Posted on 10/16/2017 10:22:54 AM PDT by knarf
Help her pay for her serious dental issues?
Yes, my brother & I are helping her out :)
I had two doctors tell me I needed a particular test, which I had. Medicare denied to pay for the office visit and the exam. My supplemental plan only contributes payment if Medicare covers some of it.
My doctor’s office said that this is happening to many patients because Medicare is just arbitrarily deciding now to cover certain things, but that I could appeal to Medicare if I wanted to. They said it probably wouldn’t be worth it because the gov’t holds all the power to say what they will pay for and what they won’t.
I asked, Before any treatment/test, do I need to call Medicare and verify that it will be covered? Answer: If you want to be sure, yes.
Gov’t healthcare for Seniors = NO Choice.
THANKS for starting this discussion/education!
I'd rather have FReeper input
I have a plan with Humana - zero premium, though I pay the Part B premium, as we all do. Low copays, though they’re a tad higher if I wind up using an out-of-network doctor. $10 in-network, $30 out-of-network. But they do cover most out-of-network doctors at least.
$30 copay if I see a specialist.
There’s an annual out-of-pocket ceiling of $3,400 in-network. Out-of-network is $5,100 in-network/out-of-network combined.
They have several other plans that they charge a premium for but this one works for me. I’ve been fortunate to be blessed with good health and a strong immune system and rarely go to a doctor. But if something crops up, I have this to fall back on.
They sell sub marginal insurance plans and old cell phones and make their money on endorsement kickbacks.
Medicare is included in below:
The one thing that does not get discussed or a lot of press is that the way that the system is designed.
There is not a lot of money left in America, the underclass is financially impoverished. The middle class is shrinking and the upper classes don’t participate.
There is, however a large pool of assets in the middle class and some in the lower and underclass that can be grabbed.
The way this system works is that the medical industrial complex works with the insurance complex and the overreaching government to set price points.
Price points on how much the medical industrial complex charges, and price points on how much the insurance charges. The government is the enforcer.
Insurance price points include the asset busting deductibles.
As insurance price points increase, and medical costs increase, and the government continues to say who gets what, the middle class can no longer afford insurance and they are dumped into Medicaid.
Medicaid pays everything, but is not free but instead dissolves assets to keep the whole ball going.
Anyone with assets this country who cannot bow out of the system will be getting robbed.
Whatever happens with the insurance, it is going to be a middle class asset grab. The millennial will have their inheritances used to prop up healthcare and insurance and of course the government.
We are in Michigan and have Priority health medicare. It’s part c and drug coverage, costs an extra 122. a month for each of us. This is our first year and we haven’t had any major heath issues so, so far so good. We saw an agent who helped us through the maze. She was a big help.
Good stuff, thanks for posting, CS.
Good to know - we still use the Base for a lot of care and they farm some things out to local hospitals in a coop type deal where each learns from the other and some equipment can be co-used.
BKMK
just to get it back in front of people
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