- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Coaching Changes
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
re: Medical expense not covered by Medicare will be 25,000 bucks this week
Posted on 8/20/25 at 4:06 am to ManWithNoNsme
Posted on 8/20/25 at 4:06 am to ManWithNoNsme
quote:
Thanks for the info. Great thread! I have been retired a couple of months and will get on Medicare in October. Currently have no health insurance. I have been using GoodRX for my blood pressure and cholesterol meds. So far it’s not been too expensive. Saved me $100 on one prescription.
My boss’ GP told him to not get Medicare Advantage. He said they were bad about denying tests and treatments. I have no idea if this true.
We have good results with GoodRX but also a new prescription discount site called SingleCare. It works exactly like GoodRx. Keep in mind that you always want to tell both sites to search ALL available pharmacies in your area. These sites defualt to the pharmacies that pay the most commision which is rarely going to be the lowest price. Also, they default to 30 day supplys. Always search a least a 90 day supply and the really large savings are seen when you purchase a 180 or even a 365 day supply which you can do because this isnt going through any type of health insurance. The exception are the RX with quantity restrictions such as pain medication.
Your boss is correct. Medicare advantage is a very poor choice and extremely expensive choice especially if you develope a chronic health condition and/or one requiring home health care.
This post was edited on 8/20/25 at 4:07 am
1
Posted on 8/20/25 at 4:22 am to LSUfan4444
quote:
Can be done annually without issue during the enrollment period
Yes, switching from a MA plan back to Medicare is not problem. The problem is that with Medicare one needs a Medicare Supplement policy. The typical case that ends up on my desk is a person joins an MA plan not realizing that they're leaving Medicare. Everything is good with the MA plan until they develope a real heatlh issue. Then we move them back to Medicare so they can recieve the care they so desperately need but the move can take 10 months or more and because they have ongoing health issues there's no way to purchase a Medicare Supplement policy. Not a big deal for some of the clients I take on due to their million dollar retirement accounts that can be tapped. But for the rest of my clients and their families its devastating.
Posted on 8/20/25 at 4:36 am to Disco Ball
quote:
a person joins an MA plan not realizing that they're leaving Medicare
They don't, they can't. You HAVE to have Medicare to be enrolled in a MA plan. You don't lose Medicare. YOu have everything it covers PLUS what the MA plan offers.
quote:
Everything is good with the MA plan until they develope a real heatlh issue. Then we move them back to Medicare
So you advise them to leave a plan with lower out of pocket costs when they need their coverage the most? That makes no sense.
Let me rephrase, i understand it. it just isn't smart.
Posted on 8/20/25 at 4:38 am to Disco Ball
quote:
Medicare advantage is a very poor choice and extremely expensive choice especially if you develope a chronic health condition and/or one requiring home health care.
Good gosh this is borderline reckless. It's no wonder people are so confused when they trust people that give this kind of horrible advice.
Posted on 8/20/25 at 4:56 am to LSUfan4444
quote:
They don't, they can't. You HAVE to have Medicare to be enrolled in a MA plan. You don't lose Medicare. YOu have everything it covers PLUS what the MA plan offers.
Yes, you have to be enrolled in A & B and must continue to pay the Part B premium but when you elect to join Medicare Part C which another name for Medicare Advantage you no longer recieve and health coverage from Medicare Parts A & B. ALL your care is recieved from the HMO that you join. No one on a MA plans receives any statement of benefits aka summary notices of care recieved from Medicare only from the HMO. Everyone is enrolled in Medicare at birth and that doesn't end till death. The health coverage A & B are just one part.
No I don't advise clients to do anything. I simply help them understand why their care is be rationed, why they now have so many out of pocket costs and what options they have to access the care their doctors are trying to prescribe. Its normally when families have private consultations with phycisians that they are recommended to return to Medicare if possible
This post was edited on 8/20/25 at 4:57 am
Posted on 8/20/25 at 5:12 am to Disco Ball
quote:
Its normally when families have private consultations with phycisians that they are recommended to return to Medicare if possible
Agreed. The same physician practices that literally broke medicare do not like managed care because it's much harder to overuse, abuse and fraud specifically those providers with a vested interest in skilled nursing.
That being said, advising patients / clients that MA is a "very poor choice" and "extremely expensive choice" if you develop a chronic health condition require home health is incorrect and irresponsible.
The vast majority of MA plans have coverage with lower maximum out of pocket costs, lower inpatient costs, lower part d costs and home health at $0 for enrollees.
Posted on 8/20/25 at 5:27 am to Trevaylin
2500 dollars on Friday out of pocket./ sum of 17500.
The last kick in the gut is funding will come from my 401 k, and the federal government will charge 5000 in income taxes
Just tell them you are an illegal immigrant, the democrats will pay for everything with Tax dollars.
The last kick in the gut is funding will come from my 401 k, and the federal government will charge 5000 in income taxes
Just tell them you are an illegal immigrant, the democrats will pay for everything with Tax dollars.
Posted on 8/20/25 at 5:30 am to Trevaylin
For 17500 you could take a trip to Mexico, get all your dental work done and come home with $10,000
Posted on 8/20/25 at 5:56 am to Sunnyvale
quote:
Go to Costa Rica for Dental work.
Might save 10k
You also might get harvested for your organs, there's also that.
Posted on 8/20/25 at 5:58 am to Trevaylin
This is why you contribute to an HSA if able. Only thing we have with triple tax advantages.
Deferred on contribution
Deferred on growth
Tax free if withdrawn for qualified expenses.
Deferred on contribution
Deferred on growth
Tax free if withdrawn for qualified expenses.
Posted on 8/20/25 at 6:02 am to Trevaylin
Save medical receipts. You may have enough to go long form and deduct those costs. Also over 65 will get $6000 deduction in taxes next year ($12k with spouse).
Posted on 8/20/25 at 6:10 am to jeffsdad
quote:
but the 401 k monies were not taxed before you put them into the 401k. Of course, they will be taxed now.
I think if you invest in your retirement and don’t touch it until you reach full retirement age that money should be tax free. This would be a big incentive for ppl to invest for their future.
Posted on 8/20/25 at 6:19 am to The Torch
quote:
Just tell them you are an illegal immigrant, the democrats will pay for everything with Tax dollars.
This is the real bitch of all of this. We live in a country that taxes us our whole lives to give to immigrants and non-workers what the rest of us pay for out of pockets, and then, when we finally get old enough to rest, we better have saved up a few million dollars or we will have to work at WalMart or something to afford healthcare. And we have to compete with foreigners all along the way.
It’s all a sick joke.
Posted on 8/20/25 at 6:55 am to dukeg7213
quote:
Humana Medicare needs to be exiled from earth. They are literal scum
Aetna and United are even worse.
Posted on 8/20/25 at 7:26 am to Trevaylin
$25,000 should be nothing for a Boomer, I hear from many on this board your generation is hoarding all the wealth. 
Posted on 8/20/25 at 7:34 am to Trevaylin
quote:
Oral surgeon next Tuesday will remove 5 severely deteriorated teeth to control gum infection and install a removable bridge for the princely sum of 17500. dollars. Medicare does not cover as with most other dental work.
Medicare shouldn’t cover neglect of preventative care prior to enrolling in Medicare.
Posted on 8/20/25 at 9:03 am to ManWithNoNsme
quote:
He said they were bad about denying tests and treatments. I have no idea if this true.
Very true. Great for meds and general visits. Good luck with anything else.
Posted on 8/20/25 at 9:04 am to Bestbank Tiger
They are all bad. The only one I don’t see denying shite left and right is blue cross Medicare
Posted on 8/20/25 at 9:06 am to Disco Ball
quote:
Yes, you have to be enrolled in A & B and must continue to pay the Part B premium but when you elect to join Medicare Part C which another name for Medicare Advantage you no longer recieve and health coverage from Medicare Parts A & B. ALL your care is recieved from the HMO that you join. No one on a MA plans receives any statement of benefits aka summary notices of care recieved from Medicare only from the HMO. Everyone is enrolled in Medicare at birth and that doesn't end till death. The health coverage A & B are just one part.
No I don't advise clients to do anything. I simply help them understand why their care is be rationed, why they now have so many out of pocket costs and what options they have to access the care their doctors are trying to prescribe. Its normally when families have private consultations with phycisians that they are recommended to return to Medicare if possible
All of this.
Our practice discussed getting credentialed with Medicare Advantage but it reimburses at quite a bit lower rate than Medicare A/B.
Posted on 8/20/25 at 11:07 am to Bestbank Tiger
quote:
Humana Medicare needs to be exiled from earth. They are literal scum Aetna and United are even worse.
Maybe I’ve gotten callous, but, oh well.
Anyone that watches daytime tv is fed the same ads.
Malpractice commercials
Protect your wealth with gold
Car shield
Home title lock
Medicare advantage
If it’s advertised on daytime TV, your participation in a zero-sum game is being solicited.
Page 3 of 4
Popular
Back to top
Follow TigerDroppings for LSU Football News