I'm trying to understand what's happening to Medicare Advantage HMO plans as a result of the various health care bills/laws that have been passed, or are being considered. Does anyone have a grasp of the situation? After President Obama's health care law, I'm pretty sure that medicare advantage plans were negatively affected. Now the republicans have proposed their budget that screws with Medicare & Medicaid and from what I'm reading, once again those dual elligible/medicare advantage plans are taking it on the chin even worse! All I know is about a year and a half ago I was doing just fine on my medicare advantage HMO Bravo. My doctors were covered as well as my prescriptions and everything was fine. Then they notified me they were dropping me from coverage. So I searched the medicare.gov website and found Cigna, another medicare advantage HMO plan. My doctors were covered and my prescriptions as well. Then Cigna notified me that again I was being dropped and would have to find another company. However, when I went back to the medicare.gov website, there were hardly any plans available to me...and none of the plans would cover both of my doctors (Primary physician & Pain Doctor). Apparently my pain doctor had decided to stop participating in any medicare/medicaid plans. So I had 2 choices...1) Pick a plan and lose my pain doctor and my lifeline of pain meds...Not really a choice...or 2) Switch to straight Medicare which the doctors have to accept and pay 20% of all bills. That's what I did and so far so good, because 20% of the doctor's bills was similar to the co-pay I had to pay previously. However, that brings me to my current problem. I used to have a good knee (Right) and a bad knee (Left knee...11 operations and void of muscle strength). However, somehow my "good" knee started hurting real bad and was getting worse over the several months I tried to ignore it. The MRI shows I have torn meniscus in my "good" knee and I need to see an orthopedic surgeon for a probable surgery. There's no way I can afford to pay 20% of an operation (Surgeon, hospital, anesthesia, etc). So I'm suffering with progressively worsening pain in my right knee, to go along with the already painful left knee (Bad knee). This is on top of my daily, constant debilitating nerve pain throughout my back, legs, feet, groin, arms, hands, etc. And I have NO idea what to do about it...I feel totally stuck with no good options other than worsening and never-ending pain. Does anyone out there have any more information about what's happening with dual elligible/medicare advanytage HMOs?
Herniated Lumbar Disks L5 S1, L2 L3
Herniated Cervical Disks C6 C7
Degenerative Arthritis Left Knee
Pes Planus Both Feet
Brachial Plexus/Thoracic Outlet Syndrome
Nerve Pain in Arms, Hands, Back, Legs, Feet, Groin, Testicles