I picked the plan with the lowest premium, but now every doctor visit feels like a surprise bill. Should I have gone with a higher premium instead?
Answered by 18 licensed agents
There are many factors to consider when choosing your plan: network available in your geography, accessibility of providers & current health conditions. It’s not as easy to evaluate a plan based off premium unload. One needs to evaluate the big picture when choosing a plan.
Medica policies are very different from one another. You probably came up short with your needs analysis or listen to a friend who suggested their ““ Best” policy.
A careful needs analysis and consideration for finances is the most appropriate way to determine which policy is “best” for you.
If you’d like assistance with this analysis, please contact me for a free consultation at 760-831-2736.
If I knew what you have I could understand what you have.
If you got a supplemental with a high deductible then you will be paying 20% of your bills until you hit 2700.
If you have a medicare advantage and it is no cost you should not have any surprise billing. It should only be the copay shown. I would have to look at your plan to understand what is happening
If you have original Medicare and chose a plan like the HDG - or the N plan or K / L there will be copays and deductibles. Medicare will pay after the deductible of 257$ 80/20. These plans all have different variations of copays so it will likely cost you different copays when you go to the dr.
If you chose a Medicare Advantage plan you have replaced original Medicare with this plan and therefore you will have to read that plans summary of benefits to determine your copays and out of pocket costs.
You can reach out to me if you need help understanding what you have and what costs you can expect.
Higher premiums are not necessarily the answer. You have to work with a Medicare Broker who is willing to deep dive into your specific needs and doctors. The different Plans offered through carriers for Medicare Advantage have different benefits.
Yes. You know the expression: “You get what you pay for”. In the case of plans covering your health, the same thing applies. But, If you are still in the 1st year of Medicare, you are entitled to a benefit known as a “trial right”. This means that as long as you have yet to turn age 66, you can exercise that right (with no medical questions being asked) and acquire a Medicare Supplement or a Medigap plan with a monthly premium. When you were about to enter Medicare, I doubt that you spoke with more than one agent. If you had, you would have received lessons from 2 to 3 different agents, giving you a variety of rules which demonstrate the quirkiness of our illustrious healthcare system!
It depends if you're talking about a medicare.Advantage or a medicare supplement.A medicare supplement plan g would be a standard premium and then you would pay a deductible once and then there would be no surprises.All bills would be covered if you're having in copays every appointment you go to, then you may have a medicare advantage.Contact me and we can discuss further.
My first question is did you check to make certain that the providers you value are in the network of the plan you purchased. Second did you clearly understand the plan deductibles for in and out of network care. Were you clear on plan Co Pays in and out of network? Are you receiving services that are covered by Medicare?
The agent didn't ask the correct questions to put you on the proper plan. The entire process cannot be rushed to get a plan that will have lower out-of-pocket costs. You must make sure that your premiums are maxed out so that your out-of-pocket expenses are lower. AEP is Oct 15 - Dec 07, 2025, for the 2026 season.
That would be dependent on the medical service you received once you saw your provider and how that claim was coded to the insurance company and then if that claim was paid or not through the carrier. This is a perfect example of utilizing a health insurance broker experience when it comes to your medical expenses. I personally have been in this situation with my clients before and once we've done the investigation traditionally we find the doctor's office was at fault on submitting the CPT codes correctly to the insurance company. To answer your question, a higher premium doesn't always translate to lowering your cost on your medical expenses when you use the insurance and receiving medical treatment.
This question must be for a Medicare Advantage plan which has a zero premium with specific copays for specialists. If a person needs to see their pain management specialist every month as some do, they are required to pay the copay which is generally about $50. There are plans with zero premium and specialist copays of $0-$30 available, but I have to check your zip code and doctor's names to see if they are in-network.
What kind of plan did you pick? A Medicare Supplement or Medicare Advantage?
I'm guessing a Medicare Advantage plan. But you've provided too little information about the plan type and your needs for anyone to truly advise you well.
Higher premiums are not necessarily the answer. You have to work with a Medicare Broker who is willing to deep dive into your specific needs and doctors. The different Plans offered through carriers for Medicare Advantage have different benefits. They will often soften some benefits in one area to make them more robust in another. The key is for you to communicate what your primary needs and concerns are and EXPECT your Broker to do the research to find the plan best for you.
This is definitely going to depend on the type of Medicare plan you've chosen and frequency of doctor visits. With Medicare supplement (also known as Medigap) plans, typically the higher the premium payment means greater coverage from plan letter to plan letter (such as Plan N costs more AND covers more than Plan A but Plan G costs more AND covers more than Plan N). So price can certainly determine coverage.
With a Medicare Advantage plan, many are $0 premium per month but you WILL be billed or charged copays for any services rendered or doctor visits made.