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Medicare and Health Care


*This is a non-medical board. This site shall not be used to seek professional, medical or legal consultation.

Medicare is health insurance for people age 65 or older, under age 65 with certain disabilities, and any age person with End-Stage Renal Disease (ESRD). There are many different parts to Medicare; with all of these options, it can be confusing.

This forum will allow members to share their experience with medicare and seek advice* on certain medicare-related situations.

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usmc1963  
#1 Posted : Friday, October 26, 2018 5:53:10 AM(UTC)
usmc1963

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Is this plan as good as Basic BCBS
upandup  
#2 Posted : Saturday, November 03, 2018 7:53:09 PM(UTC)

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It's a plan focused on driving a low premium. It may be a good choice if you don't anticipate much healthcare usage, but the 30% coinsurance on many services plus the deductible make it more expensive than Basic for many use cases. https://www.fepblue.org/...plans/compare-plans-2019
DanielJoseph  
#3 Posted : Tuesday, November 06, 2018 6:02:15 AM(UTC)
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But if you have Medicare arent the copays, coinsurance and deductibles waived?
DanielJoseph  
#4 Posted : Tuesday, November 06, 2018 6:38:04 AM(UTC)
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Here's my opinion based on a call to BCBS. I would save $1,440 by substituting focus for basic but basic provides a $600 medicare reimbursement per person which focus does not. I have a self plus 1 plan. The Basic benefits are better in the sense that you see a $ amount versus a % amount which is better for planning. I dont think BC would offer a new plan unless it saved them some $. Comments?
upandup  
#5 Posted : Tuesday, November 06, 2018 4:38:45 PM(UTC)

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Originally Posted by: DanielJoseph Go to Quoted Post
But if you have Medicare arent the copays, coinsurance and deductibles waived?


Yes, if you have primary Medicare A & B, most copays, coinsurance, and deductibles are waived. (The big exception is prescription drugs.)
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