레이블이 United Health Care Dental Directory인 게시물을 표시합니다. 모든 게시물 표시
레이블이 United Health Care Dental Directory인 게시물을 표시합니다. 모든 게시물 표시

2013년 12월 1일 일요일

About 'united healthcare dental'|National healthcare







About 'united healthcare dental'|National healthcare








We               are               now               checking               out               the               various               options               for               people               65               and               over               who               qualify               for               Medicare.

Len               has               been               with               Humana,               Quality               Health               Plans,               and               back               to               Humana               for               the               past               9               years.

However,               from               November               15th               to               the               end               of               the               year               people               are               signing               up               for               the               2008               plans               and               these               are               being               presented               at               local               restaurants.
               AARP               Medicare               Complete               provided               through               SecureHorizons               sent               us               an               invitation               to               attend               a               seminar.

When               we               arrived               today               we               found               out               that               it               was               for               United               Healthcare.

We               also               plan               on               looking               at               the               Freedom               Health               Plan,               Optimum               HealthCare               Plan,               and               Wellcare.

We               will               also               go               for               an               up-date               on               Humana               to               ensure               that               we               are               getting               the               best               deal.
               You               may               wonder               why               we               are               going               to               so               many               but               Medicare               give               these               companies               the               money               they               would               spend               on               our               health               services               and               they               can               utilize               it               how               they               wish.

They               have               to               give               you               the               minimum               that               Medicare               does               but               then               you               have               to               way               up               the               other               benefits.

Each               company               varies               considerably.
               Most               have               no               premium               apart               from               the               $93.50               that               is               taken               out               of               your               social               security               for               Part               B.

Some               companies               even               give               you               back               that               $93.50               or               a               portion               of               it.

These               companies               then               charge               you               more               for               your               co-payments               or               drugs.
               All               companies               offer               you:
               Inpatient               Hospital               Care.
               Inpatient               Mental               Health               Care.
               Skilled               Nursing               Facility.
               Home               Health               Care.
               Hospice.
               Doctor               Office               Visits.
               Chiropractic               Services.
               Podiatry               Services.
               Outpatient               Mental               Health               Care.
               Outpatient               Substance               Abuse               Care.
               Outpatient               Services/Surgery.
               Ambulance               Services.
               Emergency               Care.
               Urgently               Needed               Care.
               Outpatient               Rehabilitation               Services.
               Durable               Medical               Equipment.
               Prosthetic               Devices.
               Diabetes               Self-Monitoring               Training,               Nutrition               Therapy               and               Supplies.
               Diagnostic               Tests,               X-Rays,               and               Lab               Services.
               Bone               Mass.
               Colorectal               Screening               Exams.
               Immunizations.
               Mammograms.
               Pap               Smears               and               Pelvic               Exams.
               Prostate               Cancer               Screening               Exams.
               Prescription               Drugs               (Medicare               Part               D.)
               Dental               Services.
               Hearing               Services.
               Vision               Services.
               Physical               Exams.
               Health/Wellness               Education.
               Depending               on               the               company               you               choose               the               out               of               pocket               expenses               will               vary.

You               will               immediately               save               the               $131               deductible               that               Medicare               take               from               you               as               soon               as               you               use               any               of               the               services.

Medicare               also               has               a               20%               coinsurance               on               many               of               these               services               whereas               you               would               only               pay               the               co               pay               depending               on               which               company               you               use.
               For               someone               who               is               relatively               healthy               you               may               not               need               to               check               out               all               the               providers               in               your               area               but               for               someone               like               my               husband               with               3               chronic               illnesses               it               can               save               hundreds               of               dollars               throughout               the               year.
               We               pick               an               HMO               for               it's               Part               D               prescription               benefits.

I               have               to               say               that               the               last               2               years               I               have               managed               to               keep               Len's               costs               to               0               even               though               he               is               on               Insulin,               Plavix,               and               the               generic               of               Zocor.

With               the               help               of               his               doctor's               office               giving               a               few               samples               and               my               calculations               he               has               stayed               below               the               donut               hole.

Part               D               initial               coverage               for               2008               will               be               $2.510               for               drugs.

Once               you               reach               this               amount               (donut               hole)               you               are               responsible               for               100%               of               your               drug               costs               until               it               reaches               $4,050.

After               this               the               co-payments               run               just               a               few               dollars               with               each               of               the               companies               plans.
               As               we               do               not               have               socialized               medicine               here               in               the               states               it               is               necessary               to               stretch               those               dollars               as               much               as               we               can.

Medicare               on               it's               own               was               good,               but               if               you               can               get               better               coverage               at               no               additional               cost,               then               I               would               suggest               you               check               out               what               is               available               in               your               area.






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