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Flea | Which is the best Medicare plan option for my mother? |
Right now, she has Blue Cross/Blue Shield and pays $93 a month.
She got an offer in the mail for another company, I think it was Oxford, that says she would have to pay nothing per month.
But there's so much stuff to read through and I have another 2 weeks before the end of open enrollment.
Her main needs right now are blood pressure meds and visits to her general dr, but I'd like to help her pick out a plan that will benefit her if she needs to stay in a hospital or if she develops other medical needs.
Does anyone out there love their Medicare plan and tell me what it is?
Thanks! |
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David W
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Most states can direct you to a Medicare counselor through their senior services agency. They have trained staff who can help her with the basics.
A $0 plan is great until you need to go into the hospital... then they typically leave you with a daily copay of around $250 until you've spent $1,000 or $2,000 out of pocket. You'll also have copays for doctor visits - usually around $20 or less for routine visits.
A $0 plan that also covers drugs... check their formulary list and find out what copays it requires for the specific drugs your mother needs to take regularly. Use Oxford's 800 number and they should be able to give that info.
The Medicare Advantage plans vary greatly not only by state, but by metro area within states. What someone else may "love" may not be available where you live, or may have a different benefit structure. Asking her physician (assuming she trusts them) is a good idea, but they may prefer plans that benefit them more than the patient. |
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deep5223
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Your best bet is to go to Medicare.gov and compare plans. If you want a Medicare Advantage which is what it sounds like she has, I suggest you call her Primary Physician's office and ask for the billing dept. Ask them which plans they take and which plans give the best service. I would then go from there. |
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MissV
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I'm sorry you don't want to read stuff, but it's there to protect you.
Look in your mom's Medicare and You Booklet 2007. It should list the companies that have been preselected by the government to provide Medicare Advantage policies in your state. These are the fee for service providers. Every service is not free.
But before you sign up, make SURE that you've determined if she wants to use only her regular physician or if it doesn't matter. Because her physician will decide whether or not they accept that particular Medicare Advantage, fee for service, plan. Check with your local hospital also to be sure they are signed up with it. If neither accepts the company, you'll want to ask which providers they do accept, because the right company will have to be billed for this program to work.
And make sure that whichever company she signs up with, that when she goes in for treatment that she shows that company's card, and NOT her Medicare card. That's where the confusion for billing will come in.
Make sure she has Part D coverage - prescription coverage as well. |
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The Rabbi
 |
Search health insurance for medicare agents in your area or look in the phone book. |
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symetrist
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if you're based out of new jersey check out horizons medicare advantage plans. they have 3.
blue, blue plus and blue value plus.
if she's in the hospital often I'd suggest blue value plus. it has a 1750 deductible, but theres no hospital deductible, plus once you reach the ded, just about everything is covered at 100% |
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Txlady
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I'm pleased with American Pioneer. For claim questions and policy holder service, call: 1.800.999.2224. You really need to go through an agent to explain all of the particulars and to help you pick what is best for your mother. This number should be able to tell you if this plan is available in your area and be able to provide an agent name for you if so.
Also, let me recommend a good drug discount, eye glass discount, and dental discount card for her: Peoples Benefit Services. It's not an insurance--only something for a discount that really helps on costs. For membership benefit information. call 1.800.667.6914 M-F 8 A.M.- 6 P.M. Eastern Time. Good luck! |
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michelle
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Try Health Spring. Thats what my grandmother has and she doesn't pay anything. |
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