Managed care, or to use the phrase I prefer, MANGLED CARE, is a problem. Health care changed forever in the mid to late 1980’s. Managed care replaced indemnity and UCR went out the window.
In came mangled care.
Before managed care you could use any doctor, any hospital, anywhere in the U.S..
After managed care your doctor could be in network but your hospital isn’t. Or vice versa.
Diane Conine is just another example of health care mismanagement. Diane selected an Obamacare care plan in late 2018 on the federal health insurance exchange. Diane has cancer and a big medical bill.
Late last year, during Open Enrollment for 2019 insurance plans, the online information for consumers showed WellStar Health System hospitals and doctors as part of Anthem’s Pathway health plan. But enrollees say they didn’t realize during the sign-up period that the Anthem-WellStar contract for that plan was scheduled to end in February. – Georgia Health News
Diane had life-saving surgery at Piedmont Newnan. But then the medical bills started arriving.
She owes over $87,000 in out-of- network charges.
Mangled Care and Medicare
Obamacare plans and over half the Medicare Advantage plans in Georgia are managed care plans. Some are PPO, others HMO. A few are POS.
But all have networks.
Original Medicare does not have networks. You can use almost any doctor, any hospital, anywhere in the country. Never a surprise out-of-network charge.
#GAMedicareExpert Bob Vineyard has been on Medicare for almost 3 years. He also has a Medigap (Medicare supplement) plan HDF.
Medicare supplement Hi F or High Deductible F isn’t for everyone. Most people will save about $80/month vs. a typical G plan rate. If you have the traditional F plan your savings could top $120 per month.
How much could you save? We shop. You compare.
You have questions? We have answers. Georgia Medicare Plans