Should I switch back to Original Medicare from Medicare Advantage Plan?
Seriously, the copays are going up, I can only see certain doctors, My Rx has finally gone off patents, so now can get generic. The thing is that if swtichback to Original which is 20% copay, but without hassle of HMO, unable - ever for the rest of my life to go back to Medicare Advantage Plan which is strong-arming me and manipulating me with social engineering. But a few docsI went to last year, I was told my copay would've been cheaper with Original Medicare than my current plan for seeing a specialist. Has anybody done this? Please advise! . I'm ready to switch back for 2017. Thanks
I never got involved with an advantage plan because I didn't like the sound of them when I was researching my options but I do have a supplemental plan. The companies that offer supplemental plans have pretty much the same division of services but the costs are different. I have plan "F". It's the most expensive but it pays EVERYTHING that Medicare doesn't pay and includes covering my Medicare deductible every year. I determined that the supplement was best for me because of both my diabetes (insulin dependent) and the fact that I had a heart attack in 2007 and have a stint in place. If anything happens to me I don't want people screwing around trying to figure out where to take me or how to treat me because of some restricted plan I'm on. With my supplement I get all the benefits of Medicare with the added peace of mind that there aren't deductibles or co-pays to worry about. It's definitely worth a little scrimping in other areas for.
Thank you very much for your answer. I didn't even know there was a 'Plan F" . Going to have to google that!
The supplemental insurance plans have plans A through F. Each one offers a different level of coverage and a different cost to you.
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