TenOC
On the road -- Full time
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Joined: 03/08/2004
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Since because of health reasons, I am "grounded" in TN near Nashville and Family. I am thinking about changes from Medicare Supplemental plan F to a Medicare Advantage HMO plan this Fall to save $$. Your thoughts are welcome.
Please give me enough troubles, uncertainty, problems, obstacles and STRESS so that I do not become arrogant, proud, and smug in my own abilities, and enough blessings and good times that I realize that someone else is in charge of my life.
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rk911
DuPage County
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Joined: 05/30/2004
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1. Once you drop the supplement to switch and then decide you want to switch back you may be subject to medical underwriting or denied outright.
2. You, like us, have Plan F, a plan no longer offered.
3. The freebies hyped by the Part C hucksters may not match reality. Research thoroughly.
Rich
Ham Radio, Sport Pilot, Retired 9-1-1 Call Center Administrator
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2016 Itasca Suncruiser 38Q
'46 Willys CJ2A
'23 Jeep Wrangler JL
'10 Jeep Liberty KK
& MaggieThe Wonder Beagle
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Pawz4me
North Carolina
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Joined: 06/05/2007
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I belong to a very large support board for people with various cancers and other serious or chronic conditions. Medicare Advantage plans are referred to as Medicare Disadvantage plans. Tread carefully, and definitely buyer beware. I'm not yet 65 but when the time comes I will go with traditional Medicare. Because of what I've learned on that board there's no way I'd even consider a (dis)Advantage plan. If I had a Plan F there's no way I'd let it go.
Me, DH and Yogi (Shih Tzu)
2017 Winnebago Travato 59K
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fj12ryder
Platte City, MO
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Joined: 08/19/2003
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To me, it's like Dirty Harry says: "Do you feel lucky?". Having good health means your choice of plans is pretty much moot, but you have to decide if you feel lucky enough to drop the 100% coverage a plan "F" provides for partial coverage of a supplement plan. Plan "F" is an insurance policy, like any insurance policy it's a gamble. With Plan "F", it's one you hope you never use.
Howard and Peggy
"Don't Panic"
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propchef
NORCAL
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Joined: 10/02/2020
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Pawz4me wrote:I belong to a very large support board for people with various cancers and other serious or chronic conditions. Medicare Advantage plans are referred to as Medicare Disadvantage plans. Tread carefully, and definitely buyer beware. I'm not yet 65 but when the time comes I will go with traditional Medicare. Because of what I've learned on that board there's no way I'd even consider a (dis)Advantage plan. If I had a Plan F there's no way I'd let it go.
As someone with 2 types of blood cancer (myeloma and AML), I have to agree. Any "Advantage" plan is location specific and if you need treatment outside of your location or another state, there will be issues.
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