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Re: Oh Wise Wons, Navigate Newbie Thru Medicare Morass/Fiz

By: Fiz in 6TH POPE | Recommend this post (0)
Tue, 13 Jun 23 6:59 PM | 45 view(s)
Boardmark this board | 6th Edition Pope Board 		Msg. 43470 of 58549
(This msg. is a reply to 43466 by micro)
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Thanks for the response, Micro. Those are definitely things to consider.

Maybe I am worrying too much, but it isn't in my nature to buy something really vital, which has LOTS of legalese in the contract, and not worry about the specifics.

That I travel around a lot, for prolonged periods of time, just made a straight HMO dicey. But even with a PPO there is "out of network" and, it appears, REALLY out of network. So, the PPO plan I am considering to deal with being out of network, doesn't even recognize the major university related medical group in the area I am visiting. All they could say is "choose this hick regional hospital". Well, that spills over to the individual providers, as well. I'm not looking for a hospital right now, but I would like to find a trustworthy basic doctor I can develop a relationship with in case I ever have a real need.

It seems suspicious to me that the major companies I have experience with don't have an App where I can just type in a zip code, and maybe a specialty, and they will give me a list with phone number and deductible, based upon my plan. It's like they are going out of their way to remain opaque.


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The above is a reply to the following message:
Re: Oh Wise Wons, Navigate Newbie Thru Medicare Morass/Fiz
By: micro in 6TH POPE
Tue, 13 Jun 23 4:03 PM 		Msg. 43466 of 58549


I went with AETNA for a few reasons. One is that they are ownded by CVS and there are extras that you get with that, such as getting $300, every quarter to spend on anything that is on CVS's medicare booklet of all kinds of things they sell and stock. That is per person so if itis a two person household, you BOTH get $300 to buy all kinds of things you want at no cost to you.

For example, we have bought an excellent blood pressure tester, some great modern thermometers, and then of course all the first aid stuff, toothpaste, ibuprofen and acetamenophen, baby aspirin, lidoaine pain creams ya rub in, and too many other things to mention. PLus, it costs us nothing for that plan.

You can BUY some supplental coverage with aetna's plan which we did because they are reasonable and I have used them several times already.

Hopefully some of these things we will never have to use but if we do, at least the out of pocket costs will be almost zero..

We have an HMO plan because our hospitals and doctors are already enrolled in it and take this.

I looked at the Humana plan as well but I like this Aetna one better. I can use it anywhere in the United States.

So, that is what we use. We like it and CVS is pretty much everywhere...

I have a supplental policy from Continental Life, (a division of CVS) that pays for my hospital room charges after the first five days. In my case, it came in handy as I have used this benefit on the supplement three times now...

So, WELCOME to the CLUB of OLD FARTS on Medicare and the supplement plans!

I would be happy to answer questions if ya has some I can answer....

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