tigertodd213
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What are some best practices to market a Part B giveback Medicare Advantage product?
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What are some best practices to market a Part B giveback Medicare Advantage product?
What are some best practices to market a Part B giveback Medicare Advantage product?
One of the "horror stories" I see discussed in MA threads is the idea of catching cancer in the last quarter of the year which leads to back to back, winter and spring oop charges for chemotherapy. How far does $24K go in a situation like that?
It seems to me like anyone with a financial base below a minimum of $1M-$3M is risking some serious financial loss with an MA plan.
One of the "horror stories" I see discussed in MA threads is the idea of catching cancer in the last quarter of the year which leads to back to back, winter and spring oop charges for chemotherapy. How far does $24K go in a situation like that?
It seems to me like anyone with a financial base below a minimum of $1M-$3M is risking some serious financial loss with an MA plan.
Just signed up someone today with a $3,100 MOOP. You sure about your statement?
He's just here passing time. Ignore what he posts. I've done that and it's much easier than trying to teach him.
Rick
Chazm has said many, many, many times that FL is different than the rest of the US. So my questions below relate to outside of FL.
In states other than Florida, once one has contracted cancer, is it possible to shift back from an MA plan to a Med Supp plan?
If the answer is yes, then my post above is based on an invalid assumption. If the answer is no, then the next question is-What amount of money does someone stuck on a high annual oop MA plan need for deductibles and out of network costs for the rest of their Medicare covered life span of 20-30 years?
My numbers above may be high for a minimum figure, but I would be pretty sure a $24K reserve is not going to cover 15-20 years of MA oop's and out of network costs.
And (again outside of FL) What kind of exposure does the MA plan leave the patient for potential out of network costs for things like heart conditions, diabetes, joint replacements, eye surgeries, cancer and whatever other kinds of medical conditions the senior body incurs that may have complications requiring going outside the specific MA network?
Also, are MA plans more restrictive on drugs than PDP plans? That is something I don't remember seeing any discussion about.
Then when you get to the MA part B kickback plans which were the subject of the thread, do they become even more restrictive in regard to network providers and covered drug costs?