Reply to My IQ is around 130+ but Medicare decisions have me feeling like an idiot

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[quote=Anonymous][quote=Anonymous][b]There are Medicare Advantage programs that give more benefits than Part A + Part B, for no more than Part B would otherwise cost. They can be likened to HMO's. [/b]There is also Medigap insurance available that covers certain copays and deductibles. And Part D prescription coverage.

Complex, confusing, caveat emptor. [/quote]

But be careful, also like HMO's they control and restrict where/what you can use Medicare for. Say you need post-hospital inpatient nursing or rehabilitation. Every skilled nursing facility accepts Medicare, and no prior authorization is needed assuming the facility believes you meet the general Medicare criteria. But if you have a Medicare Humana plan, for example, Humana has to agree that you need that level of care, pre-authorize it, and then you are stuck with whatever limited locations are in the Humana network. Just food for though. As a hospital case manger I have a much smoother path to get someone in the facility of their choice when they just have plain old Medicare.[/quote]

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