Walaby wrote:

OP is willing to roll the dice and bet on his continued good health. Which is fine until, as some have pointed out, something catastrophic occurs. Doesn't even have to really be catastrophic, as Lou points out with a "simple" pinched nerve.

Whatever you do, Steve, I wish you continued good health and no regrets on whatever you decide.

Mike

ItsyRV wrote:

The issue some have with these "any network provider" Medicare Advantage "nationwide" plans are in some parts of the country, there are too few providers let alone any specialist. Even when there are providers, the next available appointment for non in-state enrolled patient is a month or more out. Humana, like all "networked" Advantage plans is provider deserts, no provider within any reasonable travel distance. Yes, you may be able to go out of network in some cases and have a portion covered, but often they use the network requirement for coverage as an excuse to deny payment.

I don't think is really a case of "gambling", more like a careful needed evaluation of risk vs rewards. For the rewards of saving substantial money, can you tolerate the risk of a possible no or denied coverage and expense?

DallasSteve wrote:

There are several posts here promoting AARP insurance. I was an AARP member a few years ago. They would periodically send me mail promoting their car insurance or health insurance. When I compared the prices for those insurance products with what I already had they were much more expensive. You would think that if AARP was using its millions of members as an incentive to insurance companies, that they would get better rates than non-AARP insurance offers. I wonder where that extra money is going? Maybe into the pockets of the executives at AARP?

DallasSteve wrote:

There are several posts here promoting AARP insurance. I was an AARP member a few years ago. They would periodically send me mail promoting their car insurance or health insurance. When I compared the prices for those insurance products with what I already had they were much more expensive. You would think that if AARP was using its millions of members as an incentive to insurance companies, that they would get better rates than non-AARP insurance offers. I wonder where that extra money is going? Maybe into the pockets of the executives at AARP?

LouLawrence wrote:

We travel full time and have for many years. I am in excellent health but have been battling a pinched nerve in my neck. Long story short, I ended up with MRI, surgery, neurosurgeon, 2 nights hospital. Now sitting for 3 months with no driving but traditional Medicare and a part F supplement appears to be covering it all but expect some bills for the required deductible payments.