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I know that there are more than enough threads debating whether a med supp is better than an MA plan however I have never seen that compares a high deductible plan F VS a run of the mill advantage plan.
Heres my argument... A high deductible plan F with a $50 premium has a deductible of $1900 after which the beneficiary has no more deductibles, no more copayments,no more coinsurance and can go to any doctor or hospital in the country without a referal. While the beneficiary is within the deductible they are paying the 20% part b coinsurance, 135 deductible and part A deductibles. In arizona the average cost to see a doctor is about $100 so 100 x 20% equals an out of pocket of about $20 to see a doctor etc... If the part A deductible is 1068 for 60 days thats $17.8 dollars a day in the hospital(most MA plans are 200-$500 a day). The high deductible plan F would essentially give them a max out of pocket of $1900 which is much lower than most MA plans, and the out of pocket costs to see a doctor is very similar to most MA PPOs ($10-$20 copay) and 17.8 dollars per day in a hospital for 60 days a lot better than 2-$500 a day for most MA plans. So essentially I think that a $50 dollar premium high deductible plan F is better than just about any MA plan out there. Esepcially if the med supp company offers a free RX discount plan, vision, discounts, and hearig discounts.
What are your thoughts?
Heres my argument... A high deductible plan F with a $50 premium has a deductible of $1900 after which the beneficiary has no more deductibles, no more copayments,no more coinsurance and can go to any doctor or hospital in the country without a referal. While the beneficiary is within the deductible they are paying the 20% part b coinsurance, 135 deductible and part A deductibles. In arizona the average cost to see a doctor is about $100 so 100 x 20% equals an out of pocket of about $20 to see a doctor etc... If the part A deductible is 1068 for 60 days thats $17.8 dollars a day in the hospital(most MA plans are 200-$500 a day). The high deductible plan F would essentially give them a max out of pocket of $1900 which is much lower than most MA plans, and the out of pocket costs to see a doctor is very similar to most MA PPOs ($10-$20 copay) and 17.8 dollars per day in a hospital for 60 days a lot better than 2-$500 a day for most MA plans. So essentially I think that a $50 dollar premium high deductible plan F is better than just about any MA plan out there. Esepcially if the med supp company offers a free RX discount plan, vision, discounts, and hearig discounts.
What are your thoughts?