Is High Deductible Plan F the Best

the HDF, the HDG which will come, L and N all leave a person exposed to a potentially large number in different ways.

The HDF only exposes you to about $1,200 more than a Plan F when you include the premium difference. The N maybe $250-300.

You think you understand insurance but you don't.

And after all this time haven't you figured out what plan to buy? Or will this go on forever?

Rick
 
The HDF only exposes you to about $1,200 more than a Plan F when you include the premium difference. The N maybe $250-300.

This misses what I was trying to comment about.
Plan L and Plan HDF seem to go to quite similar out of pocket levels of expenditure. Plan N could have a range of out of pocket expenditures of anywhere from a few hundred dollars to amounts far in excess of Plan L and HDF amounts. It would be interesting to know why each of them was placed in the medicare plan spectrum with the characteristics they have. I have presumed that answer would involve some research into the origins of medicare which I have not had the need or time to do at the moment.


You think you understand insurance but you don't.
Rick
I may or may not. Since it was established earlier in the thread that I am not going to be your client, it is not a useful conversation to have with you.


And after all this time haven't you figured out what plan to buy? Or will this go on forever?

You know, at one point I had taken the time to find your website and look through it. I was actually quite impressed. Prior to some of the comments in this thread, I had considered pm'ing or calling you to ask for a little advice. However, the two comments above are great comments from someone who is more interested in harassing folks than helping them and I find them consistent in nature with your insulting avatar and the comment in one of your you tube interviews about not caring what you said or whether you upset people or something to that effect.


Or will this go on forever?

I have read, with interest, somarco's posts about "selling". My memory is poor enough I cannot cite a lot of what he has said, but basically I know that if I get a book called Question Based Selling and 2-3 books (any will do) by J Gitomer, I can capture the philosophical concepts he has presented.

The post I made above was basically a second response to somarco to say that in reading a post in which he expressed some concepts he brings to the process of selling medsups, I found a concept that was useful to me as a buyer of medsups.

You think you understand insurance but you don't.
Rick
I purchased a part D plan for the remainder of 2016 directly from medicare.gov so I don't know if that gives me any commissionable business there for an agent if I choose to continue the same plan in 2017.

I could also buy the part B plan I want directly from the carrier, however the nature of this site is such that I have not been able to garner much information about the business reputations and legacy rate increases of companies I might consider, whether it be for a plan HDF or a plan G as I was considering originally. I thought that rather than poaching on forum member's time with pm's and or phone calls, that it would just be better to talk with an agent licensed in my state offering business in exchange for information. Or - considering the product I want - if business is not an option, then a fee based consultation. I have pm'd several forum members whose judgement I respect based on forum posts. Most are not licensed in my state, but I am continuing to work my process and I am getting where I need to go. Since I am not your client, how long it takes shouldn't have much bearing on your life.

----------

My GPS is a woman. I always ask how to get someplace where I haven't been before, and I turn when she tells me.

One has to be careful in using this concept with my father-in-law. He turns precisely when told! :1rolleyes: (omitted comma deliberate)
 
This misses what I was trying to comment about.
Plan L and Plan HDF seem to go to quite similar out of pocket levels of expenditure. Plan N could have a range of out of pocket expenditures of anywhere from a few hundred dollars to amounts far in excess of Plan L and HDF amounts. It would be interesting to know why each of them was placed in the medicare plan spectrum with the characteristics they have. I have presumed that answer would involve some research into the origins of medicare which I have not had the need or time to do at the moment.


I may or may not. Since it was established earlier in the thread that I am not going to be your client, it is not a useful conversation to have with you.




You know, at one point I had taken the time to find your website and look through it. I was actually quite impressed. Prior to some of the comments in this thread, I had considered pm'ing or calling you to ask for a little advice. However, the two comments above are great comments from someone who is more interested in harassing folks than helping them and I find them consistent in nature with your insulting avatar and the comment in one of your you tube interviews about not caring what you said or whether you upset people or something to that effect.




I have read, with interest, somarco's posts about "selling". My memory is poor enough I cannot cite a lot of what he has said, but basically I know that if I get a book called Question Based Selling and 2-3 books (any will do) by J Gitomer, I can capture the philosophical concepts he has presented.

The post I made above was basically a second response to somarco to say that in reading a post in which he expressed some concepts he brings to the process of selling medsups, I found a concept that was useful to me as a buyer of medsups.


I purchased a part D plan for the remainder of 2016 directly from medicare.gov so I don't know if that gives me any commissionable business there for an agent if I choose to continue the same plan in 2017.

I could also buy the part B plan I want directly from the carrier, however the nature of this site is such that I have not been able to garner much information about the business reputations and legacy rate increases of companies I might consider, whether it be for a plan HDF or a plan G as I was considering originally. I thought that rather than poaching on forum member's time with pm's and or phone calls, that it would just be better to talk with an agent licensed in my state offering business in exchange for information. Or - considering the product I want - if business is not an option, then a fee based consultation. I have pm'd several forum members whose judgement I respect based on forum posts. Most are not licensed in my state, but I am continuing to work my process and I am getting where I need to go. Since I am not your client, how long it takes shouldn't have much bearing on your life.

----------



One has to be careful in using this concept with my father-in-law. He turns precisely when told! :1rolleyes: (omitted comma deliberate)


Hey LD, I just PMed you somebody that's licensed in Kansas that you can contact.:yes:
 
Well, I get to take this for a test drive and see what happens.

Dr and specialist appts and probably an operation.

My big concern at the moment is whether medicare will pay for the operation.

We'll see.
 
Well, I get to take this for a test drive and see what happens.

Dr and specialist appts and probably an operation.

My big concern at the moment is whether medicare will pay for the operation.

We'll see.


I'll bet that you're wishing you'd taken out Plan G now. Good luck with the surgery LD. Why do you think that Medicare might not cover it?
 
I'll bet that you're wishing you'd taken out Plan G now.

Nope. What am I saving-don't remember exactly-but say it's $90 a month-Nov to Mar=$450. I think the last finger surgery I had because of a splinter problem was around $1200. So say this is $1500 and I have to pay 20% I'm still ahead. And if Medicare doesn't cover it-it sorta doesn't make any difference- but I do have that $450 towards the cost of the surgery. And I do have that premium difference, I've been putting it away in a savings account like I said I would. Just wasn't expecting to have to deal with something like this this soon. (And since I have the "Cadillac" plan, if anybody charges me excess charges, they'll go towards my deductible too.)

Good luck with the surgery LD. Why do you think that Medicare might not cover it?
My family doc says it's a cyst (in one of my fingers). I was trying to find some information about whether it would be covered and I started seeing reference to Medicare not covering cosmetic issues. With an oozing hole in my fingernail, I think I have a "risk of infection" type problem but I'll have to see what the specialist says.
 
Nope. What am I saving-don't remember exactly-but say it's $90 a month-Nov to Mar=$450. I think the last finger surgery I had because of a splinter problem was around $1200. So say this is $1500 and I have to pay 20% I'm still ahead. And if Medicare doesn't cover it-it sorta doesn't make any difference- but I do have that $450 towards the cost of the surgery. And I do have that premium difference, I've been putting it away in a savings account like I said I would. Just wasn't expecting to have to deal with something like this this soon. (And since I have the "Cadillac" plan, if anybody charges me excess charges, they'll go towards my deductible too.)


My family doc says it's a cyst (in one of my fingers). I was trying to find some information about whether it would be covered and I started seeing reference to Medicare not covering cosmetic issues. With an oozing hole in my fingernail, I think I have a "risk of infection" type problem but I'll have to see what the specialist says.


I'd think that would be covered. I forgot who you took, was it Medico?
 
Yes it was Medico. But it's Medicare I'm worried about. If Medicare doesn't pay, Medico won't.

My fingernail has been delaminating for months and now it has a hole in it. So Medicare could say "We're not spending government money just sos you can have purty fingernails". No Medicare-No Medico.

Hopefully what they will say is that since there is an intermittently bursting cyst behind the hole, there is a risk of infection to the finger and treatment is covered. Medicare pays, Medico pays.

That has been my worry about Medicare for years compared to the group plans, I've been afraid of just loosing coverage for medical conditions and my initial experience with it is now being with something that is a little less clearcut than cancer or a heart condition or at least some joint replacements.

I'll have to see what the specialist says.
 
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