Hi Deductible Plan F vs Plan F, or other Med Supps

[junkman]

Most all Med Supp clients on HD F, and, most agents, don't realize that it will take a big claim to hit the $2240 mark.

Anyone who understands insurance should know. Ie, in the hospital with approximately $5000 in part b claims would do it. One hip replacement for example probably wouldn't. Two in the same year would as would a hip and knee.

One stroke with recovery might not but could. What a deal!!! $100,000 of services for $2800 in TN. A G would only cost $1400 or $1500 if young. Numbers change with age. Best thing is have enough cash regardless , exercise and stay healthy.

 

[goillini52]

Anyone who understands insurance should know. Ie, in the hospital with approximately $5000 in part b claims would do it. One hip replacement for example probably wouldn't. Two in the same year would as would a hip and knee.

How about a knee and an elbow?

 

[sshafran]

Although as I think about it, don't you need to include the Part B premium in your comparison?

Nope.

Why would you? Does it change when you change med supp plans???? (Answer: no).

 

[sshafran]

Nope.

Why would you? Does it change when you change med supp plans???? (Answer: no).

Shall we include the going rate of gas for the week as well?

 

[junkman]

How about a knee and an elbow?

Only if admitted twice. Doc will do 2 knees at once. Not hip and knee even if on different sides. Probably not a knee and elbow because you need your elbow to walk - with a walker.

 

[LostDollar]

Nope.

Why would you? Does it change when you change med supp plans???? (Answer: no).

the correct answer is yep, not nope.

 

[LostDollar]

Shall we include the going rate of gas for the week as well?

not as long as you include the pdp cost.

 

[goillini52]

Nope.

Why would you? Does it change when you change med supp plans???? (Answer: no).

LD's correct, because Luke was talking about comparing what he pays now for U65 to what an old fart pays when they have Medicare and a Med Supp with a PDP. As an old fart, I can tell you that I'd much rather pay for Part B, a Med Supp and a PDP.

 

[sshafran]

Haha, got it. It was a side conversation. Not related to the med supp decision. Too many rabbit trails....

 

[junkman]

LD's correct, because Luke was talking about comparing what he pays now for U65 to what an old fart pays when they have Medicare and a Med Supp with a PDP. As an old fart, I can tell you that I'd much rather pay for Part B, a Med Supp and a PDP.

I'm almost an old enough fart to get A&B. Been door knocking turning 65 out in the country. "Hi, I'm ... and bought a list of old people aging onto Medicare. You're on that list. The short version is that Medicare only covers about 80% of the bills. Wanna talk about what to do about the 20%?"

It's hard to catch people home but those that are generally want to talk and no one has gotten mad that I show up at their door uninvited. I ride my bike on the weekend and am trying to figure a better time than during the week without giving up my play time on the bike.