Posted on 07/21/2020 7:33:45 PM PDT by George from New England
If you are on a Medicare Advantage program in Florida, please contribute in this thread what you are happy with, what you are unhappy about, and the plan you current have.
I started in April 2020. I am unhappy with Optimum.
Had a dentist office on the advantage plan call me today. I had made an appointment for the plans included x-rays and exam for this Thursday. The office waited until today to cancel me, claiming something to do with their meeting their monthly quota. I asked for an August appointment and they said no.
We are like commodities that these outfit toss around like toys.
Had a diagnostic test set for last Thursday. The provider canceled as the approval did not come yet from Optimum. The diagostic had been ordered 13 days earlier.
Is anyone here happy with Well Care ?
Optimum is not a good plan. They are very much so into rationing care. Careplus is also not a great provider. Humana Managed is pretty good, and lets docs practice reasonably, united is marginal, but better than the first two. I am speaking as a provider and the hoops they make us jump through to provide care to their beneficiaries.
Your best best is generally straight Medicare A/B with a supplement.
Not in FL but on United/AARP. All regular Dr visits and exams covered 100 percent. Optical coverage paid exam frames and basic progressive lenses. I paid $110 to upgrade lenses. They paid every penny of a colonoscopy.
So far so good. We pay $27.00 a month.
Covid delaying stuff. Insurance companies offices not staffed
Not there but I don’t believe ANY Medicare Advantage program is any good for just about anyone.
To each according to his needs and from each according to his means. I pay a hell of a lot more than that, probably paid a hell of a lot more in as well in my working years.
You are welcome comrade.
I have been with United Advantage for two years. $40/month for dental. So far so good. My doctor would only take United Advantage, so I chose them when I went on Medicare.
Have been thinking about going on an Advantage plan, probably united/AARP. It would be a lot cheaper.
Also hit with extra amount on part b and d because we were working, last year.
Interested in posts here on plans.
$27.00 is the monthly supplement premium
If I am correct, the Advantage plans cost 0. If so, the old adage you get what you pay for comes to mind. The part C costs like 120.00 a month, but it has paid the vast majority of my lung cancer costs. The 30 or less dollars that I pay per month (not really sure because the wife pays the bills) for prescription drugs pays 85% of the prescription cost. So all-in-all I am happy with my choice. Also I have never had any problem seeing the doctor of my choice, and I have never received the kind of cancellation calls you describe.
I don’t live in Florida so I was stunned to learn that not only does the state have high premiums for Medicare supplement plans, but those premiums vary literally by zip code in the same city. I have a friend in Lakeland and her agent told her she would pay a different premium if she moved 10 miles to the other side of town. She is getting creamed compared to my wife and I and her company drags their feet frequently when authorizing tests.
My agent (Kentucky) told me that 50 miles over the river into Indiana I would pay 20% more for the same plan. My brother in FL is paying 50% more than I would for the same plan here in KY.
I have Anthem Blue Cross supplement here and they have been flawless in claims payment. I had them for my individual insurance plan for 10 years prior to Medicare and did not have to fight them for legit claims. Also, then and now, I do not need to beg for permission to see a specialist. That’s what I detest about the HMO style Advantage plans, they ration by making you get permission for everything. I don’t go to the doctor any more than I have to and I damn sure don’t like having to beg for permission to do so.
We have been on Humana Gold Plus HMO for 5 years now and are very satisfied. It is a supplemental plan to regular Medicare and provides prescription, dental and vision coverage in addition to primary care and specialists in the plan’s network. There is NO monthly premium and no copay for PCP visits though specialists are only $35-$45 per visit. Most preferred generic medications are $0 copay for a 90 day prescription. The really nice thing is they REFUND most of your Social Security Medicare deduction ($125 per month) if you are in certain parts of the state. This plan works well if you are reasonably healthy and only need routine doctor visits and don’t need specialty or non-generic medications.
later
I have medigap plan ‘F’... (which isn’t offered anymore)
It pays all medical bills - you can see any doctor that accepts medicare. And you don’t need referrals. I had a 24 hour hospital stay some months back and everything was covered - no co-pays, nothing.
“Your best best is generally straight Medicare A/B with a supplement.”
I tried to talk my parents to get back into that, they haven’t listened yet (this is dealing with another state, but I suspect it’s no different - go to Advantage, and your plan weakens...but it is cheaper, as I understand it).
What lacks is the ability to compare advantage plans, side by side. The industry doesn’t want that anymore than the auto insurance industry does.
Keep the customer paying and guessing.
Has anyone here had any experience with ?
Southern-Owners Insurance Company aka Auto-Owners Insurance Group ?
I have the new pcp Florida Blue value plan. If you mainly stick to the counties it’s covered in it’s a good deal so far.The fella at blue cross told me however if I do go out of the covered counties, if the doctor takes any kind of blue cross chances are it will be accepted, I’ve had nothing turned down so far. The plan includes dental, vision, hearing and you can get 50.00 worth of stuff from their drug store 3 times a year at no cost. (My spouse has it too so that’s 100 worth 3 times a year.) My only gripe is they do not cover a brand drug I’m on, they try to steer you to generic. But overall I still come out ahead. 10 copay at primary and 45 for specialists. Zero copay for preventive care including blood tests, xrays, etc .
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