Thanks guys. A friend who works at a hospital gave me the same opinion you offered. That was after talking with an expert in the hospital insurance office. So it appears that you are absolutely right! Of course... The insurance companies do a hard sell on the Medicare Advantage plans but when you think about it, there must be a lot of administrative costs in those plans.
OK... I give up........... What is "YMMV?" I see this a lot and I can't decipher the acronym. "Your results may vary?" That would be "YRMV." Maybe it's "Your miracles may vary." Or "Yo Mama, my volkswagon?" I don't know. It's a puzzle.
09-16-2014, 12:59 PM
(This post was last modified: 09-16-2014, 01:02 PM by surferdude2.)
YMMV = Your Mileage May Vary. It comes from the misleading miles per gallon stickers that the auto manufacturers place on new car windows to lie about the great gas mileage the car will get...NOT.
It has become a common way to say that your own experience may not work for others.
09-16-2014, 01:08 PM
(This post was last modified: 09-16-2014, 01:19 PM by surferdude2.)
R_G, Does your wife have a high deductible? I mean with the health plan "F"...not anything else that comes to mind..
It sure has saved me a bunch. I switched to it from the standard type when I found that I could change as often as I liked and didn't have to wait for the usual annual plan change program. I figure I'll give them a call when things go down hill further than they are now...at least I'll have saved enough to pay for the call. YMMV (there it is AGAIN)
I do NOT like regular medicare. If you go in the hospital, the deductible and daily pay out is high and that is every time you go in the hospital for a different reason and even if you go in the hospital for the same reason but it is past the time period set by medicare (I can't remember what that time period is) then the deductible is due again. Since I am not old enough for medigap, I don't know much about it. I prefer medicare advantage plans myself as they have to follow medicare guidelines but the deductibles are lower, copays are sometimes lower, some are eligible for premium reduction and lower prescription copays. A lot of providers are moving away from accepting medicare and I think part of that is because the deductibles, etc. are so high that the providers are having more people that don't pay their portion and are losing money. Medicare allowable amount is not that much and then when a patient can't pay, that only causes more problems for the provider. My medicare advantage plan is a PPO and I like that because I can go to any doctor without a referral and going to a doc for a referral and then to the specialist just costs more money and time. This is just my opinion and what works for me. I would suggest finding a person that signs people up for medicare advantage PPO plans and let them explain it to you. That is what I did. I am very happy the way I went. Even paying the additional premiums for the medicare advantage plan, it is less costly than if I were to go straight medicare. Again, this is my opinion and what works for me. I don't know how medigap works so that may be feasible for those eligible for it (although I was told that there are additional premiums for that and they can be expensive) if medigap picks up all the deductibles and out of pocket expenses not covered by medicare.