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Post by cadoodlebug on Aug 14, 2015 20:07:33 GMT
Call your physicians and ask if they will accept Kaiser before you decide to go with them. I only know that someone I know loves them--but she lives in California. Kaiser doesn't work like that. All the physicians you go to are employed by Kaiser.
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Post by izzyscraps on Aug 14, 2015 21:29:37 GMT
My husband is an independent agent for Medicare plans. It is all very confusing to me!
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Post by librarylady on Aug 15, 2015 1:01:34 GMT
Call your physicians and ask if they will accept Kaiser before you decide to go with them. I only know that someone I know loves them--but she lives in California. Kaiser doesn't work like that. All the physicians you go to are employed by Kaiser. Ah, ha.........so, it is an HMO, yet not an HMO.......... You would be locked into their doctors only, correct? Does Kaiser have its own hospitals also?
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Post by tarheelgurl on Aug 15, 2015 1:16:52 GMT
I found a Plan F supplement for $115 month. Of course as you age the premiums will increase. All the plans are standarized or the same no matter what company you buy from. The same plan F that costs me $115 with Equitable Life might be $300 with another company. You just have to shop around. When I go to the doctor or specialist I pay nothing, zero $$.That's why I wanted Plan F.I'm extremely happy with my plan. I pay $23 month for my prescription plan.Some of my meds are under $3 for a 3 month supply. My financial adviser told me I'd love Medicare and I am beginning to think he knew what he was talking about. ETA: You have 6 months of open enrollment to purchase a Medigap plan. In that period of time you cannot be turned down for coverage. If you try to purchase after that you stand a chance of being refused coverage and of course as you age you probably would definitely be refused. Be careful with that. If you don't purchase a prescription plan and decide down the road you want one you will be penalized a percentage for not purchasing when you turned 65. You'll pay that extra percentage for the rest of your life.
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Post by ntsf on Aug 15, 2015 1:22:43 GMT
kaiser has own clinics and hospitals... we considered them...but my dh wants to keep seeing his expert ortho doc at stanford...one of the few in the country who does what he does.
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Post by cadoodlebug on Aug 15, 2015 1:27:40 GMT
Kaiser doesn't work like that. All the physicians you go to are employed by Kaiser. Ah, ha.........so, it is an HMO, yet not an HMO.......... You would be locked into their doctors only, correct? Does Kaiser have its own hospitals also? Yes, they have their own hospitals, rehab centers, etc. If you need an operation that is specialized and they can't perform it, they send you elsewhere. A friend had a heart procedure at Stanford Medical Center.
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Post by quinlove on Aug 15, 2015 2:18:42 GMT
Thank you all so much for the replies and information. So Kaiser is out for me. Now I need to find a supplement plan that I can afford. Now I'm leaning towards a Plan N.
I work in a retail store and I am actually asking women customers what Medicare Plan they have !! If I have established a connection while assisting them and I feel comfortable asking them - I ask. A lot use an Advantage Plan and I possibly could if it was a PPO. (I think).
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Post by cadoodlebug on Aug 15, 2015 3:01:50 GMT
Thank you all so much for the replies and information. So Kaiser is out for me. Now I need to find a supplement plan that I can afford. Now I'm leaning towards a Plan N. I work in a retail store and I am actually asking women customers what Medicare Plan they have !! If I have established a connection while assisting them and I feel comfortable asking them - I ask. A lot use an Advantage Plan and I possibly could if it was a PPO. (I think). I'm sorry it didn't work out, would you mind telling us why? ETA: Or tell us it's none of our business.
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