- Dec 26, 2019
The plan I have is with United. Unfortunately, they are infamous for not covering certain procedures.Linde said:OK my dear, I have the same Medicare deal you have. Until last year I had that rolled into a medicare advantage plan, which did cost not a single extra penny, but covered most of my medications for free, and copay only for estrogen and progesterone.
But the copay for doctors were higher than I wanted to have them. This year I went with the medicare plan plus an extra plan to cover the copays and the medication, because I was expecting (and still hope for it) that my surgery would be this year. his new plan leaves me with very minimal copay for all doctor visits and procedures.
If surgeons see that you have good insurance coverage over and above Medicare they are willing to accept you, because they would know that they are not sitting there not getting their money.
Check around what Medicare Advantage Plans are available for you (I have Humana)for time being, they should be without cost for you. After that you can check for surgeons and therapists, etc.; and once you are settled with a surgeon (to find one took me week, cause I contacted every institution), you can do for next year (or the year of the surgery) a Medicare Supplemental Insurance Plan, (they cost some monthly money, I also have Humana for that one), which would cover most of the copays over Medicare.
I had a broker finding my plans, they are free of charge for medicare members. Look for Medicare Insurance Broker, or I can connect you with the office I use.
There is a multitude of plans I can go with that won't cost me any additional money. The bad part is that I cannot check and see what types of therapists and or surgeries they will pay for until after I sign up and try to use the insurance for that.
Phillip even talked to his HR department about having me on his insurance for that purpose. His insurance will not cover the surgery either.