General Discussion

Tadpole Raisin

(1,561 posts)

17. I know they aren't switching to another M.A. plan. That wouldn't help at all.

Tue Nov 19, 2024, 06:19 PM

Nov 19

So they return to standard MC A and B but without a supplement to fill in the gaps in coverage?

Wow. People must be really desperate to do that.

I’m lucky. I live in a guarantee issue state. I’m using Medicare Advantage now (which we both know is private although some people insist it is not), but I have no intention of staying on it.

In a year or 2 I’ll change back to straight MC and get a supplement. I’m not going to allow them to deny me care even if it won’t happen for several years. That’s the thing - you never know when that will happen.

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143 replies

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The Sickest Patients Are Fleeing Private Medicare Plans--Costing Taxpayers Billions [View all] question everything Nov 19 OP

THAT'S when they find out what a fucking scam it is Skittles Nov 19 #1

You can warn them Hope22 Nov 19 #2

"too good to be true" seems lost in the wind Skittles Nov 19 #4

Just recently turned 65 Babajida Nov 22 #109

um - young pup Skittles Nov 22 #114

lol Babajida Nov 22 #120

I agree Skittles Nov 22 #121

Your primary care office cannot refuse Medicare patients Ms. Toad Nov 22 #132

Are they quitting or are they intentionally being kicked out? ... aggiesal Nov 19 #50

either way it's more proof what a fucking scam they are Skittles Nov 19 #52

I agree, but if they were kicked out, if I was running the government ... aggiesal Nov 19 #53

LOL Skittles Nov 19 #54

I agree with that too. It's what I would do. n/t aggiesal Nov 19 #55

My wife was on Medicare Advantage plan until the end of her life at140 Nov 19 #56

of course there are always the exceptions Skittles Nov 19 #57

you are right about the goal of MA at140 Nov 19 #60

it is odd that they do not specify in the article Skittles Nov 19 #61

The first paragraph- which I snipped to keep the allowed ones -mentioned United Healthcare question everything Nov 19 #71

Humana isn't much better Skittles Nov 19 #72

No complains with Humana MA HMO using now for 7 years at140 Nov 22 #106

yes they do make it seem nice for now Skittles Nov 22 #107

A friend recently received notice that her Advantage care was being cancelled. Lonestarblue Nov 20 #101

B-I-N-G-O, this is what I'm referring to. ... aggiesal Nov 20 #104

She will still be covered by traditional Medicare Voltaire2 Nov 22 #131

Yep. Medicare Advantage was great for my mom -- until she really needed it. W_HAMILTON Nov 19 #62

I am sorry about that. She should have been able to switch during open enrollment question everything Nov 19 #74

She could have switched, but wouldn't have been able to afford... W_HAMILTON Nov 19 #82

We've had this discussion here repeatedly. Voltaire2 Nov 22 #133

When you go back to original medicare Henry203 Nov 20 #103

self deleted Babajida Nov 22 #111

Medicare "Advantage" was George W. Bush's attempt to privatize Medicare. OMGWTF Nov 19 #3

it's an ONGOING EFFORT Skittles Nov 19 #5

That would be because he's basically a pimp. dchill Nov 19 #48

Part C started in Clinton. Silent Type Nov 19 #27

Exactly! surfered Nov 19 #46

Another GOP grift of the public and especially their MAGA base. Jit423 Nov 19 #59

This is an important article. Thanks. spooky3 Nov 19 #6

not only the "free stuff" rampartd Nov 19 #11

And all the admin costs, and profit for the insurer, etc. nt spooky3 Nov 19 #13

i can't even fit this into "capitalism." rampartd Nov 19 #15

Seniors had better be ready to push back hard if spooky3 Nov 19 #16

i am a cancer survivor rampartd Nov 19 #19

Hang in there! I have a relative whose care in the last two years has spooky3 Nov 19 #20

i've seen the numbers paid out by medicare and my supp. blue cross rampartd Nov 19 #24

Totally agree. Nt spooky3 Nov 19 #28

there is NO REASON a session of chemo should cost that much Skittles Nov 19 #65

And the fact that we as a country allow it to happen. spooky3 Nov 19 #79

My wife has had, and survived, cancer twice DFW Nov 19 #29

Wow! I hope she is ok now. nt spooky3 Nov 19 #64

Amazingly, yes, she is. DFW Nov 20 #87

I'm happy for her and your family. Nt spooky3 Nov 20 #88

Thanks. We were extremely lucky, and never forget it. DFW Nov 20 #89

Congratulations! Nt spooky3 Nov 20 #90

oh my god what a beautiful family. I have had open arthritisR_US Nov 22 #108

Thanks, you're very kind! And it sounds like you've been through the wringer more than most! DFW Nov 22 #116

Ralph Reid was doing his shit and it was illegal but our conservative arthritisR_US Nov 22 #117

I live in Germany DFW Nov 22 #118

Canada? So many of us are looking at the Canadian system as an example.. question everything Nov 22 #124

Alberta is extremely conservative but other provinces in the arthritisR_US Nov 22 #142

I have advanced emphysema from a genetic condition misanthrope Nov 20 #97

This message was self-deleted by its author Skittles Nov 20 #85

? Skittles Nov 20 #105

In economic theory it is called 'rent seeking'. Voltaire2 Nov 22 #134

kickbacks for the people who add people to these scams Skittles Nov 19 #63

Unless they are in a guarantee issue state how do they do it? Tadpole Raisin Nov 19 #7

They aren't switching to another private plan; they spooky3 Nov 19 #10

I know they aren't switching to another M.A. plan. That wouldn't help at all. Tadpole Raisin Nov 19 #17

So your earlier post was commenting about supplemental plans? spooky3 Nov 19 #18

If they were in an Advantage plan they didn't have a supplement. Tadpole Raisin Nov 19 #23

If their income is low enough... littlemissmartypants Nov 19 #45

True! Although when over 65 sometimes the asset test knocks you out Tadpole Raisin Nov 19 #51

Already there... littlemissmartypants Nov 19 #58

Sorry about that. Can the manufacturer help? They often do for expensive drugs question everything Nov 19 #70

Thanks for the suggestion. There's a manufacturer discount card. ... littlemissmartypants Nov 19 #83

A system that makes it normal for people to stress out over this DFW Nov 20 #100

yeah, not just income, assets. Voltaire2 Nov 22 #135

Dr Ozis gonna fix it 🙃 Deuxcents Nov 19 #8

there are youtube videos with the hack Oz pimping for Advantage Skittles Nov 19 #9

Social Security Advantage. The Musk/Swarmy Plan Traildogbob Nov 19 #12

Once you really need care.. Macrophylla Nov 19 #14

I work in Neurosurgery Horse with no Name Nov 19 #32

What would you recommend? Babajida Nov 22 #112

steer clear of any doctor office pimping for Advantage Skittles Nov 22 #119

Agreed n/t Horse with no Name Nov 22 #123

I would recommend doing your homework Horse with no Name Nov 22 #122

There will be no more traditional Medicare mnhtnbb Nov 19 #21

no Skittles Nov 19 #25

You'll be wheeled into the alley behind the hospital awaiting doom. erronis Nov 19 #38

That's what I mean. mnhtnbb Nov 19 #39

it will all eventually be turned over to private insurance Skittles Nov 19 #40

This is exactly what I think, too XanaDUer2 Nov 20 #93

They're already screwed by then. If you join Advantage you will likely be locked out of traditional Medicare supplements tritsofme Nov 19 #22

Hubs and I would pay 800 per month on original Medicare. And I have had excellent care... Demsrule86 Nov 19 #33

What plan do you have? Babajida Nov 22 #113

The concept of a plan has always been the same... Moostache Nov 19 #26

Sadly, original Medicare covers only 20 days of nursing home care, after that you pay $204 or so for next 80 days. Silent Type Nov 19 #30

Not all Medigap policies pay this...most folks go on Medicaid. Demsrule86 Nov 19 #34

This is why we need long term insurance except they are getting so expensive question everything Nov 19 #78

Unfortunately, I see no chance of nursing home coverage in next 20 years at least. Good point about those who are Silent Type Nov 19 #80

This is bullshit. You can't go back to orginal Medicare after Advantage...unless you Demsrule86 Nov 19 #31

You can go back to original Medicare, buy you'll pay 20% out of pocket unless you qualify for a Medigap policy, which Silent Type Nov 19 #35

That is false. totodeinhere Nov 19 #68

Better go read that again. 63-day window applies to the FIRST YEAR you go on MA. After that, underwriting applies Silent Type Nov 19 #73

Thanks for the correction. n/t totodeinhere Nov 19 #75

It's overly complicated. I don't see how anyone keeps up with it. Silent Type Nov 19 #77

That is not true! Liberal In Texas Nov 19 #36

If your advantage plan is canceled that may set up a special circumstance Tadpole Raisin Nov 19 #66

Wall Street Journal Cirsium Nov 19 #37

Switching? Jill Hanson Nov 19 #41

So did I, though in some case you can IF you have a lot of money. Auggie Nov 19 #42

During open enrollment as is right now question everything Nov 19 #44

You can definitely go back to original/heritage Medicare. But, there is no guarantee you can get a Medigap policy, Silent Type Nov 19 #76

Medicare alone (Parts A/B leaving you with a 20% copay) is a permitted switch. Ms. Toad Nov 22 #141

False fact upstream..... Granny Blue Nov 19 #43

I think... littlemissmartypants Nov 19 #47

For 2025, Medicare Advantage plans have cut benefits and raised premiums and copays, across the board dlk Nov 19 #49

Kick dalton99a Nov 19 #67

I'm so damn sick of this crap soandso Nov 19 #69

I thought wryter2000 Nov 19 #81

You can during open enrollment see 44, above question everything Nov 19 #84

no you CAN go back Skittles Nov 20 #86

I don't know why everyone is so worried Zorro Nov 20 #91

Humana is terminating 560,000 members because they are not profitable enough dalton99a Nov 20 #92

This happens with for profit companies. Their fiduciary is for their shareholders who expect them question everything Nov 20 #94

With Dr. Oz sabbat hunter Nov 20 #95

I don't get it. The premium for my plan is $36/month. milestogo Nov 20 #96

This is how the story started question everything Nov 20 #98

I'm enrolled in both milestogo Nov 20 #99

GOP evil julmur Nov 20 #102

Anyone here old enough to have Medicare? Babajida Nov 22 #110

that's the issue Skittles Nov 22 #115

There are professionals who help individuals through the labyrinth of enrolling question everything Nov 22 #126

Most if not all are paid a commission by the insurer dalton99a Nov 22 #128

Look for State Health Insurance Assistance Programs ie: SHIP CousinIT Nov 22 #139

100% elder abuse Babajida Nov 22 #140

I always assume a slick commercial indicates a weak or bad product. lindysalsagal Nov 22 #125

Problem is once they sign up for an advantage plan, transferring JohnSJ Nov 22 #127

VERY Misleading article. I'll explain why. Typical of the WSJ though, siding with private insurers CousinIT Nov 22 #129

You may want to read the whole story again. I have no idea where you got your conclusions question everything Nov 22 #136

The headline is badly written then. CousinIT Nov 22 #138

Neither MA or Medicare cover long term nursing home costs. Voltaire2 Nov 22 #130

Medicare covers some stay when one is released from the hospital. Go read the original stroy question everything Nov 22 #137

'long term' nt. Voltaire2 Nov 23 #143