Medicare Advantage Is A Massive Scam: The Program Rips Off The Tax Payers And It's Own Enrollees

[Grumblenuts]

Yes, please

don't let me cramp your prodigious expertise

by noting your penchant for distracting everyone from the topic with your thoroughly unrelated declarations of "prodigious expertise"..

You are simply trolling this topic and you really don't like having anyone point that out. Too bad.

 

[Grumblenuts]

Have the costs gone down? Really? Be honest for a change.

Still waiting..

 

[debbiedowner]

Fuck that noise, he's OK and a "gun guy", he just over-stepped and was corrected....Good enough.

I get it, in your mind if someone carries they can break laws in other area's and possibly scam a senior 75 yrs old that has dementia. Well, I carry and don't do the shit these fucking scammers do to sell a Med Advantage plan. He probably scams on other life and heath polcies, it's ok though because he's a gun guy. I guess you just gave an argument for you knowing someone committed a murder but they're ok with you because they carry. Goddamn you can't make this shit up.

 

[debbiedowner]

I've covered all that. Nothing personal unless one is trying to promote private insurance here as some people clearly have been. The answer is no, you can't narrow this down to "Medicare for All" when some think that term means one thing, others another. One can't just gloss over the distinctions and pretend making existing "Medicare" available to younger people is somehow equivalent to implementing "Medicare for All." And they know it. They smear it all together deliberately because they want government destroyed and prefer everything be privatized. Any Reaganites arguing that government is "the problem" here wear it proudly while others try to be sneaky (perhaps that's you, definitely fits JustaGuy and Mac1958 who have more convincingly pretended to remain somehow more knowledgeable yet simultaneously oblivious and at the same time too).

When Medicare was first implemented everyone presumed Medicare (the government) would soon handle your prescription drug costs as well. It was blocked for decades by private special interest group support of key representatives from both major Parties.

The 3 of us know more about Medicare than anyone will ever know in this thread. BTW where's your link that everyone at the inception of Medicare thought it was going to cover drugs and it was blocked for years by private insurance?

Why would private insurance block Part D if they could make a buck on it?

Drug prices are not negotiable today because it was written into the Medicare Act of 2003 and signed by Bush. The law does need to be changed.

 

[debbiedowner]

I've covered all that. Nothing personal unless one is trying to promote private insurance here as some people clearly have been. The answer is no, you can't narrow this down to "Medicare for All" when some think that term means one thing, others another. One can't just gloss over the distinctions and pretend making existing "Medicare" available to younger people is somehow equivalent to implementing "Medicare for All." And they know it. They smear it all together deliberately because they want government destroyed and prefer everything be privatized. Any Reaganites arguing that government is "the problem" here wear it proudly while others try to be sneaky (perhaps that's you, definitely fits JustaGuy and Mac1958 who have more convincingly pretended to remain somehow more knowledgeable yet simultaneously oblivious and at the same time too).

When Medicare was first implemented everyone presumed Medicare (the government) would soon handle your prescription drug costs as well. It was blocked for decades by private special interest group support of key representatives from both major Parties.

Oh, I wouldn't sell you a damn thing even if I could make a buck.

 

[Grumblenuts]

Dude I have your as in this from the first post. Nobody relies on just Original Medicare, it would break them. You just like being an ass and yes, I know far more about insurance than you ever will.

Wow, the things I miss due to the ignore function sometimes..

The 3 of us know more about Medicare than anyone will ever know in this thread. BTW where's your link that everyone at the inception of Medicare thought it was going to cover drugs and it was blocked for years by private insurance?

Why would private insurance block Part D if they could make a buck on it?

Drug prices are not negotiable today because it was written into the Medicare Act of 2003 and signed by Bush. The law does need to be changed.

My quote and link are at the bottom of the post. How did you not see it?

 

[1srelluc]

I get it, in your mind if someone carries they can break laws in other area's and possibly scam a senior 75 yrs old that has dementia. Well, I carry and don't do the shit these fucking scammers do to sell a Med Advantage plan. He probably scams on other life and heath polcies, it's ok though because he's a gun guy. I guess you just gave an argument for you knowing someone committed a murder but they're ok with you because they carry. Goddamn you can't make this shit up.

Actually he's a very respected member of the community and has been for as long as I can remember. In fact he should have long retired given his wealth/health but keeps his agency running mostly for his employees. Like I said, he just over-stepped. No big deal.

So, where did the insurance man touch you as a child?

 

[debbiedowner]

Oh

Wow, the things I miss due to the ignore function sometimes..

My quote and link are at the bottom of the post. How did you not see it?

At the bottom of your post there is a quote but no fucking link.

 

[Grumblenuts]

Why would private insurance block Part D if they could make a buck on it?

Seriously? They blocked it from simply being covered for all as part of Medicare like everything in Parts A & B. Read the freaking history already!

 

[Grumblenuts]

Oh

At the bottom of your post there is a quote but no fucking link.

First sentence:

Today's problems and policy options are in part “legacies” of earlier decisions and non-decisions.

 

[debbiedowner]

I don’t claim to know the ins and outs of Medicare Advantage Plans, and I don’t doubt that in some locals where there are effective private networks of doctors and for some folks with special issues they may offer real advantages. But what I suspect strongly is that many fall victim to the hype.

I am bombarded here in FL with advertisements on TV and in the mail (every changeover season) promising I can get more benefits, and save money over traditional Medicare, without giving up anything. They even promise I can get more of my money back from Social Security. I half expect “the Pillow Man” to advertise next.

Of course all this ends up making some terribly naive oldtimers think that government funded “original” Medicare is actually somehow bad. It is not advertised to nearly the same extent. Today, some seem to argue it is suspiciously “socialist” as compared to the available private profit insurance plans … that use Medicare money.

Fl is bombarded daily with these commercials due to the volume of people over 65 and they hope the near turning 65 will see them. I hate all the commercials and most are very misleading and should be taken off. There is so much regulation regarding Medicare Advantage plans but no administration will do anything about it until it involves an insurance agent and then more than happy to go after them, but if you are a company that donates to either party seem to get away with practically anything.

There are some insurance companies in different counties in Florida that do offer your full Medicare Part B premium back and some that off a part of it back to you to sign up with their company. Patriot plans offer anywhere between $50 and the full amount of Part B premium back. Patriot plans were designed with no drug coverage mainly for a veteran who uses VA for all their drugs and most medical care, although anyone can purchase them if they don't want drug coverage.

All the extra's that companies have added to their plans over the years is to increase sales and most of the added coverage is nothing to brag about but some senior's think a free gym membership is great, at least the first couple of months into a new year and then most quit going, at least a couple of personal trainer's told.

I told another agent or my wife this past open enrollment season we would probably see the pillow guy doing this for some company in the future, but that would be one company you would not want to do business with.

 

[debbiedowner]

Actually he's a very respected member of the community and has been for as long as I can remember. In fact he should have long retired given his wealth/health but keeps his agency running mostly for his employees. Like I said, he just over-stepped. No big deal.

So, where did the insurance man touch you as a child?

If you're ok with it no problem but it's guys that overstep (and if he does it all his agents do it) that give all insurance agents a bad name. Well respected or not.

 

[1srelluc]

If you're ok with it no problem but it's guys that overstep (and if he does it all his agents do it) that give all insurance agents a bad name. Well respected or not.

Meh, tend to your own knitting then.

 

[Grumblenuts]

All the extra's that companies have added to their plans over the years is to increase sales and most of the added coverage is nothing to brag about

Indeed. So..

Nobody relies on just Original Medicare, it would break them. You just like being an ass and yes, I know far more about insurance than you ever will.

Right? It handled my mom's expenses just fine. People like me REALLY DON'T APPRECIATE anyone grabbing a piece of the action from other's fundamental needs. Oh, and we report every scammer to CMS with no need to be coaxed by insurance peddlers. Basic healthcare is a fundamental human right. Taxes should cover it. Period. I will not be signing up for any of what your companies see as fringe benefits. Bank on it. I'd rather die in agony.

Used car salesmen are the only people less inspired than insurance peddlers. Oh look, the copier got my hands all inky! Now I broke a fingernail pulling a staple out! Ah maaaaan!

 

[JustAGuy1]

Indeed. So..

Right? It handled my mom's expenses just fine. People like me REALLY DON'T APPRECIATE anyone grabbing a piece of the action from other's fundamental needs. Oh, and we report every scammer to CMS with no need to be coaxed by insurance peddlers. Basic healthcare is a fundamental human right. Taxes should cover it. Period. I will not be signing up for any of what your companies see as fringe benefits. Bank on it. I'd rather die in agony.

Used car salesmen are the only people less inspired than insurance peddlers. Oh look, the copier got my hands all inky! Now I broke a fingernail pulling a staple out! Ah maaaaan!

You're quite ignorant, Part B is a true 80/20 with no Cap . It ruins people. I'd rather you die that way too. Soon.

 

[debbiedowner]

You're quite ignorant, Part B is a true 80/20 with no Cap . It ruins people. I'd rather you die that way too. Soon.

Brings back a memory of about 6 years ago. Had a guy that came to a seminar and set up an appointment afterwards to talk about supplement and MAPD, for the appointment he brought in some recent EOB's from Medicare which he had been on a couple years and wanted to explain why he might need either supplement or MAPD. He had been going straight Medicare I think it was about 3 or 4 years. Well, I explained how the supplement works with Medicare and he'd pay a monthly premium and then nothing after (plan F at that time) Then explained the co pays on MAPD and physical therapy came up and I said on supplement he would pay nothing with a sup and a $40 co pay with MAPD. He pulled out his Medicare EOB's for physical therapy and his responsibility under straight Medicare was only $8.00 and said he didn't need either supplement or MAPD. Oh, he never signed up for a Part D plan and in his 3rd year of penalty which I explained.

I did explain that $8.00 he paid for pt would not apply to other procedures especially a major surgery and 20% could eat him alive he chose to stay put on A and B only. I did see him in a grocery store on and off for a few years and then one day he decided to stop and talk and told me he should have gotten a supplement when we talked at the appointment because he now indebted 20% of a major surgery of something like $15,000 (must have been a big surgery because we all know Medicare approved amounts in most cases aren't that much). As far as I know he never did purchase a Part D and now with my company did not qualify for a supplement for health reason's. Don't know if he would have qualified for UHC which is a bit more lenient if you don't purchase a Supplement when you turn 65. He wrote off a Med Advantage from the start.

At the first appt I could not get through to him that his $8.00 would not always be there. This is what happens when you deal with an engineer who wants to pick every GD think apart.

 

[JustAGuy1]

debbiedowner

Brings back a memory of about 6 years ago. Had a guy that came to a seminar and set up an appointment afterwards to talk about supplement and MAPD, for the appointment he brought in some recent EOB's from Medicare which he had been on a couple years and wanted to explain why he might need either supplement or MAPD. He had been going straight Medicare I think it was about 3 or 4 years. Well, I explained how the supplement works with Medicare and he'd pay a monthly premium and then nothing after (plan F at that time) Then explained the co pays on MAPD and physical therapy came up and I said on supplement he would pay nothing with a sup and a $40 co pay with MAPD. He pulled out his Medicare EOB's for physical therapy and his responsibility under straight Medicare was only $8.00 and said he didn't need either supplement or MAPD. Oh, he never signed up for a Part D plan and in his 3rd year of penalty which I explained.

I did explain that $8.00 he paid for pt would not apply to other procedures especially a major surgery and 20% could eat him alive he chose to stay put on A and B only. I did see him in a grocery store on and off for a few years and then one day he decided to stop and talk and told me he should have gotten a supplement when we talked at the appointment because he now indebted 20% of a major surgery of something like $15,000 (must have been a big surgery because we all know Medicare approved amounts in most cases aren't that much). As far as I know he never did purchase a Part D and now with my company did not qualify for a supplement for health reason's. Don't know if he would have qualified for UHC which is a bit more lenient if you don't purchase a Supplement when you turn 65. He wrote off a Med Advantage from the start.

At the first appt I could not get through to him that his $8.00 would not always be there. This is what happens when you deal with an engineer who wants to pick every GD think apart.

We can lead a horse to water but we can't make them drink

 

[Grumblenuts]

You're quite ignorant, Part B is a true 80/20 with no Cap . It ruins people. I'd rather you die that way too. Soon.

Likewise, I hope real "Medicare for All" passes.. soon.. and puts all you lazy, superfluous, self-aggrandizing leaches out of business.. permanently.

 

[JustAGuy1]

Wow, the things I miss due to the ignore function sometimes..

My quote and link are at the bottom of the post. How did you not see it?

Pop you are quite the idiot.

 

[JustAGuy1]

Likewise, I hope real "Medicare for All" passes.. soon.. and puts all you lazy, superfluous, self-aggrandizing leaches out of business.. permanently.

Your wife left you over your anger issues didn't she?