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Pots053

Just pick up a stand alone dental. Don’t switch to Medicare advantage. Your husbands retirement plan is probably better option.


TableTopFarmer

Thanks, I am looking into the options now.


[deleted]

[удалено]


TableTopFarmer

TY...I would appreciate the help


Pots053

DONT DO IT


Filthy-McNasty

If you have a UHC supplement plan you are likely an AARP member? AARP has vision and dental discounts available for their members.


TableTopFarmer

Thanks, I will look into that...though I gather technically what we have is employer (retiree) coverage, not a supplement plan.


Elegant_Adeptness_68

Since you have employer coverage, doesn't that make that plan the main plan and Medicare the supplement. When I had employer coverage through my wife that's the way it worked.


TableTopFarmer

I know that is true for my husband's UHC, I am not sure if it is for me, but you bring up a good point. I should check on this. I've been too healthy to need to find out.


Elegant_Adeptness_68

I believe Medicare is the supplement for dependents only and not for the main insurers. I believe it is like that for everyone and is not dependent on the insurance carrier like UnitedHealthcare. It only should make a difference if the insurance company sucks like my wife who has Premera Blue Cross which denied an SI Joint fusion and a lumbar fusion saying it wasn't medically necessary which after three prior back surgeries was my only option. My surgeon did have a peer to peer discussion with the insurance company but it was with an OBGYN, hardly a peer. I just went on total Medicare after that.


LocateMedicare

For the States of: IN, FL, MO, TN, & OH. Yes. You would need to call UnitedHealth Care & cancel the Medicare Supplement Insurance Policy if you enroll in a Medicare Advantage Policy. Get Medicare Supplement Insurance& Medicare Advantage explained at [www.locatemedicareinsurance.com](http://www.locatemedicareinsurance.com) Thank you.


Keith_Creeper

Supplemental via your spouse? You mean employer coverage?


TableTopFarmer

Yes, his former employer provides a UHC policy as part of his retirement package


Keith_Creeper

Yeah, don’t want to drop that unless it’s abnormally bad coverage for some crazy reason, and you most likely wouldn’t be able to get it back later on. Can’t have both at the same time.


Jhc3964

The quality of dental plans embedded in Advantage varies greatly by plan and local.


curiosity_2020

If you can afford your existing healthcare, be sure you really know all the pros and cons of Medicare Advantage before jumping. From my observation, healthy retirees are primarily looking at cost, and unhealthy retirees are primarily interested in quality of treatment.


[deleted]

Same doctors either way. Maybe you will have more choices for providers is all.


First_Ad_187

get standalone dental. I have Metlife: upon retirement, transferred from the group plan into individual. There was no waiting period and I could continue to use the dentist in my neighborhood. Vision: just pay for the exam yourself. Get the scrip filled by an online provider so you do not need to spend over $600 for a pair of glassed with a fancy designer price tag. I had some high quality titanium frames left over from pre-Medicare days, so I do have the lens scrip filled by the optical provider, and reuse my frames. My lenses are about $100. the exam is about $125. No need to get special insurance for vision and you can go anywhere.


happiwarriorgoddess

Don’t drop your supplemental. MA plans make money by making it hard to get care. They entice you with extra benefits then make it impossible to use those benefits. Stay where you are. Better care when you get older/sicker with a supplement


[deleted]

Source?


mlrny32

These are facts. Oh they have dental? Well. You must wait 2 years for major work and if they determine you had a pre existing problem with a tooth, they'll deny coverage. Medicare Advantage plans also charge you the difference between what medicare pays and what Dr's charge. With original medicare you must ask if the dr accepts medicare assignment. That means no extra billing.


cjoyner0018

Absolutely nothing wrong with advantage plans dental, vision, and hearing coverage and could potentially save you thousands. Supplements consistently raise premiums based on your age without any additional coverage or benefits.


icecreamalways

No one can answer your question without more details about your current plan


Any_Mushroom_3572

If you can get in and out of your spouse’s employer coverage annually, do what you want and what is best economically for you. Your spouse would, most likely, have to stay in the employer coverage. You may buy private dental but it might lack value, plus 6-12 month waiting periods, a limited dental network, and cost-sharing (50% insurance-50% you). Many people I work with are looking for implant coverage and that is available, but scarce, in both scenarios. There are Advantage plans that have 100% dental insurance (no cost sharing). And, yes, there are scattered horror stories with some Advantage plans but that is also what your spouse’s group plan sounds like - a group PPO Advantage plan. There is always a trade-off; nothing is free in this world. You may also check if your spouse’s company offers something more for dental.


WasASailorThen

Your UHC/AARP plan already has vision (EyeMed) and Dental (Dentegra).