New work rules and cuts in food stamps. (city, USA, great)
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Medicare Advantage has prescription coverage. So does Medicare D, and Medicaid (if one is a needy senior).
But then you have the huge co-pays when you get sick, like my mother did. Either way, you are putting money out of pocket that could easily result in seniors struggling to buy food, which was my main point. Low and middle income seniors struggle. And prescription drugs is only one of the factors I mentioned affecting them.
It is far cheaper to pay for people to get adequate nutrition and health care at home, then to take care of them in nursing homes.
But then you have the huge co-pays when you get sick, like my mother did. Either way, you are putting money out of pocket that could easily result in seniors struggling to buy food, which was my main point. Low and middle income seniors struggle. And prescription drugs is only one of the factors I mentioned affecting them.
It is far cheaper to pay for people to get adequate nutrition and health care at home, then to take care of them in nursing homes.
There are no huge co-pays with Medicare. I know an elderly person who had cancer and no co-pays or very little. Also, I know a senior who had a heart attack and was hospitalized and hardly any co-pays there either.
I'm all for helping the elderly, our Vets and others who are truly needy by no fault of their own but this is about food stamp reduction and those who are able bodied to work should not be on them. Also, having kid after kid and being on food stamps to support them needs to be corrected also.
Medicare Advantage has prescription coverage. So does Medicare D, and Medicaid (if one is a needy senior).
Go to medicare.gov and look at some of the medicare advantage plans, some of them have the highest out-of-pocket allowed, $6700 a year. Others charge large co-payments for lab work and specialists visits. It's clear that you don't know much about medicare advantage or you would be aware of the significant shortcomings of most of the plans.
My husband has a medicare advantage plan and when we lived in Nevada he needed to see an ENT doctor. The plan didn't contract with one locally so they scheduled him to see one in San Francisco, 185 miles away. I have an employer paid medicare supplement, I can add my husband but it would cost $350 a month and he thinks that's too much. Hopefully at some point he will agree, I have zero co-pays, zero deductibles and a maximum $1500 out of pocket and it's a PPO so I am free to choose physicians from three large networks, Sutter, Mercy and UC Davis.
There are no huge co-pays with Medicare. I know an elderly person who had cancer and no co-pays or very little. Also, I know a senior who had a heart attack and was hospitalized and hardly any co-pays there either.
I'm all for helping the elderly, our Vets and others who are truly needy by no fault of their own but this is about food stamp reduction and those who are able bodied to work should not be on them. Also, having kid after kid and being on food stamps to support them needs to be corrected also.
There are large co-insurance payments, yes indeed. Hospital stays at 20%. Multiple hospital visits. Stints in nursing home/rehab........
There are no huge co-pays with Medicare. I know an elderly person who had cancer and no co-pays or very little. Also, I know a senior who had a heart attack and was hospitalized and hardly any co-pays there either.
I'm all for helping the elderly, our Vets and others who are truly needy by no fault of their own but this is about food stamp reduction and those who are able bodied to work should not be on them. Also, having kid after kid and being on food stamps to support them needs to be corrected also.
She may have had Medicaid managed Medicare plan. That is what my mother has now because she’s on long term Medicaid in assisted living. and it is good. However when she had a regular advantage plan She had huge co-pays which I already detailed. Three weeks in rehab and her share was over $2000. As I said, it wouldn’t even cover the ambulance to the hospital, which was almost $500 itself.
I’ve been working in skilled nursing home rehab for 20+ years, I am very familiar with how Medicare and Medicare advantage plans work. If advantage plans covered 100% of everything, then why would anyone get traditional Medicare when it only covers 80%, along with a $400- $500 a month deductible to pay the other 20%? They wouldn’t, they would all get advantage plans if advantage plans covered 100% of everything. They don’t. When I got power of attorney, I switched my mother from her advantage plan to traditional Medicare with a $350 a month supplemental plan in place of her zero premium advantage plan as soon as the next open enrollment period came, because her bills as her care needs increased were astronomical.
She may have had Medicaid managed Medicare plan. That is what my mother has now because she’s on long term Medicaid in assisted living. and it is good. However when she had a regular advantage plan She had huge co-pays which I already detailed. Three weeks in rehab and her share was over $2000. As I said, it wouldn’t even cover the ambulance to the hospital, which was almost $500 itself.
I’ve been working in skilled nursing home rehab for 20+ years, I am very familiar with how Medicare and Medicare advantage plans work. If advantage plans covered 100% of everything, then why would anyone get traditional Medicare when it only covers 80%, along with a $400- $500 a month deductible to pay the other 20%? They wouldn’t, they would all get advantage plans if advantage plans covered 100% of everything. They don’t. When I got power of attorney, I switched my mother from her advantage plan to traditional Medicare with a $350 a month supplemental plan in place of her zero premium advantage plan as soon as the next open enrollment period came, because her bills as her care needs increased were astronomical.
No, in both cases they had regular Medicare with plan B also which is the supplement to it.
There are large co-insurance payments, yes indeed. Hospital stays at 20%. Multiple hospital visits. Stints in nursing home/rehab........
You're wrong. I know as I am on Medicare. I had a stay in the hospital for a few days myself and didn't pay a red cent. You can stay in a nursing home for a few weeks without paying anything also.
But then you have the huge co-pays when you get sick, like my mother did.
What huge co-pays? If your mother was truly that poor, she'd have Medicaid. No co-pays.
If she isn't that poor, why didn't she have a supplemental policy to cover co-pays?
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