General Discussion
In reply to the discussion: medicare etc [View all]Jake2413
(226 posts)My wife and I have Medicare and a supplemental plan (F). Most expensive, I dont think it is available anymore, but in the 9 years we have had the plan we have never paid for any medical treatment, office visits to hip replacements. We do not need referrals to see specialists as long as they accept Medicare, we havent found any that dont. But you need to review supplemental plans not all cover 100%, see what works for you. Supplemental plans are offered by many companies but what each plan covers is regulated by Medicare and they are all the same just different pricing.
If I remember right the Advantage plans the like an HMO, where you get a primary care physician, pay a deductible, need approval for some procedures and to see specialists. Some do cover drugs and glasses etc. need to review what is covered. But I do like the freedom of my supplemental plan. It all comes down to what you feel comfortable with and what you can afford.
Take a look at Medicare.gov they will help explain.