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shimmergal Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Feb-28-11 06:16 PM
Original message
Medicare--is there a way to
Edited on Mon Feb-28-11 06:17 PM by shimmergal
get back onto it at a time outside the Nov.-Dec. window?

I'm presently in a Medicare Advantage system, but getting very frustrated with all the hoops and restrictions about who you can go to under it.

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elleng Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Feb-28-11 06:26 PM
Response to Original message
1. Don't know; eligible not yet participating, but interested.
Maybe you can explain: Being in Advantage, which you thought would provide you with some actual benefits, has disappointed you in some ways (explain?) and may be difficult to get out of, except on a prescribed schdule? Thanks for any info.
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Gin Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Mar-01-11 06:18 PM
Response to Reply #1
2. I am pretty sure you can only change during the enrollment
period....I am in an advantage plan..(Optima in VA)it works for me because there is no monthly charge and when, or if, I use it, it will be less out of pocket than having nothing but Medicare...I cannot afford a supplement so I chose that option.
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elleng Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Mar-01-11 07:22 PM
Response to Reply #2
3. Thanks. What 'extra' benefits do you get?
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Gin Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Mar-01-11 07:36 PM
Response to Reply #3
4. the only thing I know for sure is my out of pockets expenses are lower...
and I have a drug benefit... but not sure what it offers...I
haven't used it yet...but initially when I checked it out and saw there was no fee..I went with it..

I know the advantage programs are not thought to be good for medicare... but this helps me to have more coverage with no monthly fee...

I did review what it had to offer...fee wasnt the only deciding factor...but it was one for sure.
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elleng Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Mar-01-11 07:41 PM
Response to Reply #4
5. Thanks.
Will look into it as I study whether to cease using FEHB (means divorcing, which otherwise is ok w me.)
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