-----Original Message-----
From: SpaceRace65 <SpaceRace65@aol.com>
To: opendebateforum <opendebateforum@googlegroups.com>
Sent: Fri, Nov 1, 2013 11:44 pm
Subject: Re: Health insurance.
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-- From: SpaceRace65 <SpaceRace65@aol.com>
To: opendebateforum <opendebateforum@googlegroups.com>
Sent: Fri, Nov 1, 2013 11:44 pm
Subject: Re: Health insurance.
Annie, from the time I turned 65 until last year I carried regular Medicare and a supplemental policy with AARP. Every year I would get hundreds of letters from various companies offering Medicare Advantage. But I knew that was a HMO and I had had a HMO once before years ago when I was working and I hated it. But last year I became completely disillusioned with AARP because it seemed every year their premiums were increasing by 20% or more, plus they showed their ass when they came out in favor of Obamacare and the theft of $716 billion from Medicare to help pay for it. I dropped them like a hot potato, let my membership lapse and joined AMAC. Then, on the suggestion of my regular doctor, I called Texas HealthSpring, one of the Medicare Advantage outfits in this area.
They sent a salesman out to talk to me and I was totally surprised. I pay no premiums (other than my Medicare premium). Visits to my primary doctor are no cost and visits to specialists require a referral and a $30 copay. I checked all the details before signing up, and all the specialists I use are members of Texas HealthSpring as is the local hospital. Generic prescriptions are generally $4 instead of the $7 I was paying before.
I haven't heard if anything is going to change for 2014 or not, but that's the way it was in 2013.
In a message dated 11/1/2013 9:32:59 P.M. Central Daylight Time, gtheist957@gmail.com writes:
On Thu, Oct 31, 2013 at 10:53 PM, <Annie39@aol.com> wrote:
> We are not in a risk pool, I am in the health profession, you don't think I
> know how to pick health insurance?? I posted before, we have Medicare
> Advantage Insurance. If we choose, we could also take the zero premium,
> which is also a good policy. Have you ever heard of Today's Options?
> Excellent plan. LOL eat your heart out, gth. Doctor co pays are $25 per
> visit, for us that is about $100 at the most for me, sometimes only $50.
> Specialists are $50 per visit, and that comes to $150 for the both of us.
> Pray, tell me how that even comes close to $3K. Our premiums come to $764
> per year. (for the 2 of us). Still no where near $3K. If you are over 65,
> shop around, good health insurance's are available. How are we stealing
> money from self employed or small business owners? This is an independent
> policy. Oh, yeah, check into AARP-- they offer a good policy too. Did I
> mention, for $36 a month, I have complete medical, drugs and vision. Can't
> beat that, we have held this policy for 4 years now, have never gone wrong
> with it.
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