TUG MEMBERS: Joining TUG does not automatically register you as a user of the TUG Bulletin Board. You must register yourself.


*ads are disabled when logged in as a member*
  1. This site uses cookies. By continuing to use this site, you are agreeing to our use of cookies. Learn More.
  2. The TUGBBS forums are completely free and open to the public and exist as the absolute best place for owners to get help and advice about their timeshares for more than 25 years!

    Join tens of thousands of other owners just like you here to get any and all Timeshare questions answered!
    Dismiss Notice
  3. TUG has now saved timeshare owners more than $13,000,000 dollars just by finding us in time to rescind a new Timeshare purchase! A truly incredible milestone!

    Read more here: TUG saves owners more than $13Million dollars
    Dismiss Notice
  4. Sign up to get the TUG Newsletter for free! Join tens of thousands of other owners who get this every week! Latest resort reviews and the most important topics discussed by owners during the week!
    Dismiss Notice
  5. TUG is trying out a new program that will trade you a TUG membership for a Timeshare resort review if you are an expired member, or even just a guest here on the forums!

    Read more here
    Dismiss Notice
  6. Our official "end my sales presentation early" T-shirts are available again! Also come with the option for a free membership extension with purchase to offset the cost!

    Read more Here
    Dismiss Notice
  7. Follow the TUG Member Banner as it travels the world on vacation with Timeshare owners! Also sign up to get the banner sent to you so you can submit a photo of your vacation with the banner to share with TUG! Banner Thread
    Dismiss Notice
  8. TUG has now joined Priceline.com as an affiliate!

    Members and guests who book air travel, rental cars and even Cruise Vacations thru TUG's priceline links will now support TUG in the process!

    Read more here
  9. A few of the most common links here on the forums for newbies and guests!
    Dismiss Notice

Medicare Annual Enrollment Period coming up!

Discussion in 'TUG Lounge' started by simpsontruckdriver, Oct 10, 2019.

  1. Talent312

    Talent312 Tug Review Crew: Rookie TUG Member

    Joined:
    Jul 4, 2007
    Messages:
    12,476
    Likes Received:
    2,318
    Trophy Points:
    548
    Location:
    North Florida
    Resorts Owned:
    HGVC x2 and Gatlinburg Town Square
    Go to medicare.gov. Create account or sign-in. Click on "Find 2020 Health and Drug Plans."
    Select for Drug Plans only and record your meds and preferred pharmacies.
    The plan finder creates a sortable list. Sort by Total Cost, compare 3-4 and look at Details.

    You will also see a button to enroll. It really could not be any simpler.
    The system will terminate your current plan & enroll you in the new one as of January 1st.
    You will get a notice from your old plan and a drug-card from your new plan in 2-3 weeks.
    .
     
    MULTIZ321 and Steve Fatula like this.
  2. WinniWoman

    WinniWoman TUG Review Crew: Veteran TUG Member

    Joined:
    Jul 16, 2010
    Messages:
    8,713
    Likes Received:
    4,246
    Trophy Points:
    399
    Location:
    Pine Bush, New York
    Resorts Owned:
    Smugglers Notch Resort
    Innseason Pollard Brook
    Who is this guy? An insurance salesman? (for Advantage plans?)

    Most insurance is a scam if you ask me.
     
  3. simpsontruckdriver

    simpsontruckdriver Guest

    Joined:
    Sep 24, 2011
    Messages:
    1,924
    Likes Received:
    171
    Trophy Points:
    123
    Location:
    Deltona Florida
    Insurance as a whole is a good thing. The problem is not insurance, but health providers. Costs for drugs, hospitals, etc have skyrocketed faster than inflation, which means someone has to pay for that $700 Epi-Pen. Insurance's goal is to spread out loss (pregnancy, injury, sickness, disability, cancer, etc) over all their members. Essentially, everyone who pays a premium is paying for it.

    Medicare is the same. Everyone who pays Medicare taxes (FICA) is paying for their opportunity at 65, as well as healthcare losses of retirees. Those who take Part-B and Part-D are paying for all retirees' healthcare costs.

    Is insurance a scam? No. But providers FAR overcharging for their drugs are.

    TS
     
  4. simpsontruckdriver

    simpsontruckdriver Guest

    Joined:
    Sep 24, 2011
    Messages:
    1,924
    Likes Received:
    171
    Trophy Points:
    123
    Location:
    Deltona Florida
    And about using Medicare to estimate drug costs... as of now, their estimator gives faulty numbers. DO NOT use it. Talk to an insurance agent who is independent (affiliated with several providers), they have more reliable information.

    TS
     
  5. Brett

    Brett Guest

    Joined:
    Jun 6, 2005
    Messages:
    1,127
    Likes Received:
    325
    Trophy Points:
    243
    Location:
    Newport News, Va.
    the poster certainly sounds like an insurance agent !

    But I don't believe most insurance is a "scam" - insurance is useful in many situations - home, car .... and health
     
    WinniWoman likes this.
  6. Luanne

    Luanne TUG Review Crew: Veteran TUG Member

    Joined:
    Jun 6, 2005
    Messages:
    12,030
    Likes Received:
    2,553
    Trophy Points:
    548
    Location:
    New Mexico
    You never know what will happen. I consider myself to be healthy. I generally only go to the doctor once a year, and only take medication for high blood pressure. Then bam! a few months ago I start having some issues catching a deep breath. Go in for my physical. A trip to the ER, a cardiac catheterization (no problems with heart), two scans, three sets of blood test, and an echo cardiagram later, the source of the problem has been detected. No bill (so far) for any of this. Without insurance, or with a lesser Medicare supplement plan, I don't want to think what it might have been.

    Dh went in for back pains and he is now scheduled for his fourth procedure to try to pinpoint the cause.

    I think we'll stick with health insurance, in our cases a Medicare Supplement.
     
    WinniWoman likes this.
  7. glenmore

    glenmore Tug Review Crew: Rookie TUG Member

    Joined:
    Jun 7, 2005
    Messages:
    332
    Likes Received:
    42
    Trophy Points:
    238
    Insurance is not a scam. Retired 14 years now and have had 2 hip and 1 knee replacements in 9 years due to arthritis

    Can’t imagine our cost if we had not had a good Medicare Supplement Plan
     
    Luanne likes this.
  8. easyrider

    easyrider TUG Review Crew: Expert TUG Member

    Joined:
    Aug 21, 2005
    Messages:
    7,573
    Likes Received:
    1,573
    Trophy Points:
    448
    Location:
    Palm Springs of Washinton
    Resorts Owned:
    Worldmark * * Villa Del Palmar UVCI * * Vacation Internationale*
    WinniWoman likes this.
  9. VacationForever

    VacationForever Tug Review Crew: Rookie TUG Member

    Joined:
    Dec 5, 2010
    Messages:
    9,892
    Likes Received:
    3,757
    Trophy Points:
    398
    Location:
    Somewhere Out There
    If you had bought an Advantage PPO plan you would not pay a fortune either as every plan has its maximum out of pocket, and using Medicare negotiated rate. My husband's current Advantage PPO plan has max out of pocket of something like $5K per year.
     
    WinniWoman likes this.
  10. Steve Fatula

    Steve Fatula TUG Member

    Joined:
    Jun 12, 2017
    Messages:
    2,038
    Likes Received:
    1,294
    Trophy Points:
    224
    Location:
    Calera, OK
    Resorts Owned:
    Marriott Desert Springs Villas II 2BR
    Playa Andaluza Silver Seafront 2BR
    Destinations Points
    Sure, premiums are higher than the deductible, but for many including us, not the deductible + copays. Humana paid more out for my wife than she paid in. And it was a non sick year as well. That's not even considering the $30 per month savings from the included Silver Sneakers membership (we'd be paying gym otherwise).
     
    Luanne and WinniWoman like this.
  11. easyrider

    easyrider TUG Review Crew: Expert TUG Member

    Joined:
    Aug 21, 2005
    Messages:
    7,573
    Likes Received:
    1,573
    Trophy Points:
    448
    Location:
    Palm Springs of Washinton
    Resorts Owned:
    Worldmark * * Villa Del Palmar UVCI * * Vacation Internationale*
    I wonder how much the supplemental insurance paid that wasn't covered under regular Medicare ? When I bought supplemental insurance for my inlaws it did seem like Medicare actually covered everything. The supplemental we had for my mother in law didn't help with her perscription costs as the drug she was on was new, it didn't help with nursing home stay to recover and it didn't pay for hospice.

    For my father in law the supplemental insurance didn't really pay for anything either and he had multiple heart issues that included 7 bypasses in 1 operation that had a 25 day hospitial stay, 90 day nursing home stay and continued care.

    These were Humana Plans.

    Bill
     
    WinniWoman likes this.
  12. easyrider

    easyrider TUG Review Crew: Expert TUG Member

    Joined:
    Aug 21, 2005
    Messages:
    7,573
    Likes Received:
    1,573
    Trophy Points:
    448
    Location:
    Palm Springs of Washinton
    Resorts Owned:
    Worldmark * * Villa Del Palmar UVCI * * Vacation Internationale*
    I wonder how much of the amount paid out was not covered under regular Medicare ?

    Bill
     
  13. VacationForever

    VacationForever Tug Review Crew: Rookie TUG Member

    Joined:
    Dec 5, 2010
    Messages:
    9,892
    Likes Received:
    3,757
    Trophy Points:
    398
    Location:
    Somewhere Out There
    Procedures that are typically not covered - Lasiks when having cataract surgeries and stem cell treatments for joints - knees and elbows. I don"t know if it covers stem cell transplant for lymphoma.
     
    WinniWoman likes this.
  14. WinniWoman

    WinniWoman TUG Review Crew: Veteran TUG Member

    Joined:
    Jul 16, 2010
    Messages:
    8,713
    Likes Received:
    4,246
    Trophy Points:
    399
    Location:
    Pine Bush, New York
    Resorts Owned:
    Smugglers Notch Resort
    Innseason Pollard Brook
    All the supplement plans are different, so just because they were all Humana, doesn't mean anything. If they were all Part N, or Part C or Part G or Part F- that is what matters. You have to compare apples to apples.

    A Part G plan is not the same as a Part N plan, for example, but can be issued by the same insurance company.
     
    Steve Fatula likes this.
  15. WinniWoman

    WinniWoman TUG Review Crew: Veteran TUG Member

    Joined:
    Jul 16, 2010
    Messages:
    8,713
    Likes Received:
    4,246
    Trophy Points:
    399
    Location:
    Pine Bush, New York
    Resorts Owned:
    Smugglers Notch Resort
    Innseason Pollard Brook
    I just signed my husband up for Part F and a cheap Part D prescription plan where his drug is covered for $0 with mail order or a preferred pharmacy. With moving and everything did not want to rack my brains anymore. When we get to the new state I will call VIA benefits in the 60 day window for him to see about new plans or whatever- mainly because part D I know you have to change as they are localized and also because he maybe can get a cheaper rate for Medigap. We shall see. I know he can keep the same plan by just calling Empire and giving them the new address and asking for the new rate, but this stupid VIA benefits co. insists we have to call them to keep our HRA contribution. I still don't get that one if we are able to keep the same plan they already sold us.:ponder:

    I am going to sign up for the expensive COBRA Aetna POS Choice II High deductible and decide about the ACA coverage when we move in the 60 day window allowed.

    Sick of the whole thing. Like the doc in the video said- this country's health system needs a major overhaul.:mad:
     
  16. VacationForever

    VacationForever Tug Review Crew: Rookie TUG Member

    Joined:
    Dec 5, 2010
    Messages:
    9,892
    Likes Received:
    3,757
    Trophy Points:
    398
    Location:
    Somewhere Out There
    It is called their ability to continue to be paid commission.
     
    WinniWoman likes this.
  17. bogey21

    bogey21 TUG Member

    Joined:
    Jun 8, 2005
    Messages:
    7,113
    Likes Received:
    1,844
    Trophy Points:
    449
    Location:
    Fort Worth, Texas
    You just put in anything you want!!! Don't they verify your income...

    George
     
  18. VacationForever

    VacationForever Tug Review Crew: Rookie TUG Member

    Joined:
    Dec 5, 2010
    Messages:
    9,892
    Likes Received:
    3,757
    Trophy Points:
    398
    Location:
    Somewhere Out There
    Yes. Once approved, it will ask for supporting document, like retirement letter or unemployment letter, bank account interest information etc. It is not painful.
     
    WinniWoman likes this.
  19. WinniWoman

    WinniWoman TUG Review Crew: Veteran TUG Member

    Joined:
    Jul 16, 2010
    Messages:
    8,713
    Likes Received:
    4,246
    Trophy Points:
    399
    Location:
    Pine Bush, New York
    Resorts Owned:
    Smugglers Notch Resort
    Innseason Pollard Brook

    Just to get rates you can put in anything you want on the website. No way can you verify your income for 2020 when it hasn't happened yet. I guess when you file your taxes at the end of the year, that is when they see what it is? I have no idea. I suppose you can tell them retired and no SS for next year? I really don't know and this stuff is one reason why I hate to get involved with this type of plan.
     
  20. WinniWoman

    WinniWoman TUG Review Crew: Veteran TUG Member

    Joined:
    Jul 16, 2010
    Messages:
    8,713
    Likes Received:
    4,246
    Trophy Points:
    399
    Location:
    Pine Bush, New York
    Resorts Owned:
    Smugglers Notch Resort
    Innseason Pollard Brook
    But if you are not changing plans or the insurance company- just the rate is changing? I don't understand.
     
  21. Steve Fatula

    Steve Fatula TUG Member

    Joined:
    Jun 12, 2017
    Messages:
    2,038
    Likes Received:
    1,294
    Trophy Points:
    224
    Location:
    Calera, OK
    Resorts Owned:
    Marriott Desert Springs Villas II 2BR
    Playa Andaluza Silver Seafront 2BR
    Destinations Points
    Zero. Medicare only pays 80% and our 20% was the amount that the supplement paid. If she had any hospitalization, which she did not, then, the Part A deductible by itself is more than we pay yearly for the supplement. And then you add copays.

    I don't believe the supplement covers anything that Medicare does not cover.
     
    Last edited: Nov 20, 2019
  22. VacationForever

    VacationForever Tug Review Crew: Rookie TUG Member

    Joined:
    Dec 5, 2010
    Messages:
    9,892
    Likes Received:
    3,757
    Trophy Points:
    398
    Location:
    Somewhere Out There
    Yes. If you make direct contact to change anything without going through the broker, the broker gets dropped from their system.
     
    WinniWoman likes this.
  23. WinniWoman

    WinniWoman TUG Review Crew: Veteran TUG Member

    Joined:
    Jul 16, 2010
    Messages:
    8,713
    Likes Received:
    4,246
    Trophy Points:
    399
    Location:
    Pine Bush, New York
    Resorts Owned:
    Smugglers Notch Resort
    Innseason Pollard Brook

    Aahh... I see. So- yes- I do have to call them first if we want that HRA money. Thanks.
     
  24. Brett

    Brett Guest

    Joined:
    Jun 6, 2005
    Messages:
    1,127
    Likes Received:
    325
    Trophy Points:
    243
    Location:
    Newport News, Va.
    yes, that's what you do. "Obamacare" health insurance premiums are based on income and if your income is more than what you initially submitted online then you pay more taxes next year.
     
    WinniWoman likes this.
  25. simpsontruckdriver

    simpsontruckdriver Guest

    Joined:
    Sep 24, 2011
    Messages:
    1,924
    Likes Received:
    171
    Trophy Points:
    123
    Location:
    Deltona Florida
    FYI, Annual Enrollment ends in less than a week! Then comes Open Enrollment between January 1 - March 31. During that time, you can change to a different MAPD once, but if you have Medicare + Part-D you can not change. You can change a Medicare Supplement, but the plan *may* deny Pre-Existing Conditions (aka underwriting - if you have no chronic conditions you have nothing to worry about). Insurers and agents will not advertise plans during OE, that is against CMS regulations. We can say the time of it (it is also listed on Medicare's website), but that is about it.

    TS
     

Share This Page