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Poll your providers which to choose
In response to 143461: Medicare Advantage/medigap, posted by Amanda S on Tuesday, 27 August 2019, at 10:08 a.m.
I'm confused how all this works too. I think they make it confusing on purpose!
The Akamai Advantage plan is "unnecessary," but it's the one you would want to be a part of (especially if it's free for you to join. Otherwise I think it costs an extra $220 or so which isn't mentioned at the time of joining. I'm not sure what the benefits are - besides some routine dental care that Medicare doesn't provide.) Most doctors and providers take HMSA and find it much easier to bill than Medicare... Medicare is reliable, but it takes months to get providers paid and they don't pay very much in relationship to Hawaii prices. I think that's the appeal of HMSA, which gives the best choice of providers in this state and they understand and appreciate how Hawaii wants its providers to stick around...so at least they treat providers well.
If you do some more research (at your local library) about these Medicare Advantage plans such as AARP recommending the United Healthcare Medicare Advantage Plan - which is OK but leaves some outside providers out of the loop by ignoring their efforts to join. These are providers may be important to you, such as behavioral or social work type therapists, Physical Therapy places that are not connected to hospitals (and who knows who else.) I'd cold-call and ask the providers you use or are going to need now for this advice that you're asking us. They will be able to tell you how much trouble these various insurance arrangements are for them to bill.
Be sure to get info from these plans about what these drug plans charge you - specifically for the drugs you need.
Good luck and please report on the results for us here...
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