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Medicare Health Plans
#11
(09-16-2014, 12:50 PM)retired_guy Wrote: 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.

RG: You were obviously a Military Cryptanalyst. Dielaughing

@JimZZZ: Lemme guess -- you worked for Grumman Aircraft. Crappy company after they integrated with Northrop.

I prefer original Medicare. I have a part D plan and a Medigap plan C.
I avoid the Medicare Advantage plans. Their business model is to get paid up front by Medicare; then deny service to maximize profit.
With original Medicare, you can see any specialist who accepts Medicare -- and most will. With an advantage plan, you are with an HMO and limited to their network.

Hard to find a PPO medicare plan.

Probably won't apply to you in NY -- avoid Blue Shield of California as if it were Ebola. They cannot find their a55 with both hands.

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#12
(09-17-2014, 11:39 AM)justMongo Wrote:
(09-16-2014, 12:50 PM)retired_guy Wrote: 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.

RG: You were obviously a Military Cryptanalyst. Dielaughing

@JimZZZ: Lemme guess -- you worked for Grumman Aircraft. Crappy company after they integrated with Northrop.

I prefer original Medicare. I have a part D plan and a Medigap plan C.
I avoid the Medicare Advantage plans. Their business model is to get paid up front by Medicare; then deny service to maximize profit.
With original Medicare, you can see any specialist who accepts Medicare -- and most will. With an advantage plan, you are with an HMO and limited to their network.

Hard to find a PPO medicare plan.

Probably won't apply to you in NY -- avoid Blue Shield of California as if it were Ebola. They cannot find their a55 with both hands.

my medicare advantage plan is a ppo
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#13
Thanks Mongo. Your opinion of Medicare Advantage is consistent with the majority of people I have talked with. It really is a good idea to ask around. Before I did, I was about to fall for the Advantage hype.

Not Grumman but the name does start with 'G'.
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#14
Based on the requirements of my secondary health carrier (Federal BCBS), I have Medicare A and B with the Blues picking up everything else. oldman
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#15
[Somehow, I my browser is getting into the wrong thread between the time I find the thread and the time I reply. Very odd.]
Sweet Dreams,

HerbM
Sleep study AHI: 49 RDI: 60 -- APAP 10-11 w/AHI: 1.5 avg for 7-days (up due likely to hip replacement recovery)

"We can all breathe together or we will all suffocate alone."
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#16
Am 10 weeks post-op and stuck at 3 degrees, still stiff and pain at night. May your knees go perfectly for you~! Wanna know when you first get out of bed to walk, and when you go home, etc... I see the ortho and hopefully get a date for the shoulder on the 1st.
*I* am not a DOCTOR or any type of Health Care Professional.  My thoughts/suggestions/ideas are strictly only my opinions.

"Only two defining forces have ever offered to die for you. Jesus Christ and the American Soldier. One died for your Soul, the other for your Freedom."
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#17
I somehow switched threads and posted in the wrong one. I put the post over in the thread with clicking knees and Herbm in the title.
Sweet Dreams,

HerbM
Sleep study AHI: 49 RDI: 60 -- APAP 10-11 w/AHI: 1.5 avg for 7-days (up due likely to hip replacement recovery)

"We can all breathe together or we will all suffocate alone."
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#18
JimZZZ
Here is some free advice for you from the National Network of SHIP. The hotline phone number is 800-701-0501 for New York. I am a counselor for Kansas.

The New York State Office for the Aging's Health Insurance Information, Counseling and Assistance Program (HIICAP)operates through our network of 59 county Area Agencies on Aging. HIICAP counselors help beneficiaries and their caregivers to understand Medicare and other health insurance options and benefits. HIICAP's user-friendly Web site aging.ny.gov (follow link for Find Help - Health Benefits) has been recently updated and includes links to many Medicare related sites. NY's HIICAP Hotline is 800-701-0501. Callers will be prompted for their zip code and will then be connected to the local counseling program in the county from which they are calling. New York has an extensive training program for local programs and community-based agencies through a contract with Empire Medicare Services. NYSOFA coordinates resources by working with the HIICAP Consortium, which includes federal, state and private experts on Medicare and other health insurance.
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#19
(09-16-2014, 05:13 AM)JimZZZ Wrote: I'm 14 years retired from a major corporation and was just notified that the company group health insurance plan will be cancelled for all salaried retirees at the end of 2014. After several hours of reading about various plans from private insurance companies, I am rightfully confused about the best choice.

I would really appreciate any advice from anyone who has been down this road. My questions are:

Which do you prefer (or hate):
Original Medicare
Original Medicare with Medigap
Medicare Advantage?

Which is better, HMO or PPO?

Which insurance company (or type of company) do you prefer (or hate)? I'm not sure the forum rules allow this question. If not, advise me and I will edit it out.

I also wonder if this question could be posted in the main forum. Maybe a poll?

I'm going to resurrect this necrothread to add some important info.

Choose your Medigap wisely (as the old knight said to Indiana Jones.)
As you are dumped from your company plan, you are guaranteed acceptance in the plan you choose. Should you be unhapppy with that plan and elect to change during an open enrollment period, then you become subject to medical underwriting... the new plan does not have to issue and may charge in accord with your health conditions.

B) If you do decide to make a change, never drop the first plan before you have the new plan in hand.
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#20
I'm 56. As costs soar and all the boomers become Medicare-eligible, I suspect that Medicare will change quite a bit to control costs but it's time to become an expert on this. Is there somewhere that has detailed options about all the options and costs? I've lived my entire life with gold-plated corporate health insurance where I really didn't need to concern myself with any of this.
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