This Time Of Year, Annually, Is the Medicare Advantage Signup. Did You know....

Hence, THE GREAT RESET.

If Trump gets in, it'll be even sooner.

A broker came to our house last week. We were wanting to know if any new plans would be better for us. We had an Aetna PPO $0 plan. She brokers for all of the companies in the state. She showed us a different Aetna plan (Aetna Medicare Smart Fit ppo) that was not offered in the 2024 Medicare book mailed to us a month earlier. This plan offers a "medical expense wallet" $200 quarterly for copay, Dr. visits, lab work etc. use it or lose it.

Reduces my cost on a prescription by $15.00 by going generic.

A DMR direct medical reimbursement wallet $1200.00 for all sorts of fees for joining fitness programs, bowling, state park fees etc and even for equipment like tents fishing rods, athletic shoes, hiking poles, and tracking devices. The broker advised us to call and confirm that items would be covered
The broker also said to be sure to recognize when a service was maintenance verses diagnostic, advising us to make every attempt to have it recorded as maintenance **, diagnostic would have charges for us to cover.

How do they scam? Did they take something from you? They have endless free information, it's all accurate, I learned so much, it didn't cost a dime and didn't cost my cousin a dime. The girl I talked to on the phone was in Texas, perfect American English.

You could at least learn about the system, you don't have to use their service that signs you up, but they do a lot of the legwork for you if you want to use them. Either way you'd be more well informed if you watched their videos etc. I took their course, bought their book, and watched tons of videos.

They do NOT push you onto an Advantage plan. My cousin did NOT sign up for that.

Last Edited by Vision Thing on 11/20/2023 01:17 PM

How did Humana negotiate my $95,000 surgery down to about $2,500? That's a BIG difference!

Ban hammer is very active today.

I wrote a lengthly civil reply and WHAM!!!

My elderly mother was paying out to UnitedHealtcare almost $300 a month for more than two decades. When she moved in with me for three years, I went on the website and created an account for her to see what of her hospital expenses they were actually covering and found they don't pay for anything except prescription drug discounts. That's $3600 a year. $72,000 over twenty years. That's what she would have had in a personal account plus interest had she put all that in the personal bank account, and Medicare would have covered ALL of her healthcare costs. I tried for years to talk her out of it. She was brainwashed by my father to believe in insurance. All insurance is a scam! It is responsible for driving up the costs of healthcare.

When my mother had a stroke and entered Hospice care, she was converted back to Full Original Medicare, and yet they were still automatically withdrawing the $300 from her bank account.That tells us when we really have a major medical emergency, our Original Medicare kicks in and pays ALL the costs of healthcare. Since I was now in charge of her healthcare decisions, I canceled the Advantage plan and ended them ripping her off.

Who really pays for this? The money is coming out of our paychecks and/or borrowed and added to the National Debt.

Medicare Advantage is a Scam! Our government is willingly and knowingly allowing American consumers to be scammed! Listen to Ralph Nader!



Last Edited by BigSister on 11/20/2023 02:14 PM

The debt is over 40 quadrillion already idiots.

Medicare would have also probably allowed only $2500, so why would Humana/Advantage pay more. And the hospitals and doctor already know Humana’s rates ahead of time so no negotiation would be involved.
Doctors and hospitals sign contracts with the carriers to participate and agree to accept their rates.

Last Edited by 936432979 on 11/20/2023 01:34 PM

I have the Ucard-what you say is true-$50 bucks per quarter. With the advantage plan I'm in, I don't pay one dime for anything-unless I go over limits in the dental optical or hearing. All medical is covered 100%, which is $400 a month less then when I was covered by my company plan before I retired. No complaints here!

so confused about medicare/insurance options, so didn't bother to do more research. Just copied friend's plan.

And you can go anywhere in the country takes Medicare and get the treatment you need.

Includes the best specialty hospitals be it Mayo Clinic, MD Anderson or any first rate facility of which there are many. If in advantage plan you are stuck in their network and will have higher out of pocket for going to specialist outside the network.

Your call.

With an advantage plan you are basically in an HMO.

My U card pays monthly..it has been that way for 2 years now..it was quarterly before then. I live in Colorado. My U card is for dual complete...I have both Medicare and Medicaid.

Whats the best advantage plan for swfl esp for dental work?

Also how do the aarp versions compare to the non aarp versions?

If it costs more than $0 it might be a good idea to have a broker do a side by side comparison of benefits, copay and deductible. They can put it side by side on their laptop screen. Also, my broker had a new plan that the government issued 2024 Medicare book didn't have listed.

the bottom line if Obama already said...he was ready to let elderly people die rather than consider their spirit or outlook toward life.

Medicare Advantage just lets the Government (which is filled with low IQ halfwits) do nothing. They can't run an insurance system.

Just like Fulton County Georgia's prosecutors had to go out and hire legal help to defend the country against election fraud. The actual Government Attorneys are affirmative action clowns.

So the Government is just off-loading the problem to Insurance Companies, with no concern for costs. The Insurance Companies take the checks and then they worry about managing the costs.

In the end you die. No one gives a crap.

Most Doctors these days are just assholes who had the ability to finance sitting in college until they were 30. You can't trust any of them. They basically go to AI and ask it to tell them what is wrong with you.

me too, I don't do Medicaid, but a trust protects.

United Healthcare paid out the difference after I maxed out my auto medical. I owed hershey med ctr 500k. UHC took care of it.

Last Edited by Phennommennonn on 11/20/2023 05:10 PM

depends on the carrier. United Healthcare is aarpn gives 1500 in dental for dentures.

Last Edited by Phennommennonn on 11/20/2023 05:13 PM

If no one was looking and I could get away with it I would punch Martha in the face.

I'd hold her 4u

maybe they just want to get your info so they could file claims.

why would you think the us government would hire call centers to ask for your info?

I know someone who signed up for Medicare Part A only, in 2010.
She was healthy then and thought she could easily handle the doctor fees.
She's now 78 and has had Pneumonia and Congestive Heart Failure in the past year and half, along with additional diagnoses. She decided to add Part B this past year and now they're taking almost $700.00 out of her social security each month! Most likely, she'll be still paying the penalty until the end of her days. Thankfully, her children are helping.
Thank you Phenn, for this info.

the penalty adds up.

you have to chk the avail plans in your zipcode.

I get $150 back monthly in SSI with my plan, so what does that mean?

with increased benefits coming up in 2024

Funny, I used to manage Advantage plans where I used to work. I had no clue how the financial aspect worked. My job was to authorize mental health services. The insurance companies are the gatekeepers and dictate everything the doctors can do. If insurance doesn’t pay for it, the doctors won’t do it.

Coincidently, I am in the mist of filling out a questionnaire sent by Medicare for disability determination. I’m having mixed feelings about turning it in because I know the system is broken and cures suppressed to keep the money flowing in…

But I have worked and paid taxes for 45 years and I need the money to live on. I don’t plan to ever see another doctor or medical professional ever again. They have already done enough damage.

However my responses to the questionnaire are a little conspiracy ish related. Also, I am on no prescribed meds and do not have a doctor- I learned how to take care of myself with great input from GLP.

So, I imagine that choosing to help myself rather than turning to the medical cartel will be counted against me.

I’m applying for disability because my mind and heart are broken since I’ve cured myself of chronic diseases using hidden and suppressed methods. I still have a rod in my leg and a plate in my wrist thanks to “science” and have a constant fear of breaking something else.

Suggestions or pro tips on how best to fill out the forms welcome.

These Medicare companies are the most deceitful in business.

Ask any home bound elderly about telemarketers calling all day long everyday except Sunday mornings.

During the sign up season (September through February) the unrelenting calls come in at a rate of one every two minutes. These evil companies buy or rent multiple entire phone exchanges (9,999 numbers) from Level3 et al in order to bypass the Do Not Call List law. Their call AI software learns quickly which area codes and exchanges triggers a pickup from an elder who mistakes the call for family, friend, or doctor. It carefully crafts a calling schema designed to harass a person into engaging with an Indian call center scammer. Next thing you know your insurance plan got changed and weird medical appliances start showing up at the door (or not, but your plan gets charged anyway).

You answer the call “hello, hello?” Then hear a “bloop” sound as the calling machine transfers the call to an out of country Indian call center scammer.

I changed my answering system message to the reorder announcement “do doo DOO, the number you have called is no longer in service, please check the number…do doo Doo”. I’m hoping the newer call system AI picks up on that error message and automatically removes my number from their list. I had to let everyone I know to ignore the repetitive announcement and wait for the beep to leave their message.

The phone companies are making bank by selling these high volume callers all these numbers to use against us. And then, they make money selling blocking devices to their landline customers. The blockers can usually only block out 5,000 individual numbers. However, my blocker allows blocking entire area codes and exchanges within the area code. I often knock out tens of thousands of useless numbers in one block.

For example, I know there is no legitimate call to me from area code 212.
I simply punch in **7, hear the beep, then punch in 212#, hear the beep.
Viola! No more telemarketers (or anyone else including one of my many, uh, “grandsons” calling for bail or hospital money) from that NY area code!!!

I do the same thing for the all the new Level3 exchanges out of Washington, Herndon, and Crystal City, Va. block the entire NPA-NXX (9,999 numbers each).

For me it’s a part time job as I study the caller ID list and cross reference it against my know good callers list. I wish there was a web page listing known scammers exchanges to reference & save time. I’m sure phone company lawyers would sue such a website into the ground. If everyone shared & blocked the bad guy’s numbers though it probably would not stop them from finding a way to spoof your known good caller’s numbers once it figures out the numbers you respond to. And, with realistic AI voice simulation, it really would sound like my real life grandson calling…pfft! he would just rot in jail or sell an organ to buy himself out of his own mess as I spent his emergency bail money on the vocal blocker machine.

Now most of the unwanted calls are from my own area code & exchange. I can block those individual numbers as needed…calls from the likes of the local charity scams (FOP, DAV, DNC/RNC, etc).

I think the phone company should pay me a rebate on all those blocked numbers and ever single since I’m no longer tying up their equipment receiving superfluous calls. I’m sure their is a way to program a good call receiving list but I’m paying for the entire world to be able to call me…what if it was the readers digest sweepstakes calling?

Obviously someone at Medicare is taking kickbacks on each successful scam as my reporting the bad actors gets no action.