Devoted Health isn't in my area yet. Thanks!We moved from Humana to Devoted Health last year, after a recommendation from our medicare insurance broker, who went over the plans with us a year ago. He recommended Devoted because they are a Five Star company, and both the doctors and the patients liked the company and recommended it. They have exceptionally good extra benefits.
Last year was the first year in Alabama for Devoted, so it is still pretty new, even this year, but growing.
Our hospital system just announced that they are having some kind of irreconcilable differences with United Health Care (the one recommended by AARP), so none of the doctors or facilities who belong to the HHS will be accepting UHC insurance next year. I do not know if other parts of the country are having the same issues with UHC or if it is just our hospital, but in any case, a lot of people here depend on the Huntsville hospital and its doctors, so people will be changing from UHC to some other plan.
What does KP stand for?Another mostly healthy person that has been fine with current plans so avoids switching. Have had KP since retiring in 2017 and before that while employed since 2010 KP also. My 4 top rated KP doctors treat me as one of significant public importance. There is a large new modern KP hospital with highest level facilities just a few miles drive that as a senior, does provide reasons to continue living here versus say moving to some smaller city. Also offices just a mile away where next Tuesday for example will walk-in without an appointment for free flu and COVID-19 vaccinations.
Kaiser PermenentieWhat does KP stand for?
You are absolutely right. Stick with Medicare.None. Medicare Advantage Plans are a scam. I'll never leave original Medicare.
They sure are. I havenāt found one yet that doesnāt get you somewhere. A lot of the plans tell you that you will get $40 or more a month for otc products, but how much Tylenol or band aids do you really need?None. Medicare Advantage Plans are a scam. I'll never leave original Medicare.
Iām curious which letter medigap policy represents the best value for you and your situation.One other issue with Advantage plans is that if you don't like it, switching back to traditional Medicare with a supplement may be an issue.
From Google:
When you switch to traditional Medicare, you may also want to consider purchasing a Medicare supplemental insurance policy, known as Medigap. Medigap policies help to pay your cost-sharing requirements under traditional Medicare. Depending on how long you have been enrolled in Medicare Advantage, Medigap insurers may not be required to sell you a policy unless you meet the medical underwriting requirements. You may want to contact a few Medigap insurers directly to see if you will be able to purchase a Medigap policy when you switch to traditional Medicare.
I looked into MediGap but it wasn't going to help me.Iām curious which letter medigap policy represents the best value for you and your situation.
My mother had a great medigap plan years ago through United Healthcare that paid for everything but Iām not sure that the twenty five years of premiums put her in a better place than a Medicare Advantage plan with some out of pocket expenses.
I live in a state that allows you to drop a Medicare Advantage Plan in favor of a medigap plan. If my health deteriorates I would consider making the switch during the annual enrollment period.
A plan g medigap pays after Medicare pays. Once your 240 deductible is paid per year you wouldnāt pay another dime. Canāt imagine how that doesnāt work.I looked into MediGap but it wasn't going to help me.
In my area a Medigap Plan G monthly premium is approximately $150.00/month in addition to the $240.00 deductible.A plan g medigap pays after Medicare pays. Once your 240 deductible is paid per year you wouldnāt pay another dime. Canāt imagine how that doesnāt work.
Insurance companies will deny you if you have pre-existing conditions!!If my health deteriorates it may make sense to switch to a plan G.
I say it depends on the plan, where you live, and know if your providers are in network our out of network. We have been on Medicare Advantage with BC/BS for over 5 years and love it.None. Medicare Advantage Plans are a scam. I'll never leave original Medicare.