Switching from Medicare Advantage to original Medicare plus Medigap and PDP.

[LostDollar]

You do not have $2870 out of pocket before any benefits are paid. Medicare is paying their share.

For HDG, doesn't the Part B deductible figure in there somewhere?

 

[goillini52]

You do not have $2870 out of pocket before any benefits are paid. Medicare is paying their share.

True, I wasn't looking at it in the right way....but you do have some benefits with MA that pay 100% right off the bat...such as PCP office call, labs and so on.

Again, I'm not a fan of MA....or HD.

 

[goillini52]

Correct. And a lot of people get that wrong. Probably one reason for the low sales. Another reason is probably the low commissions. I mean, what agent in their right mind wants to spend more time explaining something that gets them maybe 1/3 or 1/4 the commission as Plan G?

Bingo.

 

[rousemark]

For HDG, doesn't the Part B deductible figure in there somewhere?

Yes

 

[rousemark]

True, I wasn't looking at it in the right way....but you do have some benefits with MA that pay 100% right off the bat...such as PCP office call, labs and so on.

Again, I'm not a fan of MA....or HD.

But for serious expenses such as a hospital stay you have pretty hefty copays for the first 5 or 6 days. Plus fairly large copays for OP xray, CTs, ect. and ambulance.