would cost you in total with co-pays and deductibles..... He said that you have to consider the whole picture. He said with paying out say 1200 a year, and not using it for anything that yes, I could save that with an advantage part C..... But it would take 5 years of no claims to come up even, and if I needed it, then that could be wiped out in one trip to the emergency room or even a short hospital stay. Then I would be unlikely to be able to switch to Plan G in the future. He said that with my knowing that in the future that I would be needing some work done on my joints, that I will be getting away very very cheap with the plan I have. So just thought I would throw that out there since it was rather like "FATE" stepping in with that advice, with the subject just coming up here, just recently. The thing I like is knowing that I am paying out X amount, and that there will be NO SURPRISES. No continuing co-pays, or deductibles and no restrictions. I can budget it in and be done with it. So, take it for what it is worth.... there was a totally unbiased, unrelated, not going to make a penny off me, consultation. He was a representative of "United health care" (I think that is who he said) so he is getting paid by the company to be a rep and if he sells any policies or anything he probably gets a cut or commission or something..... He basically told me the very same thing our ins lady at work said. And he doesn't know me from a hole in the wall. [/QUOTE]
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