Ask ques­tions, an­a­lyze Ad­van­tage plans

Chattanooga Times Free Press - - READERS RESPOND -

I was in­ter­ested to see the Oct. 6 let­ter to the ed­i­tor from a nurs­ing stu­dent in­ter­ested in Medi­care Ad­van­tage plans as a method to re­ceive health ben­e­fits. The ref­er­enced Times Free Press ar­ti­cle was timely since we are in the “open en­roll­ment” pe­riod when el­i­gi­ble Amer­i­cans can choose their plan for 2021. I think in­di­vid­u­als who are con­sid­er­ing these plans need to ask:

› Is the per­son sell­ing the plan a fidu­ciary? (Are you be­ing sold a plan to make a com­mis­sion or to pro­vide the best op­tion for you?)

› Can you see the providers and use fa­cil­i­ties you want? (Are they in-net­work?)

› If a medicine or ser­vice is “cov­ered,” what is the co-pay? (If the co-pay is a per­cent­age and not a flat rate, it is usu­ally not af­ford­able.)

› If you are out of town and have a med­i­cal emer­gency re­quir­ing ser­vices from an out-of-net­work provider, what parts of your care are your re­spon­si­bil­ity?

These are the ques­tions that most peo­ple need an­swered be­fore mak­ing a de­ci­sion about tra­di­tional Medi­care or a Medi­care Ad­van­tage plan. As in most cases, the cliché “You get what you pay for” ap­plies.

J. Eu­gene Huff­s­tut­ter, M.D., Hix­son

Newspapers in English

Newspapers from USA

© PressReader. All rights reserved.