Stand Alone Cancer plans..?

[rousemark]

An MA plan with a stand alone cancer policy as a lower priced option to a med. supp and stand alone pdp ... In Ohio if that matters ... thoughts ..?

Verses using a H.I.P to offset the potential MA costs ..?

Medicare does provide coverage for chemotherapy. However, a person may have to pay up to 20% of the costs of the treatment out-of-pocket, depending on the type of health insurance they have.
A 2017 study Trusted Source found that people with Medicare paid an average annual out-of-pocket amount of $5,976–$8,115 for chemotherapy. The average out-of-pocket cost for those with employer-based insurance was $5,492 a year.
Research from 2019 found that the average out-of-pocket costs of chemotherapy under Medicare Part D varied depending on the type of medication doctors prescribed. In some cases, the cost could exceed $8,000.

The total out of pocket will not exceed the plan max OP. Those figures are based only what Medicare pays, not what may be paid by a supplement or an Advantage plan. When it comes to Advantage plans the problems with access to providers and pre-approvals are far greater than OOP costs.

 

[MedicareMutt]

The total out of pocket will not exceed the plan max OP. Those figures are based only what Medicare pays, not what may be paid by a supplement or an Advantage plan. When it comes to Advantage plans the problems with access to providers and pre-approvals are far greater than OOP costs.

Well no kidding "doesn't exceed plan oop ..." Chemo would knock that out is my point ... look, everybody wants to jump on the MA bash wagon ... yeah, I get it, a supp. has more access / coverage ... SOME PEOPLE AIN'T COME'N UP WITH THE PREMIUM ..? And some ain't on Medicaid ...

 

[rousemark]

Well no kidding "doesn't exceed plan oop ..." Chemo would knock that out is my point ... look, everybody wants to jump on the MA bash wagon ... yeah, I get it, a supp. has more access / coverage ... SOME PEOPLE AIN'T COME'N UP WITH THE PREMIUM ..? And some ain't on Medicaid ...

Not sure the point of this. I certainly am not on the MA bandwagon. I has an Advantage for a short time in order to get the GI conversion right. Ended up in the hospital before I switched back to OM. It was horrible but my max OoP was only $3900 which is considerably less than the figures he quoted. The problem is with the MA and cancer plan combo, it still leaves you exposed to the thousands of other conditions that can run up considerable costs. I "just" had pneumonia and still hit my MoP in just a couple of months.

 

[MedicareMutt]

Not sure the point of this. I certainly am not on the MA bandwagon. I has an Advantage for a short time in order to get the GI conversion right. Ended up in the hospital before I switched back to OM. It was horrible but my max OoP was only $3900 which is considerably less than the figures he quoted. The problem is with the MA and cancer plan combo, it still leaves you exposed to the thousands of other conditions that can run up considerable costs. I "just" had pneumonia and still hit my MoP in just a couple of months.

O.K., so you had a lower o.o.p max MA ... all I'm say'n is ... some people don't want or can't pay 4 - 500 bucks a month for a supp. ... and over time, that's where they go to ..? there's an argument that says one could save $100 a month or more over 10 - 30 years to off set the MA o.o.p risk ... I mean homeboy was talk'n about his 97 year old client of 27 years ... what's her supp. run'n ..? I have a 73 year old pay'n 248 per mo. ... PLUS a stand alone pdp ... they get pricey over time is all I am say'n ...

 

[Life Hawk]

Another dummycrat ... "pointed ..?
" Just say what you mean bird boy ..?

... I guess what I mean is you sound like a jerk... I'm not a demmy... and I'm sure your momma loves, cause you don't provide much reason for others to.

BTW... I hope you get your answer and the sun shines on your day.

"Bird boy" thanks for the compliment

 

[goillini52]

Switched her probably 10 times, the last time about a year ago. She's at $270 a month.

Most cancer plans have a lump sum immediate benefit payablee upon diagnosis.

UNL has a schedule of benefits plan that you can add the lump sum benefit to it, so in my opinion UNL has the bestest value cancer plan.

 

[goillini52]

Another dummycrat ... "pointed ..?
" Just say what you mean bird boy ..?

He's on our side.

 

[MedicareMutt]

... I guess what I mean is you sound like a jerk... I'm not a demmy... and I'm sure your momma loves, cause you don't provide much reason for others to.

BTW... I hope you get your answer and the sun shines on your day.

"Bird boy" thanks for the compliment

I was gonna say bird brain ... but that would have been "pointed ..."

 

[MedicareMutt]

Switched her probably 10 times, the last time about a year ago. She's at $270 a month.

Most cancer plans have a lump sum immediate benefit payablee upon diagnosis.

UNL has a schedule of benefits plan that you can add the lump sum benefit to it, so in my opinion UNL has the bestest value cancer plan.

Nice. "UNL ..?" Also, what plan type ..? Surprisingly low ... High Ded. G ..?

 

[Life Hawk]

I was gonna say bird brain ... but that would have been "pointed ..."

Yes, and it would have made you sound like a "mutt" lacking pedigree.