InsuranceGuy29
Guru
- 916
lol. I only kid. Supplements are good too. I just love ruffling some feathers.
Explaining MAPD vs Supplement
- Thread starter jack3454
- Start date
lol. I only kid. Supplements are good too. I just love ruffling some feathers.
Or, you could say...Be ripped off every single month, or just pay as you use. Sorry, I love having fun with my med-supp-only friends in here.
Do you want your doctor running your health care as you age, or an insurance carrier or algorithm?
I guess one could say 'None of the above.'.. but that would go against the talking points of the government run healthcare zealots ...
So...who would you want managing your health care?
If OM is considered govt run healthcare, then I'm all for it. I'm tired of networks and pre auth BS. Neither required under OM
People manage their own healthcare...
Try these:
-There is a reason some call MAPD "Medicare Disadvantage." That gets their attention.
- When you enroll in an MAPD plan, you effectively transfer your Original Medicare to membership in the plan. The plan (i.e. insurance company) is then responsible for your benefits and payments, NOT Medicare.
- As long as you are enrolled in an MAPD plan, you cannot use Original Medicare for anything. Plenty of folks don't realize this.
- You can always go back to Original Medicare during AEP, but you are not always guaranteed issue of a Medicare Supplement. You could be stuck in MAPD plans for a long time.
- A low premium on MAPD can be a high-price to pay for large OOP exposure and cheap dental and vision coverage.
MAPD Alternative: If price conscious and not afraid of co-pays, why not enroll in High-Deductible F or G instead? 2025 deductible of $2,850 is less than the OOP for every MAPD in may region. Plus remember, A and B still pay first....you're not "out" the deductible on those benefits. And you can still go to any provider accepting Medicare anywhere in the U.S.
I've got clients who go to the Mayo Clinic from Maryland each year. I had another in VA with serious throat cancer who got treatment at Sloan Kettering in NYC. Both places take Medicare all day, every day. Try doing that with your average MAPD.
-There is a reason some call MAPD "Medicare Disadvantage." That gets their attention.
- When you enroll in an MAPD plan, you effectively transfer your Original Medicare to membership in the plan. The plan (i.e. insurance company) is then responsible for your benefits and payments, NOT Medicare.
- As long as you are enrolled in an MAPD plan, you cannot use Original Medicare for anything. Plenty of folks don't realize this.
- You can always go back to Original Medicare during AEP, but you are not always guaranteed issue of a Medicare Supplement. You could be stuck in MAPD plans for a long time.
- A low premium on MAPD can be a high-price to pay for large OOP exposure and cheap dental and vision coverage.
MAPD Alternative: If price conscious and not afraid of co-pays, why not enroll in High-Deductible F or G instead? 2025 deductible of $2,850 is less than the OOP for every MAPD in may region. Plus remember, A and B still pay first....you're not "out" the deductible on those benefits. And you can still go to any provider accepting Medicare anywhere in the U.S.
I've got clients who go to the Mayo Clinic from Maryland each year. I had another in VA with serious throat cancer who got treatment at Sloan Kettering in NYC. Both places take Medicare all day, every day. Try doing that with your average MAPD.
Pretty sure the MAOs will be along soon to argue about all this but .... tough titty said the kitty.
As long as you are enrolled in an MAPD plan, you cannot use Original Medicare for anything. Plenty of folks don't realize this.
There's actually one except to this and that's hospice.
MA plans do not cover hospice. Hospice is covered under Part A of Original Medicare. But why Part A when part A is for the hospital?
When a person goes on hospice, the hospice company you sign up with becomes your hospital. In fact, all hospice companies make you sign a contract that states that should you decide to go to a hospital, your hospice contract is voided.
In other words your hospice company becomes your doctor, your hospital and your nurse. That's why it's under A and not B.
sbg_ben
Guru
- 296
This is pretty much exactly what I say
How does plan n compare to highdedG in price
not sure about other states, but in Florida HDG is roughly a third of the price. $125/mo difference give or take
