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Old 02-26-2021, 01:20 PM   #1
Geezy Rider
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Default Calling All GOFís, Medicare ???ís

Here in the next month or so, Iíve got to sign up for Medicare so Iím looking for some insight from the TBH GOFís due to their wisdom and experience in this area.

It looks like Iíll have to sign up for parts A & B, that seems simple enough but here lately Iíve been inundated with daily flyers, emails, phone calls and ads touting supplemental Medicare insurance for parts D-Z, or so it seems. Itís all confusing to me.

Iím sure that Iím going to get a supplemental insurance to cover what parts A&B donít cover.
So the question is, which one?
Is one any better than another?
Are there any warnings or pitfalls I need to watch out for?
I have some pre existing conditions, does that affect what I can get?

Alright oh wise ones, fill me with knowledge.
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Old 02-26-2021, 01:24 PM   #2
Goldeneagle
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Do your homework on the supplemental's to see which one better suits you. My wife has Humana and has better coverage than I do here at work.
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Old 02-26-2021, 01:27 PM   #3
texan4ut
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I have a Humana Advantage plan. I think I pay 35.00 a month. Have been pleased with them.
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Old 02-26-2021, 01:28 PM   #4
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Are you still working and have coverage there? Or, are you retired?

I turned 65 last month and I'm forgoing A&B till next year or so as I'm still working and get a decent amount added to my HSA from my company. Can't put into an HSA and be signed up for Medicare at same time.
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Old 02-26-2021, 01:29 PM   #5
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Quote:
Originally Posted by texan4ut View Post
I have a Humana Advantage plan. I think I pay 35.00 a month. Have been pleased with them.
What is your out of pocket max per year?
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Old 02-26-2021, 01:31 PM   #6
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Your part D is prescription coverage which if you have chronic meds certainly would be worth it
I’m not a GOF just yet but certainly interested in hearing feedback on this cause I’m headed in that direction
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Old 02-26-2021, 01:32 PM   #7
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For all you that turn 65, YOU HAVE TO SIGN UP FOR MEDICARE.
I got penalized because it didn't sign up within a certain time period.

Charged $467. I think you can delay to activation(not sure) but you need to sign up.

BTW, I'm no help, I'm still in a quandary a year later.
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Old 02-26-2021, 01:39 PM   #8
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Our preference is Part A & B and regular Medicare Part G with Mutual of Omaha and Part D (prescription drug) also with Mutual of Omaha. The Advantage plans look and sound tempting and are less expensive, but can be problematic down the line. Our coverage has been awesome. Example....My wife got a total knee replacement in September. It did not cost us anything.....nothing out of pocket.

There is a company in Ft. Worth called Boomer Benefits. They are very helpful. They will counsel and help you.

There is no charge to you for their services. They are getting paid by the insurance companies. They will help you find the best, most economical plan for your needs. My wife uses them.

https://boomerbenefits.com/?gclid=Cj...xoCbQYQAvD_BwE

I had already got hooked up with any guy that does the same thing. He is great too and offers the same services. His name is Charles Bradshaw.

https://www.medicareanswercenter.com/

Both of these are Medicare experts.
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Old 02-26-2021, 01:55 PM   #9
WCB
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Quote:
Originally Posted by hpdrifter View Post
For all you that turn 65, YOU HAVE TO SIGN UP FOR MEDICARE.
I got penalized because it didn't sign up within a certain time period.

Charged $467. I think you can delay to activation(not sure) but you need to sign up.

BTW, I'm no help, I'm still in a quandary a year later.
I contacted Medicare, SS , my company benefits people and have been told (and have it in writing from medicare.gov) that if I currently have coverage I do not have to sign up now and can keep adding to my HSA. I would have to stop adding at least 6 months before signing up or be penalized for the HSA contribution.

Are you saying this is not correct?
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Old 02-26-2021, 02:00 PM   #10
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Quote:
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What is your out of pocket max per year?
Not real sure. I would have to go back and look at my last statement. It's not bad at least or me as I am on several meds two are expensive if I had to pay for them all by myself.
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Old 02-26-2021, 02:07 PM   #11
Geezy Rider
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Quote:
Originally Posted by WCB View Post
Are you still working and have coverage there? Or, are you retired?

I turned 65 last month and I'm forgoing A&B till next year or so as I'm still working and get a decent amount added to my HSA from my company. Can't put into an HSA and be signed up for Medicare at same time.
I retired back in December. Started the new year a free man. So to speak. ��
I had to sign up for some cheap insurance to cover me till June when I turn 65.

Last edited by Geezy Rider; 02-26-2021 at 02:09 PM.
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Old 02-26-2021, 02:10 PM   #12
Geezy Rider
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Quote:
Originally Posted by Arrowsmith View Post
Our preference is Part A & B and regular Medicare Part G with Mutual of Omaha and Part D (prescription drug) also with Mutual of Omaha. The Advantage plans look and sound tempting and are less expensive, but can be problematic down the line. Our coverage has been awesome. Example....My wife got a total knee replacement in September. It did not cost us anything.....nothing out of pocket.

There is a company in Ft. Worth called Boomer Benefits. They are very helpful. They will counsel and help you.

There is no charge to you for their services. They are getting paid by the insurance companies. They will help you find the best, most economical plan for your needs. My wife uses them.

https://boomerbenefits.com/?gclid=Cj...xoCbQYQAvD_BwE

I had already got hooked up with any guy that does the same thing. He is great too and offers the same services. His name is Charles Bradshaw.

https://www.medicareanswercenter.com/

Both of these are Medicare experts.
Iíll check this out, thanks.
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Old 02-26-2021, 03:06 PM   #13
Mudslinger
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Wife nad I have the A&B and prescription coverage that cost us maybe $2 per prescription if that for generic. Supplemental we have Southern Guaranty Ins, which may be more expensive, but with all I have had to go thru with surgeries and Doctor visits, my costs have been ZERO at the hospital. Ins. covered everything!

We used a gentleman out of Winters for his expertise in Medicare and especially the supplemental. We got the best that was offered for what we needed.
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Old 02-26-2021, 03:21 PM   #14
WCB
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Quote:
Originally Posted by Mudslinger View Post
Wife nad I have the A&B and prescription coverage that cost us maybe $2 per prescription if that for generic. Supplemental we have Southern Guaranty Ins, which may be more expensive, but with all I have had to go thru with surgeries and Doctor visits, my costs have been ZERO at the hospital. Ins. covered everything!

We used a gentleman out of Winters for his expertise in Medicare and especially the supplemental. We got the best that was offered for what we needed.
No out of pocket max or deductible?
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Old 02-26-2021, 03:26 PM   #15
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PM sent
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Old 02-26-2021, 03:30 PM   #16
Mudslinger
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Quote:
Originally Posted by WCB View Post
No out of pocket max or deductible?
Nope on deductible, not sure about maxout.

We have had visits with a new family Doc and I had major shoulder surgery in Nov and have never paid a dime that i know of, unless the wife did, but I do not think so.

You do not need supplemental, but that is where you will pay for sure!
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Old 02-26-2021, 04:42 PM   #17
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Quote:
Originally Posted by WCB View Post
No out of pocket max or deductible?
OK, the supplemental plan we have covered the deductible from Medicare, BUT that plan is no longer avaliable. We are grandfathered for this plan so i guess visiting with this gentleman in Winters and under his advice, we pay nothing except for some minor prescriptions.
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Old 02-26-2021, 04:53 PM   #18
Jtrage
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I work with Cigna Medicare Advantage. I am not necessarily promoting that but I am saying do your homework on the Advantage plans? I assume you have a PCP, so make sure that PCP is in network with the plan you chose unless you chose a true PPO plan. With those plans you can usually pick your primary care doc as long as you doc takes that plan.

If you have specialists, make sure the same.

Many of the Advantage plans are no monthly out of pocket for you. Do your homework? And every plan is different for different regions so make sure you are looking at your region.

Homework into all that the plans offer. Some plans will offer cash/gift card incentives for your yearly visits, completing certain maintenance screenings, etc.

I don't do sales. I work with the physicians but I can send you the contact of our sales person in your area.

Again, do your own research. I am not suggesting anything. And unfortunately it is confusing.
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Old 02-26-2021, 05:55 PM   #19
hpdrifter
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Quote:
Originally Posted by WCB View Post
I contacted Medicare, SS , my company benefits people and have been told (and have it in writing from medicare.gov) that if I currently have coverage I do not have to sign up now and can keep adding to my HSA. I would have to stop adding at least 6 months before signing up or be penalized for the HSA contribution.

Are you saying this is not correct?
y

I had company insurance also.

The way I understood it was you have to sign up, but can delay actual payments/benefits.
I could be wrong, but I got penalized my first month of SS to the tune of $467
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Old 02-26-2021, 07:13 PM   #20
TD2000
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Suggest going with an independent agent that has access to many alternative companies and plans. We were able to get with a Plan G company that annually determines your premiums based on your age you joined. Ours will always be based on age 65
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Old 02-26-2021, 07:22 PM   #21
wsteffen
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Advantage plans are great unless you do any traveling out of state or at least their area. I looked at them and found ot that while I was spending the time at our cabin in the adirondacks that I would have no coverage, not even medicare. Be careful. We have a supplement though USAA. I think it's u\United Heath Care and our costs are very low.
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Old 02-26-2021, 08:28 PM   #22
Froggy
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Sending you a PM
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Old 02-26-2021, 10:03 PM   #23
Beleg
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Call Joe Namath, he’s always on TV promoting Medicare Advantage plans. I’m sick of seeing old Joe every commercial break.
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Old 02-27-2021, 08:34 AM   #24
Arrowsmith
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Quote:
Originally Posted by Beleg View Post
Call Joe Namath, heís always on TV promoting Medicare Advantage plans. Iím sick of seeing old Joe every commercial break.
This ^^^

Tracy and I are are tired of seeing him too. That group he is advertising for is shady. You will notice he says you "might" get the benefits he is touting. I will bet Joe himself is on regular Medicare A & B with a good supplement like part G and a good part D.

Sent from my SM-G965U using Tapatalk
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Old 02-27-2021, 08:56 AM   #25
Geezy Rider
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Good advice y’all. Thanks.
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Old 02-27-2021, 09:02 AM   #26
Tmag
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AARP Advantage Plan(UHC) for me, covers A, B, and drugs. Home delivery 90 day supply is free to me. I need to look into supplement coverage if it's that cheap.
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Old 02-27-2021, 09:59 AM   #27
Geezy Rider
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What’s the difference between an Advantage Plan and a Supplemental Insurance?
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Old 02-27-2021, 10:50 AM   #28
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Quote:
Originally Posted by Geezy Rider View Post
Whatís the difference between an Advantage Plan and a Supplemental Insurance?
In simple terms

Advantage Plan - You go to their doctors and hospitals (possible problem if you travel especially outside US)

Supplemental - You keep your doctor and hospital. More likely to pay for hospital and doctor use when traveling
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Old 02-27-2021, 10:52 AM   #29
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Originally Posted by TD2000 View Post
Suggest going with an independent agent that has access to many alternative companies and plans. We were able to get with a Plan G company that annually determines your premiums based on your age you joined. Ours will always be based on age 65
If anyone needs his contact info, send me a PM
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Old 02-27-2021, 11:59 AM   #30
Mudslinger
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OK, for all those that are looking at supplemental insurance and how much difference there is in a nutshell.

The wife and I have the normal A&B Medicare, PLUS we got lucky and have Plan F supplemental that is no longer avaliable. Fortunately we are grandfathered into the Plan F and as long as we pay for this plan, we will pay ZERO to our local hospital and/or Doctors (Baylor Scott & White). Doctor expenses while traveling, not sure.

I had shoulder surgery on Nov 3 and just got the final tally today! Over $28,000! of which we owe ZERO. Yes we are lucky and if you have Plan F now, better hang on to it!

Funny part is I had 4 screw anchors put in my shoulder at $2000 per screw! Most expensive part of the surgery!

Wife just informed me that if you turned 65 before Jan 1, 2020, then Plan F is avaliable to you! Might want to check into this!
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Old 02-27-2021, 12:18 PM   #31
db@100
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I also have AARP, United Health Care Supplement Plan G. From what I understand, anyplace that accepts Medicare also accepts UHC supplement. I also think that Medicare does not cover you when you are out of the country, but is good anywhere in the country that accepts Medicare. Not all doctors accept Medicare.
The Plan D is where things get tricky. You need to have a list of all of your meds. That way you can be sure the company you go with covers that drug and at what tier. Drug plans can change every year so you will need to check your plan every year.
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Old 02-27-2021, 01:28 PM   #32
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Quote:
Originally Posted by texan4ut View Post
I have a Humana Advantage plan. I think I pay 35.00 a month. Have been pleased with them.
Humana here also, but I pay $18 a month. The vision and dental are not top notch, but Iíve never been out a dime for prescriptions , copays for office visits are $5 unless itís a specialist, then $35. All in all, Iím plenty satisfied with everything except the robot you have to deal with if you call in your prescriptions. Heís a dumb ***** !
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