Good subject, since I will reach 65 April, 2012. I've been looking at the available advantage and supplemental plans offered by my retiree plans. They all seem similar, a little more dollars if you want a smaller co-pay. The biggie in my planning now is the SRT possibility later for me. Every one of the Advantage plans say that radiation treatmen is 'therepy' and therefore falls under the 20/80 rule.
My current plan, Cigna, says they will pay a pre-agreed amount for this treatment with the hospital. Say it is $50,000 total hospital billed. They may just pay $15,000. Of that $15,000, I would be responsilbe for 20%, or $3000. My current yearly out of pocket is $3400.
Under the Medicare plan, if I read it right, the only change is that there is no mention of me getting to pay the 20% of the pre-agreed amount. They every one just say I will be on a 20/80 plan and would be responsible for the full 20%, presumably of the $50,000, not the pre-agreed $15,000 or whatever. Is that making sense, from the experience of you guys who are already on it and had SRT?
James C. Age 63
Gonna Make Myself A Better Man tinyurl.com/28e8qcg
4/07: PSA 7.6, 7/07 Biopsy: 3 of 16 PCa, 5% involved, left lobe, GS6
9/07: Nerve Sparing
open RP, Path: pT2c, 110 gms., clear except:
Probable microscopic involvement-left apical margin -GS6
3 Years: PSA's .04 each test until 04/10-.06, 09/10-.09, 12/10-.09, 02/11-.08