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c6g c6g is offline
 
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Anyone have a Medicare Advantage plan?
Old 08-02-2019, 09:12 AM
 
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I've been investigating Medicare plans--not there yet, but getting close. My state's retirement system pays part of the Medicare premium, but does it only with Medicare Advantage plans. If we want traditional Medicare with a Medigap plan, we're on our own.

I've read mixed reviews about Medicare Advantage plans. If you have one, are you happy with it?


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Aetna Educators Advantage Plan
Old 08-02-2019, 10:31 AM
 
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Our state's plan is Aetna Educators Advantage Plan. We do have the option of choosing other plans such as traditional Medicare with Horizon 1525. I did not go that route when I became Medicare-eligible this past July because I did not want the slightly higher co-pays, and my doctors accept Aetna's plan.

Recently, I needed to go to an urgent care to get some stitches in my foot. There was no problem with receiving a tetanus shot and getting the cut closed up for the $10 co-pay. When I made my dermatologist's appointment and gave them the new insurance info, they took the plan, as well. The important thing is to see what your doctor's accept. My other friends who have been in the plan longer than I due to an earlier retirement date have had no problems either. I like just having to present the one card to the doctor and having Aetna totally handle the bill.

There also is an open-enrollment window each year, so if you go with the state retirement plan and hate it, you can always switch to something else at that time.

When our state's retirement system left traditional Medicare in favor of the Aetna Educators Advantage plan, there was a lot of hysteria and skepticism. i could certainly understand people with pre-existing medical conditions wanting to continue with the earlier Horizon plan even with the higher co-pays, but I was willing to give Aetna a shot. I now understand that Horizon is giving people who use chiropractic and accupuncture care trouble because they funneled the management of those providers to an outside company. So, you just never know.

The important thing is to educate yourself and do what you feel is best for you and your family. There also might be informational meetings or videos and/or an insurance broker who could clarify different options for you.

I hate dealing with insurance, so I'm hoping Aetna continues to work for me.
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Old 08-02-2019, 11:02 AM
 
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I have a Medicare Advantage plan and itís fine. However, I havenít had any major illnesses in the 3 years since I retired.(knock wood)

DH had Medicare Advantage when he was diagnosed with cancer and dementia. I didnít spend 1 cent on his medical care for the entire 15 months he was ill.
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Old 08-02-2019, 11:04 AM
 
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I have traditional Medicare and a supplement as that is what my retirement plan provides.

When my husband needed a plan we looked at Medicare Advantage plans. We ended up choosing Medicare and a supplement that is similar to mine.

One thing to consider is whether or not you become a snow bird. The Medicare Advantage plans we looked at had geographical restrictions.
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Old 08-02-2019, 06:49 PM
 
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I'm not old enough yet for Medicare, but my husband just qualified. He went on the Medicare Advantage PPO plan through my state retirement system. They offer an HMO plan, too, but we picked this one (more expensive) because he is supposed to be able to see any doctor who accepts Medicare. It's through United Healthcare (as is my regular insurance). So far it seems okay, except they denied paying for one of his prescriptions at first, but have now approved it. So hopefully it will cover everything from now on.


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Medicare plans
Old 08-02-2019, 09:53 PM
 
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We were also advised about the geographical restrictions on Medicare Advantage plans when my husband talked to a specialist recommended by our financial advisor. We live in a very rural area w properties in 2 states, so it was not the best choice for DH. Our state retirement does not offer anything like what previous posters mentioned.

DH chose to go with traditional Medicare with Mutual of Omaha supplement.

If you havenít, I would highly recommend you talk to a specialist in senior insurance. I was impressed with ours - what an education, and he explained everything so clearly. He is paid by insurance companies and told us his compensation rates are predetermined across the board for all the companies, so there is no pushing for one particular company.
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We have an Advantage
Old 08-05-2019, 08:06 PM
 
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Plan. It has worked out very well for us. We've been out of pocket flat, pre-set co-pays and the plan covers the rest.

It is part of a local hospital's corporation. I believe if we get sick while traveling they will arrange for us to be transported to the local hospital.

We've been referred to and covered when going to Stanford University Medical Center for specialists. We had to pay our own motel bills while there.

You might check what all is included in the plan's coverage. Some of my friends use other insurance because of drug coverage for their expensive medications. Our plan wouldn't be nearly as generous for these meds.
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Old 08-06-2019, 04:11 AM
 
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Thank you for your great responses! You've mentioned some excellent questions, issues, and concerns, and I'll keep them in mind as I study the information packet that's due to arrive soon.
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