Medicare Question

[somarco]

I haven't seen out of pocket cost figures that high.

Compare pt copay's to Medicare allowance for doc and lab.

 

[gregj]

Compare pt copay's to Medicare allowance for doc and lab.

hmm. that's not usage data, that's plan design. 2 different things

 

[somarco]

This isn't rocket surgery.

In 3 yrs on Medicare my 20% share for doc has never been more than $15 or $16. Most of the time it is $8 to $14 and as low as $3

Never paid a dime for lab.

Several dozen clients on plan N with similar results.

AND we can use any provider.

What a country

"Usage data" is helpful if you are talking to actuaries about charts and averages.

My clients take it down to a personal level and want to know what THEY can expect to pay.

Also, I don't have any average clients.

All the women are strong, the men are good looking and the children above average

 

[Hopes]

1) Part A deductible is per benefit period which can be every 90 days or earlier for a different illness...so you can have a lot of Part A deductible charges in a year, for a chronic illness

2) Part A is mainly for room & board hospital stay, you can have a lot of Part B claims in a hospital..which would be subject to the 20% coinsurance.

So to say one pays “better” than the other is not possible to compare.

It appears you did not read the entire conversation because I was not questioning the items you listed.