I really don't understand this medicare in relation to different coverage and costs around the nation. People pay different premiums and some of us pay $0On Medicare there is a charge removed from you check monthly. Plus I pay for supplemental insurance and drug coverage. The cost is about $14,000 a year for the two of us.
I have a Humana PPO (HumanaChoice Florida) and I couldn't ask for a better policy. Nothing I have had in my life compares to this. I get to see the best doctors and I get to choose them.
My wife and I have $0 Premium. We pay nothing for the coverage. NADA. Other than the monthly deduction out of social security.
*We have a $10 co-pay for our primary doctor and $20 for specialist.
*With a PPO we do not need a referral to see a specialist. I can pick up the phone and call one without my primary doctor even knowing. I did that when I had my spine operation and my kidney cancer surgery.
* My prescription drugs are $0. I go through Humana for that and they send them direct to my house with no charge. They also refill them automatically. If a prescription requires a doctor to authorize, Humana call them. I do nothing and I pay nothing.
In the past 5 years I have had 6 major surgeries. Cancer, Spinal stenois to name a few and they were very expensive. My cost was negligible.
I think they State of Florida negotiaties the Medicare Advantage policies with the insurance carriers. What ever it may be I am about as pleased with my medical insurance as one can be.
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