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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