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 Posted: Mon Dec 08, 2008 9:31 am Post subject: Medicare HMO |
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I need some information about the different parts under which a Medicare HMO renders its services.
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Crossbreed
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| Posted: Mon Dec 08, 2008 10:26 am Post subject: |
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Hi..
it is quite reasonable to understand that all services offered under the medicare health maintenance organizations are classified under its Parts A
and B. There are also some other benefits that come to you as the traditional medicare e.g. prescription drug coverage. But yeah, you have to be sure of the availability of Medicare HMOs, as they are very rare in some areas of the country.
Purpleheaded08
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Purpleheaded08
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| Posted: Mon Dec 08, 2008 11:54 am Post subject: |
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| Quote: | it is quite reasonable to understand that all services offered under the medicare health maintenance organizations are classified under its Parts A
and B. |
In order to meet the criteria of Medicare HMO, you'd need to satisfy the criteria set for both these parts. Also you should remember that ESRD is bot desired for such an HMO. If you'd reside within the geographic locations stated within the plan you'd have better chances of satisfying the norms. brown_brooke
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brown_brooke
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| Posted: Mon Dec 08, 2008 12:46 pm Post subject: |
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My friend, all of these HMOs don't work similarly. Some of them would charge you with premiums exceeding the worth of Part-B premiums. You have 2 options- either obtain health care offered by an HMO or else you may go for healthcare service providers directed by your HMO. It could only be different under circumstances wherein you'd go through an emergency wherein immediate care and attention would be required.
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fatman
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| Posted: Mon Dec 08, 2008 1:41 pm Post subject: |
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Hi all,
I've seen quite a lot of medicare HMOs would alter the premiums set as well as their benefits. Due to a lot of changes in the medicare HMO lists from time to time, you'd need to choose the medicare HMO on an yearly basis. You may be accept a POS (Point of service) offer from the HMO. This would let you avail services of the HMOs who are not the members of the network of HMOs.
Thanx, Plasticmind
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Plasticmind
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| Posted: Mon Dec 08, 2008 2:06 pm Post subject: |
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Hi..
It is quite an easy cycle for the medicare health plans. The offer comes to the new members since the month of Nov, while the coverage would actually start from the month of Jan (the next year).
Though I'm not saying that medicare HMOs don't at all offer coverage to new members beyond this time frame, but you could almost rest assured that those offers would be restricted. You'd need to get in touch with the customer support people to know whether a particular plan is still on offer.
anonymous00
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anonymous00
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| Posted: Tue Dec 09, 2008 9:24 am Post subject: insurance |
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| Alot of you know I work with the Elderly. ALOT of them have Medicare. The sad thing is ALOT of them don't understand what is covered under Medicare. This 'Part A and B'..........it's difficult to understand for ME, because I'm trying to explain this to THEM. Also..it seems like, because of the AGES of this people, I work with, Medicare is about all they CAN get. |
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sdchargersfan
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| Posted: Sun Dec 14, 2008 6:09 am Post subject: |
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The HMO, PPO, and PFFS (which is being phased out by 2011) are part C which combines parts A&B (and sometimes D) into a private health plan.
With the HMO and PPO plans, medicare benificiaries should make sure their doctors and local hospitals are in network before signing up.
Much of the time these plans give medicare benificiares better benefits than original medicare for a low monthly premium (some are zero premium) but this varies based on zip code.
The best place to compare these benefits is at www.medicare.gov
then go to the link "compare 2009 health plans"
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beatuplunchbox
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| Posted: Sat Nov 13, 2010 9:37 pm Post subject: |
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| omg. i am so glad you posted this. i have been hearing all about this medicare hmo, medicare advantage, and specific insurance companies' policies...and i have not a clue about them..i know like one insurance company has a medicare replacement hmo, does anyone know what that means? it is very difficult understanding it.. |
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Nicholas_peters_
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| Posted: Mon Nov 15, 2010 5:27 am Post subject: |
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Medicare replacement is just another way of describing Medicare Advantage, but it is not the term that Social Security/Medicare uses. As Beatuplunchbox has provided, all the information about the various forms of Medicare coverages are explained at www.medicare.gov
On that website, I would recommend that you download and read the "Medicare and You 2011" guide that was mailed to all Medicare beneficiaries. Not a best-seller, but most of the nuts and bolts are explained in a way that anyone should be able to understand.
And as I've posted elsewhere, the NYSID has state-specific information you will fine useful.
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MaxHerr
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| Posted: Sat Nov 20, 2010 11:56 pm Post subject: |
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Max thanks a lot for the help. Everyone thanks a lot for your help. I really am grateful. It helps me understand everything a lot better. So Medicare Replacement policies are the same thing as Medicare Advantage.
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| Posted: Sun Nov 21, 2010 3:54 am Post subject: |
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| Quote: | | Medicare Replacement |
You should definitely NOT be seeing policies labeled/called Medicare Replacement -- this is confusing and potentially unlawful. A Medicare Advantage plan might discuss the plan's method of covering claims as a replacement for Original Medicare, but it should still be using the correct term "Medicare Advantage" to describe the plan itself. It could have a special name such as "Senior Advantage" or "GoldenCare", but you would always see something like: "Senior Advantage is a Medicare Advantage plan approved by Medicare as a substitute (or replacement) for Original Medicare."
You would never see: "Senior Advantage is a Medicare Replacement plan for seniors."
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MaxHerr
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| Posted: Sun Nov 21, 2010 4:52 pm Post subject: |
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| Okay. Yea because when I verify insurances some of them are just called regular names like Gold, Premium, Platinum, etc, but they do not have anything specific describing it as a Medicare Replacement policy. I guess I would have to ask the insurance company if that insurance policy is a Medicare Advantage policy. |
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MaxHerr
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