[MX rider]

Originally Posted by TVTVTV

How does dental work with UHC? I know you get $2500 annually for in network dental care. Can you tell me some of the main dental companies in your network plan? Like Aspen? Or the others I've heard around here famous for up-selling? The dental care MA plans includes concerns me.

You can use towards any dental work. Our dentist in Indiana took UHC. We haven't needed a dentist here yet but will be looking for one just in case. We don't go to corporate dentists.

[psoccermom]

Moffitt isn't in any Advantage plan for next year.

[Arlington2]

Originally Posted by psoccermom

Moffitt isn't in any Advantage plan for next year.

The link to Moffitt says otherwise. Selected Medicare Advantage are accepted.

Insurance Coverage at Moffitt | Moffitt

[MX rider]

Originally Posted by psoccermom

Moffitt isn't in any Advantage plan for next year.

Our UHC plan isn't, but the Florida Blue website says Moffit is in their network?

[psoccermom]

The link you provided is obviously for 2024 since it says it takes Florida Blue Medicare Advantage. It does not take Florida Blue in 2025. You need to call them for a list for 2025.

[psoccermom]

It is for 2024 but not for 2025. I'm in the process of finding one that does.

[Arlington2]

Originally Posted by psoccermom

The link you provided is obviously for 2024 since it says it takes Florida Blue Medicare Advantage. It does not take Florida Blue in 2025. You need to call them for a list for 2025.

The link says Fl Blue is out of network for 2025. The following is in the link

"Please Note: Effective Jan. 1, 2025, Moffitt is Out of Network with all Blue Cross and Blue Shield Medicare Advantage Plans. "

[gmdds]

Originally Posted by westernrider75

We just went to a Florida Blue presentation a week ago and that question was asked about Moffitt. The answer was yes, Moffitt is considered in network for 2025.

As said, that info is incorrect.

Here are the Advantage plans that are considered in-network at Moffitt for 2025:

-Aetna Medicare HMO/PPO plans
-Humana Medicare HMO/PPO plans
-Florida Complete Care HMO/PPO plans
-Healthfirst Medicare HMO/PPO Plans

I suppose Florida Blue could change their mind, and renew their contract With Moffitt for 2025, but hasn’t as yet.

[gmdds]

Originally Posted by psoccermom

Moffitt isn't in any Advantage plan for next year.

Wrong

[Blueblaze]

Originally Posted by tophcfa

Not after we have been paying well over $1,000 per month the last several years through Obamacare for a far inferior plan with a high deductible and max out of pocket and a very limited network. $400 per month for an extensive network, about a $250 per person deductible with 100% of everything covered after that, and no referrals required for specialists, seems like an incredible bargain.

Yeah, I did the Obamacare thing too. Unbelievable. And nothing like my Advantage plan, which is almost identical to my old employer's PPO plan, except for the cost. Like everyone else who complains about Advantage plans, you seem to think they're all HMO's. They are not, and that is my point.

My PPO Advantage plan does not require referrals and I can see any doctor I want. It just doesn't pay as much if I go out of network, and then the doctor is not limited to negotiated rates. But it also has an annual out-of-pocket limit, after which it picks up everything -- even out-of-network. Yes, the limit is high, but insurance is for disasters, not groceries. The high limit is still within my means, and until the disaster hits, I pocket $400/month.

It worked as expected with my wife's recent stroke. But it was a small stroke and we didn't need to go out of network. My plan documents say I'm adequately insured against a real crises, like cancer.

But, of course, it all depends on how honest the players are, regardless of what kind of insurance you have. I'm sure the insurance company will fight like a pitbull to get out of paying what they contracted to pay, and the doctors' crooked back office operations will bill crazy amounts for things they either didn't do or we didn't need -- just like they did with the stroke. Six month later, we're still getting bills. But that doesn't have a damned thing to do with the fact that we have Advantage PPO insurance.

Like I said -- every one's a crook, these days. Look no farther than your neighbor's new roof and your latest home insurance bill to see what I'm talking about. We're at the mercy of crooks, regardless of what we do, because moral behavior is no longer the standard in this country.

Which is why I see no reason to give the crooks one penny more than I have to, until the day when I need to.

[biker1]

Any concern about requiring or not requiring a referral is a bit of a mystery to me. The only provider I directly make appointments with is my PCP (annual visits to the dermatologist notwithstanding). If I have an issue, I talk it over with her and she provides the referral to a specialist. I look upon her as the conductor of my health care. Now, there can be issues of which provider is referred. I have Medicare with a Supplemental Plan so she can refer me to anyone who accepts Medicare but I am not trying to schedule visits to anyone without talking to her first.

Originally Posted by Blueblaze

Yeah, I did the Obamacare thing too. Unbelievable. And nothing like my Advantage plan, which is almost identical to my old employer's PPO plan, except for the cost. Like everyone else who complains about Advantage plans, you seem to think they're all HMO's. They are not, and that is my point.

My PPO Advantage plan does not require referrals and I can see any doctor I want. It just doesn't pay as much if I go out of network, and then the doctor is not limited to negotiated rates. But it also has an annual out-of-pocket limit, after which it picks up everything -- even out-of-network. Yes, the limit is high, but insurance is for disasters, not groceries. The high limit is still within my means, and until the disaster hits, I pocket $400/month.

It worked as expected with my wife's recent stroke. But it was a small stroke and we didn't need to go out of network. My plan documents say I'm adequately insured against a real crises, like cancer.

But, of course, it all depends on how honest the players are, regardless of what kind of insurance you have. I'm sure the insurance company will fight like a pitbull to get out of paying what they contracted to pay, and the doctors' crooked back office operations will bill crazy amounts for things they either didn't do or we didn't need -- just like they did with the stroke. Six month later, we're still getting bills. But that doesn't have a damned thing to do with the fact that we have Advantage PPO insurance.

Like I said -- every one's a crook, these days. Look no farther than your neighbor's new roof and your latest home insurance bill to see what I'm talking about. We're at the mercy of crooks, regardless of what we do, because moral behavior is no longer the standard in this country.

Which is why I see no reason to give the crooks one penny more than I have to, until the day when I need to.

[frostola]

I think it’s awful that Florida Blue is advertising in the paper (comparing their company to UHC) stating that they go to Moffitt. You have to read the small print that states these are the 2024 benefits. This is a time when people are shopping around for plans, very misleading.

[Arlington2]

Originally Posted by biker1

The whole thing about needing a referral is a bit of a mystery to me. The only provider I directly make appointments with is my PCP (annual visits to the dermatologist notwithstanding). If I have an issue, I talk it over with her and she provides the referral to a specialist. I look upon her as the conductor of my health care. Now, there can be issues of which provider is referred. I have Medicare with a Supplemental Plan so she can refer me to anyone who accepts Medicare but I am not trying to schedule visits to anyone without talking to her first.

I agree 100% with this comment. In fact I would not know what specialist to go to without my primary's recommendation. I have total confidence in my primary. If you don't trust your primary it is time to find a new one.

[nantasket]

Village’s Health is accepting Advantage plans from UHC, Humana, and Florida Blue

[JoannMH]

I worked for Humana and always thought it was interesting (and sad) that the CEO of the company made millions. I do not fault CEO’s making money but I was dealing with members whose care was being denied. And the CEO had no money in the game. He was just a paid (well paid) employee too. It is a business and they are in it for profit.