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Managed Care Medicare? Why You Should Avoid

As you probably know by now, when you are about to turn 65, you receive a large amount of unwanted mail trying to persuade you to enroll in a specific Medicare plan.

At first, it can be very confusing. Prior to becoming eligible for Medicare, Medicare seemed like a simple program. You turn 65 and go on Medicare.

Unfortunately, Medicare has become more complicated as the government has allowed private, for-profit companies such as Humana to steer you into Managed Care Medicare Plans that can provide far less access to the health care you need and require you to pay far higher costs than you should.

These plans are very profitable for these companies at the expense of your health and financial well-being. The high profits these companies make from these plans are the reason they spend so many millions of dollars advertising them on television and in your mailbox when your are about to turn 65.

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“I Wish I Had Talked With You Sooner”

I talk with many people every day about their Medicare situation.

In most situations, the people I talk with are about to go on Medicare so they still have the opportunity to choose a Medicare plan that will give them maximum access to the health care they may need now or in the future while having their costs paid 100 percent.

However, I often talk with people who are already on Medicare and who may not have realized the fact that bad Medicare choices can be permanent and irreversible.

Such a situation happened last week. A gentleman named Roger called me from Atlanta who had left regular Medicare when he turned 65 two years ago and enrolled in a private, for-profit Medicare Advantage plan from Humana.

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Medicare choices today may matter more later

I have been privileged to help several thousand people who were going on Medicare understand their Medicare options so they could make the right Medicare decision for them.

While many people I help understand the long-term implications of the choices they make when they first go on Medicare, I often talk with someone who does not yet realize the Medicare choices they make when they first go on Medicare are often long-term rather than short-term decisions.

The conversation will often go something like this...

"Hi Charlie...this is Robert. I am turning 65 and going on Medicare next month. I need to decide what Medicare plan I need. I am in good health, take no medications and only see a doctor once or twice a year."

If I were helping this same person with his property insurance, the same logic would go something like this...

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Real Medicare Versus Private Medicare

The question I receive more than any other when someone is turning 65 and becoming eligible for Medicare is "What do I do about Medicare if I am still working and have coverage through my employer?

There are several different issues to consider when answering this question.

The first thing to know is when you turn 65 and are still working, you have a choice between staying on your employer's coverage or leaving that coverage and going on full Medicare.

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Will Your Medicare Plan Be On Your Side Against Cancer?

There is only one acceptable answer to this question and that answer is "you."

However, if you make the wrong decision about how to receive your Medicare, your health could be managed by an insurance company's budget analyst often more concerned about the profits of his employer than your best health outcome.

When you first go on Medicare - usually at age 65 but often later if you are still working - you can choose to receive your Medicare benefits through regular Medicare combined with a Medicare Supplement and a Medicare Part D drug plan.

Or, you can instead assign your Medicare benefits to a private, for-profit, restricted-choice Medicare Advantage plan such as Humana Gold Plus or Kaiser Permanente.

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What Does “Covered” Mean?

September is the month in which I go through training for the upcoming Medicare Annual Enrollment Period and 2019 calendar year.

It usually takes around a week to take the courses and pass the tests required to verify that I know what I need to know to help people who are going on Medicare understand how Medicare works and what their options are with Medicare.

This year one phrase in the training stood out because it discussed a very deceptive part of Medicare Advantage plans.

As you probably know if you have read any of my writings, I strongly believe Medicare Advantage plans are one of the most deceptive and harmful ideas the government has ever allowed to be perpetrated on the American people.

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The Medicare Musical Chairs Trap

I received a call from Bruce in Ohio last week.

Bruce is 69 years old and was diagnosed with Atrial Fibrillation two years ago. He has only had two episodes of an irregular heart beat and feels he has the condition well-managed with a medication called Xarelto.

The reason Bruce was calling was the Medicare Supplement he had chosen when he turned 65 had increased its premium nearly 50 percent in four years.

Charles Bradshaw
Unfortunately, Bruce was now unable to leave this plan for a less-expensive Medicare Supplement because the Atrial Fibrillation caused him to be declined when he applied for a different Medicare Supplement.

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