WTF what that drabble? Are you from America?
PFFS Plans Vs. Med Supps
- Thread starter bill3173
- Start date
WTF what that drabble? Are you from America?
- 707
You are cracking me up tonight
I read that crap eighteen times and still don't understand WTF he's trying to say...
- 707
I tried to translate it for you but I failed.
No two sentences make sense of the other so I can't help you.
No two sentences make sense of the other so I can't help you.
- 376
I'm waiting for Frank to chime in on this discussion. I would say that Med Supps allow choice of Doctors. If you want to go see a Specialist in Wyoming that is the best in the nation for a certain life threatening ailment, buy your ticket, make an appointment, and go see that Specialist. If you have a PFFS, just roll over and die. Copays for hospital stays will kill someone on a PFFS plan or any Medicare Advantage plan. Like someone stated above, the Med Adv. plans are great until you have a need for the benefits. Then you're in trouble. Med Supps are for the level headed, who aren't scared to spend a little cash for peace of mind. PFFS are for "Poor Folks Fixinta Save" a little bit of munay!
- 707
You know what Frank is going to say... 
Just what you said plus a bit to back it up.
PFFS and Med Adv have their place but if you can afford the Med Supp it's a better choice.
It's really a no brainer.
However, the folks on MA plans here in TX that I have met with seem to be fine with their MA plans. Even while in their 80's and 90's.
I've only heard of one lady cuss at them.
So they aren't that bad.
It's just obvious that if you can spend $200 or so a month on a Med Supp, you should...
And, yes, share your horror stories... I know they exist. But if you can't afford a Supp, it's really just what you are faced with .
I guess it's just your job to convince those that have an MA but could afford a Supp to switch before they lose everything
Just what you said plus a bit to back it up.
PFFS and Med Adv have their place but if you can afford the Med Supp it's a better choice.
It's really a no brainer.
However, the folks on MA plans here in TX that I have met with seem to be fine with their MA plans. Even while in their 80's and 90's.
I've only heard of one lady cuss at them.
So they aren't that bad.
It's just obvious that if you can spend $200 or so a month on a Med Supp, you should...
And, yes, share your horror stories... I know they exist. But if you can't afford a Supp, it's really just what you are faced with .
I guess it's just your job to convince those that have an MA but could afford a Supp to switch before they lose everything
- 1,255
Once a person starts paying Zero Premium they fail to plan for the future. Then when they start to realize they made a mistake they are tough to move to the 200 buck MedSupp.
These people will vote with their pocket book. I've already heard their anger!
These people will vote with their pocket book. I've already heard their anger!
maleman2045
Expert
- 87
Just to clear things up a bit, PFFS IS a type of a MA plan, so it does not make sense to compare the part to the whole.
Types of MA plans are:
MA-HMO
MA-PPO (or sometimes referred as a RPPO - Regional Preferred Provider Org)
MA-PFFS
MA-PPO and MA-PFFS plans may have a Rx benefit; I have not seen any MA-HMO (in Central FL) that do not offer a Rx benefit.
As far as the babble talker, I will take a shot at translating:
The benefit of the PFFS is similar to the way PPO and HMOs work. The doctors or facility must participate in the Medicare Program and accept the terms (PFFS) from the insurance carrier. Some PFFS plans have a partial network of doctors in a service area
In order to participate in a PFFS , the doctor or facility MUST accept payment in full from the insurance company and cannot balance bill the medicare beneficiary [/quote]
ROLFMAO.
I have nooo idea, but will take a stab at it, for prosperity's sake..PFFS is a TYPE of MA plan. This is true.
Med Supp is an MAPD. Uh, WRONG!!
If the service area does not contain MA-HMO or MA-PPO plans with a strong network, PFFS would be a logical choice.
Again, I disagree with this...
Look at one carrier who charges $200 monthly premium for its PFFS in Florida (the state is the service area).
Only older medicare beneficiaries that are enrolling today MAY have an oppty to save on the upfront monthly premium, but the back end potential costs (up to MOOP) will make it more expensive.
---
Babble Translation Services provided as a courtesy for my comrades on insurance-forums.net.
Mike
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- 15,319
maleman2045
Expert
- 87
As requested, I made a change.
Yeah, yeah, I can see how one may confuse:
- (PPO/HMO): Doctors in a network that accept terms and conditions to from the carrier to get paid
AND
- (PFFS): Doctors that are deemed by the carrier (accept terms and payment conditions from the carrier to get paid).
--Mike
