@LostDollar -- My Medicare and You book (Kansas) shows a UHC choice plan. Under OOP it says $3,900/$10,000. What does that mean? The Choice plan is a PPO, and it means if you stay in-network, your OOP is $3900. It's $10K for in- and out-of-network combined.
For those of us that have moved on beyond T65, what does the cheap GTL Hospital Indemnity Plan cost when you get up to the 78-80 age range? (I happen to be of an age with Rousemark.) For KS, to cover the $250/day five-day inpatient copay, $250 outpatient surgery benefit, and $300 ambulance, looks like $44.05/mo for a 78-year-old. I'm paying something like $26 since I started at 65. (Side note: Air ambulance rides incur the same copay as a trip across town on the ground. That's cool.)
GTL Hospital Indemnity Plan again, how long does it take for the benefit to reset after use? Say I go to the hospital 4 times in a row with spacings of 30-45 days between admittances--how much coverage do I have for my 4 visits under the GTL plan you are talking about? The benefit matches up with Medicare benefit periods. From the Definitions section of my policy, it states:
One Period of Confinement: Relative to the Hospital Confinement Indemnity Benefit, with respect to the Hospital Confinement Maximum Benefit Period, One Period of Confinement begins when You become Hospital Confined. One Period of Confinement ends when there has been no additional Hospital Confinement for sixty (60) Days in a row whether or not the number of Days in the Hospital Confinement Maximum Benefit Period have been paid.
With UHC Dental, it is important to note that the degree of benefit one might obtain from a $2,000 policy will depend on the network. In my area, (my quadrant of my metropolitan area), dental professionals accepting the UHC standalone plans are quite limited. Also, the UHC allowed amounts are less than allowed amounts for BCBS (and likely for Delta). The net effect being that the real life benefit provided by a $2K UHC MAPD dental coverage may not be what someone expects when they hear $2K of dental coverage. That would be true of any MA plan's dental coverage that uses a network. I can say that in my part of TN, there is a decent group of dentists who are par. Also, don't forget that network negotiated prices are lower than street. For example, an extraction that would be $95 for someone with no insurance might be $50 for a participating dentist. So that $2K dental benefit may well be worth something like $3K-$4K in walk-in-off-the-street fees.
MAPDs are not for everyone, but are growing hugely in popularity. When I started doing Medicare stuff 15 years back, probably 75% of my book was Med supps plus PDPs. I recently checked my database and now it's 83% MA. More and more providers are signing on since to refuse is peeing against a tidal wave.
You said it correctly . If an agent refuses to embrace mapd in 5 yrs his book will be shredded and his pool of new clients small . With the Gtl plan from my understanding if you have 5 days and use 2 then you have 3 days left in your 60 day period . It resets every 60 days . I'm selling 5 new to Medicare in next 8 days and I'm pushing mapd with a Stacked hospital rider including cancer rider . We all had ppo's out entire lives . All of a sudden it's not good enough for over age 65 . I believe in the product .