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We miss our Mayo Phoenix... Ever since Medicare kicked in
Visiting Mayo Clinic | Last Active: Nov 10, 2022 | Replies (37)Comment receiving replies
@vic83. You wrote: "I am sure I am not allowed here to express what I thought of such a process! All these healthcare plans are not choice THEY ARE CONFUSION!"
When I began looking at Medicare I already knew I would go with Traditional Medicare as I did not want yet another insurance company demanding pre-authorizations or now allowing me to leave the local rural area for medical care. Still, it took many months of research to decide on which insurance company's Medigap plan I would choose (all the plans are the same, it's the cost and ease of working with the company that is different) and which Prescription Plan (Part D) I would choose.
I said many times that figuring this out is not for mere mortals like us. Confusion is right!!
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You are so right. I don't want "choice of insurance carrier" I want coverage. These plans are screwy sometimes. It is necessary to research because there are some not well understood glitches. Like if you go originally with Advantage and then want to switch to Traditional, will you pay more for that Medigap policy later - that is because you are older. Medicare has defined these plans and assigned a letter to each type of Medigap plan to help one compare apples to apples 9not to confuse with Parts A, B, C, D).
Part D drug plans are the real devils. I ended up paying $800 more this year for drugs because I did not see the "small" print. That is the plan I chose had the Tier 1 and Tier 2 drugs subject to the deductible whereas other plans WITH CHEAPER PREMIUMS did not. I had not been taking many drugs so not too attentive and then I began to have medical issues and started taking more drugs. And somebody tell me why one plan says the retail price for a drug is $200 and another plan says the retail price is $35 for the same drug. So, if they charge you a specified % of retail price they still make you pay what they want.