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7% Saline Success Story that warmed my heart.

MAC & Bronchiectasis | Last Active: 24 minutes ago | Replies (120)

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@blm1007blm1007

It appears you are on a State Plan that is an Advantage Plan and not a Supplement Plan.
It appears you are in a State Advantage Plan and chose not to be insured with the Original Medicare Plan and it appears that is why you do not need to show your Original Medicare Plan Card.
Those of us on a State Plan in OK can be on the Original Medicare Plan they choose and have the Supplement Plan at the same time or they can be on the State Advantage Plan and no longer have the Original Medicare Plan coverage. In other words the Supplement Plan keeps you in the Original Medicare Plan of your choice ( I have plan G). The Supplement with the Original Medicare Plan works together. The Original Medicare Plan as the primary plan and the Supplement plan as the secondary plan. One of the big differences is who gets to chose where you can go for medical help and who you can see as a doctor, hospital or clinic etc.
The Original Medicare Plan allows you to go anywhere. to see any medical professional in the US that accepts Medicare and in many cases you don't need referrals from a primary doctor if you want to see a specialist. Generally one of the other big differences that usually comes into play is the costs of a hospitalization and the deductible costs for the hospital stay.
There is so much to really understand when it comes to insurance, as we know.
The costs, as with almost everything, of insurance plans are also a big factor when it comes to deciding.
Hope this and Sue's reply has helped anyone who needs to decide at age 65 when it is time for Medicare sign up.
Barbara

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Replies to "It appears you are on a State Plan that is an Advantage Plan and not a..."

I made the mistake of doing one of those 'supplement' plans and it almost killed me! I needed to get on tobi and the rx plan I was under did not cover it! Took me 6 weeks of fighting with the all kinds of offices to get off of it and then finally I got my meds!

Yes, mine is a State of GA Advantage Plan PPO. I can get care wherever I want to go even traveling. I do not have to get approval either when I want/need to see a specialist. My Tobi was approved in one day and I had it within 3 days of my Dr. ordering it. I have never been turned down for any meds or services. I guess I am indeed very lucky to have such great medical in retirement. Of course, during my working career, I made sure that I chose jobs according to the medical benefits and retirement, not the salary. I just received a statement from Anthem for the end of January. There are 3 levels of drugs. I am in just one month on level 2 and after they get the bill for Tobi will be on the catastrophic drug level by the end of February. They said that all drugs will be free from here on out until the end of 2025.