I was awarded disability a few years ago and realize I have been paying 20% on all visits out of pocket. I have to pay 100% out of pocket for my LLMD visits but thankfully am doing well, so don't have to see him more than 1x every 2-3 months.
I have original medicare and just changed my drug plan to AARP Rx Preferred, which seems to cover most antibiotics.
Is there an HMO or PPO that covers more than Original Medicare? Seems most of them require a 10-30$ copay for Dr. visits, which is good, but the Drs you can see seem very limited.
I am in Southern California.
Anyone out there in a good HMO or PPO under medicare that you can recommend.
Guess the other option would be to get a gap policy but then I have to pay that monthly premium in addition to the health premium. So many options it makes me dizzy!
Thanks for any help or suggestions!
Posted by springshowers (Member # 19863) on :
I asked exactly this about a month ago.
I got all answers to STAY WITH THE ORIGINAL Plan .. by every poster!!..
..
Posted by Myco (Member # 9536) on :
Thanks. That is very helpful!
Did you do a medigap also?
Posted by springshowers (Member # 19863) on :
No But only because I already had insurance prior to medicare so that is my "secondary" which in turn is the same as gap..for the most part..
And that secondary is where I get my script coverage too... so that saves me from getting the script plan..
Posted by Myco (Member # 9536) on :
Any other medicare patients out there?
Posted by back2game (Member # 23927) on :
I have Medicare only and pay the 20% since any secondary insurance for people under the age of 65 is just too expensive. Once you reach that age, policies will be much cheaper, per AARP rep. I also have AARP RX Preferred, just joined, hope it's good.
Posted by Snailhead (Member # 18091) on :
I had purchased my Medicare part D plan (prescription only) last year after much research. My specific goal was to find a plan that would cover IV Rocephin, which I did. It was Humana. I paid an extra $100. per month, but knew I was going on IV. They paid. If you need any further info let me know.
Posted by Abxnomore (Member # 18936) on :
Stay with the original plan.
But buy a medicare gap policy to cover the 20% that isn't covered. Getting into a medicare HMO plan will severely restrict your choices.
Then you have to choose a medicare part D prescription plan, as well if you want prescription drug coverage. It's not a fabulous plan but better than when there was no drug coverage at all.
Posted by Tracy9 (Member # 7521) on :
I have Medicare, and for prescriptiions I have Silver Script. I didn't pick it, they chose it for me. It has covered most drugs, not everything. I have Medicaid as a backup. It won't pay for anything Medicare denies, but it does pay for IVs Medicare denies. It covers all the copays though.
Silver Script has been good, hardly anything has ever come up as not covered.