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| First let me say I'm not an insurance...nor am I a SHICK advisor.
But I do work with a number of people apply for disability, foid stamps (Snap), and the local churchs refer folks to me to have someone "help them". Several years ago...I was told by a major university medical center, I had can of the lung, the gallbladder and liver...I was fastlined to have a lung removed..gallbladder removed..part of the liver removed..and placed on the liver transplant list. At the time I had Christian Healthcare Ministry, a medishare. It takes a month or two and you have to sign the paper your responsibility to pay...with all the labs, ct, mri, biopsy, drs...etc...CHM paid every cent. In the meantime I researched alternatives...such as MdSave, drugs plus cost, other things.
Long story short...the university forced me to prove we could afford it....I had to have a real estate appraisal done showing at least $1,000,000 in assets. CHM was willing to pay...but told they lie..well they then said you must get a real insurance...so I got ACA.
I work with some seniors and disabled. Locally, the clinic (except for 1 dr) do not accept any advantage plan...and the hosp also do not accept advantage...so now a minium of 30 miles.
Advantage plans get what you pay for a and b...and they try to make it work...consider a is roughly $500 and b $185..
If you have a bunch of young and healthy seniors...you would make $$$ but that is happening....and more and more advantage programs folding...is they are loosing money due to rising health cost..some hosp and clinic will not accept certain advantage plans due to the low reimbursement rates (mayo is no longer taking one or or more advantage plans.
Granted supplements (medigap and drug) are not cheap. Some people just can't afford the supplement and d...so they take an advantage plan...which is better than just taking a and b.
Some are in situations that a clinic or hospital may be a long ways away intill you are accepted. That is why I recommend the senior care plan by chm...$115 a month, ($500 you pay, then they pay the rest), you will then need to get a discount plan.
This will revert you back to a and b...which is hosp and clinic which is what they want.
I would strongly suggest you watch some of the "medicare school" videos on youtube...they will go thru all of this (but both chm)...and they talk about supplement plans to plug holes that advantage plan have. They are located in Overland Park, KS and can write in most states. I would at least suggest watching their videos...and nor sure...contact....fyi...I have no connection to them, nor make any $$$.
Good luck and happy hunting.
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Medicare supplement
