tag:blogger.com,1999:blog-1797875972831999598.post4523546419962415144..comments2023-11-22T04:27:07.521-06:00Comments on glen brown: Medicare Primer: Advantage or Medigap?gbrownhttp://www.blogger.com/profile/13435049339082622611noreply@blogger.comBlogger5125tag:blogger.com,1999:blog-1797875972831999598.post-60774545136280745102015-09-07T00:29:47.748-05:002015-09-07T00:29:47.748-05:00Charles,
I did not say this. "Ken says that I...Charles,<br />I did not say this. "Ken says that I will pay 100% of the original bill, minus the Medicare amount (which will be a pittance)."<br />I did say this: "if you go out of network, despite the wording of "any provider", you, personally, will be billed for a full retail amount that is different from the in-network amount. Once you send the bill to the IAP, they will pay what Medicare would pay, and YOU WILL PAY THE REST of whatever the full bill was for."<br />Here is my full blog which explains the possible choices for billing that an out-of-network provider has.http://reclaimreform.com/2015/09/05/illinois-retired-teachers-are-the-details-regarding-our-medicare-advantage-ppo-misleading/<br /><br />The out-of-network provider's billing department and/or administrators each have the choice of how and what to bill you personally if they do not choose to bill the provider directly. Get it in writing that they agree to bill the provider and not you. Ken Previtihttps://www.blogger.com/profile/10513924091013990654noreply@blogger.comtag:blogger.com,1999:blog-1797875972831999598.post-11183227231039202382015-09-06T20:28:36.349-05:002015-09-06T20:28:36.349-05:00from Bob Zahniser:
"Ken, my wife and I have ...from Bob Zahniser:<br /><br />"Ken, my wife and I have been in the program from the beginning, and neither of us have experienced problems of the sort you describe. Thanks."gbrownhttps://www.blogger.com/profile/13435049339082622611noreply@blogger.comtag:blogger.com,1999:blog-1797875972831999598.post-52831021318449817262015-09-05T16:55:49.184-05:002015-09-05T16:55:49.184-05:00We will find out soon. We have the UHC Medicare A...We will find out soon. We have the UHC Medicare Advantage insurance offered to TRS Illinois retirees. Northwestern Memorial claims to NOT take UHC Medicare Advantage, BUT they were willing to submit our bill to UHC since Northwestern accepts Medicare, and UHC will pay them their Medicare amount. Ken says that I will pay 100% of the original bill, minus the Medicare amount (which will be a pittance). Others claim that I will pay 20%. I should know soon. Stay tuned.Chuckster23https://www.blogger.com/profile/06229452682076160688noreply@blogger.comtag:blogger.com,1999:blog-1797875972831999598.post-7241958588445292112015-09-05T15:07:58.223-05:002015-09-05T15:07:58.223-05:00Bob,
You just hit the mark that, to me, is mislead...Bob,<br />You just hit the mark that, to me, is misleading and could prove financially disastrous for people in the State of Illinois Advantage Program. I will explain it in a later blog, but the bottom line is this: if you go out of network, despite the wording of "any provider", you, personally, will be billed for a full retail amount that is different from the in-network amount. Once you send the bill to the IAP, they will pay what Medicare would pay, and YOU WILL PAY THE REST of whatever the full bill was for. (I will give you details and sources later.)Ken Previtihttps://www.blogger.com/profile/10513924091013990654noreply@blogger.comtag:blogger.com,1999:blog-1797875972831999598.post-80855326084389803632015-09-05T07:38:54.158-05:002015-09-05T07:38:54.158-05:00from Bob Zahniser:
The State of Illinois Advantag...from Bob Zahniser:<br /><br />The State of Illinois Advantage Program is unique in that members can use any provider that participates in traditional Medicare. <br />gbrownhttps://www.blogger.com/profile/13435049339082622611noreply@blogger.com