I had a friend that tried an advantage plan. She's still paying off her bills from that year. She was stuck in it and could not get out. And she was unable to go back to her previous plan with Medicare. She now she has regular Medicare and a supplement.
Before retiring I would check with my work. HR department and see what they have available for you when you retire. At our work there was fine print that stated we had to do XYZ for 5 years to be eligible for our insurance coverage when we retired. Thankfully we had done that so we are able to keep it... While paying a monthly premium. It supplements Medicare so I am relieved but still worried about
I can't believe that insurance does not cover supplements for people with IBD. I pay over 150. a month in vitamin supplements plus my medications. 😐
As far as the healthcare in the USA. I am grateful for what we have. Can it be improved? Of course. I don't think there's a country or health care system that can't be improved upon. I'd much rather deal with the American system than with some others. Others wait times and processes truly irritated me. They seem to be very linear. You have to do A, then B, then C...and so on. Trying to go from A to G directly is very very difficult. At least in the US I was able to go from A to M with only 1 dispute with our insurance company. We were never able to accomplish that in other places.... But perhaps we didn't understand the other systems enough.
Research like crazy. A mistake here can negatively impact us for years.
Post Edited (clo2014) : 10/19/2022 11:38:24 PM (GMT-7)