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stopbush

(24,727 posts)
Tue Sep 3, 2019, 06:22 PM Sep 2019

My first week on Medicare. What's different?

Sept 1 marked the start of my Medicare coverage. I have a Kaiser Permanente Advantage plan, so in addition to the $135 a month I have deducted from my SS for basic Medicare, I pay an additional $20 a month for hearing, vision and dental coverage.

That’s $155 a month, total.

Previously, I was on a KP plan thru Covered CA. I had a subsidy from Obamacare, so my monthly premium was under $4. But the devil is in the details. Under my old plan, I not only had co-pays, but I would get hit with charges later. For instance, I paid $60 to see my doctor at the time of the visit, and a month later I would get a bill for an additional $130 for the same visit. My deductible was $6500 a year.

I had been holding out to have a few things done until Medicare kicked in. Boy, I was not disappointed. Here’s what I paid today v what my old plan would have cost:

Specialist visit with ortho for my knee injury: $0 v at least $250 (got an exam, a cortisone shot and a new knee brace at no charge. Assuming that would have cost $250 on the old plan).

Labs: $0 v $10-200

Flu shot: $0 v $0

Topical ointment prescription: $0 v $90

Yes, I sure wish there was a way to have Medicare for All.

9 replies = new reply since forum marked as read
Highlight: NoneDon't highlight anything 5 newestHighlight 5 most recent replies
My first week on Medicare. What's different? (Original Post) stopbush Sep 2019 OP
I'm on the Kaiser senior health plan Cartoonist Sep 2019 #1
Most Medicare plans True Blue American Sep 2019 #3
Good into. Many forget the big $6500 deductible before ins. companies start paying. And... brush Sep 2019 #2
So you pay no deductible? whathehell Sep 2019 #4
No. My deductible is $4500 under KP. The difference is that there were services stopbush Sep 2019 #5
Okay, thanks stopbush. whathehell Sep 2019 #6
Today, I made a same-day appointment for an eye exam. stopbush Sep 2019 #7
Post removed Post removed Sep 2019 #8
"I guess people want a socialist country and wants government to handle everything." What do you cstanleytech Sep 2019 #9

Cartoonist

(7,579 posts)
1. I'm on the Kaiser senior health plan
Tue Sep 3, 2019, 06:28 PM
Sep 2019

Check your benefits. Mine include free membership in a local gym.

True Blue American

(18,574 posts)
3. Most Medicare plans
Tue Sep 3, 2019, 06:45 PM
Sep 2019

Include Silver Sneakers. That is free gym membership. It is great.

I visited a Clinic the other day, cost me $5. Doctor Office call, $5. Specialist $45. Deductable for Hospital, $4000, but have heard you can negotiate that.

Yes, I would like Medicare for all. We can get that if we vote democratic.

brush

(60,998 posts)
2. Good into. Many forget the big $6500 deductible before ins. companies start paying. And...
Tue Sep 3, 2019, 06:29 PM
Sep 2019

there's also the payroll deductions from every paycheck.

Glad you made out.

whathehell

(30,243 posts)
4. So you pay no deductible?
Tue Sep 3, 2019, 07:24 PM
Sep 2019

Wow..My spouse & I are paying WAY more than - I'll check out Kaiser Permanente.

stopbush

(24,727 posts)
5. No. My deductible is $4500 under KP. The difference is that there were services
Tue Sep 3, 2019, 08:13 PM
Sep 2019

and procedures under my old plan that were not covered until the deductible was satisfied 100%. For instance, my wife ended up in the Hoag ER in February with a bill over $5000 for a two-hour stay. Our Covered CA plan paid 0%. Treated the whole bill as deductible. Fortunately, we were able to apply for financial assistance thru Hoag’s Foundation- they covered it 100%. The ambulance bill for that ER trip was $900. Medicare is $250.

whathehell

(30,243 posts)
6. Okay, thanks stopbush.
Tue Sep 3, 2019, 09:05 PM
Sep 2019

I checked KP and, unfortunately, it's not available in my state. (Illinois)

stopbush

(24,727 posts)
7. Today, I made a same-day appointment for an eye exam.
Thu Sep 5, 2019, 08:45 PM
Sep 2019

Cost for exam = $0

And, my Medicare vision plan gives me a $325 benefit to the purchase of glasses every two years. I was able to get one pair of distance and one pair of reading glasses for $325.75.

I pay $20 a month for this coverage which also includes dental and hearing.

Response to stopbush (Original post)

cstanleytech

(27,873 posts)
9. "I guess people want a socialist country and wants government to handle everything." What do you
Mon Sep 9, 2019, 11:11 AM
Sep 2019

think the military is? Or the law enforcement not to mention the fire department they are all services needed to keep a country of our tech level functioning just like good healthcare is needed.

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