posted on Dec, 30 2017 @ 10:13 PM
a reply to: Uphill
AGAIN TO CLARIFY:
From Medicare.gov [the official USA Medicare agency]:
What’s a Medicare Advantage Plan?
"You can get your Medicare benefits through Original Medicare, or a Medicare Advantage Plan (like an HMO or PPO). If you have Original Medicare,
the government pays for Medicare benefits when you get them.Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are
offered by private companies approved by Medicare. Medicare pays these companies to cover your Medicare benefits.
If you join a Medicare Advantage Plan, the plan will provide all of your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance)
coverage. This is different than a Medicare Supplement Insurance (Medigap) policy (discussed on page 3)".
If you don't understand what a 'private company' is I can't help you
True, these private insurance companies are supposed to be bound by government Medicare regulations - But still they are private, for profit,
And the problem, as I see it, is that after they sign you up - It is to their advantage to pay out as little as possible!
So they begin by offering you a plan that sounds a lot better than original Medicare ......
But what they may acutally give might be less - And with more grief than you might imagine when it comes time to paying .......
Especially if it is a big bill, for say an extended stay in a hospital.
Under one of these plans I was studying the first few days you might be in a hopital is a lot cheaper than Medicare,
and on Medicare you must first meet a $1,300 dedutible before Medicare covers the rest.........but when it comes for the
insurance company acutally paying what they are supposed to - There, there is where I ran into a problem.
Yes, I did get them to pay eventually - But was it worth the nightmare I had to put up with for almost a year
while they looked for any excuse they could find to avoid payinng ?!?!
edit on 30-12-2017 by AlienView because: (no reason given)