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I know plan N has a copayment of up to $20 for doctors office visits, but if you have a $2500.00 outpatient surgery, or if you have inpatient surgery surgeons fees anesthesiologist fees etc. what do you pay $20.00?????
Modernized Plan N Questions
- Thread starter dandan
- Start date
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Don't forget the $155.00 Part B deductible.
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- #3
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Yep, I understand they are responsible for the deductible and also upto $50 for emergency room visits.
I would assume 20 bucks.
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- 424
I am assuming the same, although I have called Mutual Of Omaha and my upline and i am not getting concrete answers.
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The Part B Copay is "up to" $20.00 period. Surgeons and anesthesiologist fees are paid under Part B. It doesn't matter where the doctor sees the patient, they all fall under Part B.
MOO is taking the approach that Part B Copay is either 20% or $20.00, which ever is less. I haven't seen any other company take that approach.
MOO is taking the approach that Part B Copay is either 20% or $20.00, which ever is less. I haven't seen any other company take that approach.
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The "up to $20" is for the office visit alone. Not for any tests or lab work or procedures done by the doctor. There is the $50 for the ER, and the part B deductible of course, but as long as they are not on a plan F/J already...the N plan is a good deal for those that don't go to the doctor that much.
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The $20 copay does not apply to outpatient surgery, ambulance, MRI's, X-rays, Medical supplies, diabetic supplies, etc. The $20 copay would be for office calls, which would include specialists, chiropractic care, and I'm guessing physical therapy. Starting 1-1-11, preventative care is supposed to be covered at 100% with no $155 deductible or copay
You sir are correct about the $20 copay and it is my opinion that Frank is incorrect. The problem with "people that don't go to the doctor that much" is the fact that we never know when that is going to change, and if it becomes a serious illness(COPD,Diabetes,etc.), it may be too late to swith to a better plan,depending on which state you are in . Thanks for the post.
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I'm looking at new rates for Blue Cross of California. At age 70, the difference between F and N is $58 per month. Knock off $15 for Part B deductible (using $180 a year in the future) and the client still saves $43 per month. Rarely does anyone go to the doctor for a visit more than 24 times a year.
If someone goes 25 times, it's a break even against Plan F.
It doesn't matter in this case if someone is diabetic or has COPD, Plan N is by far the best choice. The fact that someone sees doctors on a regular basis does not "disqualify" him from Plan N.
One really needs to do the math to see if N is a better deal than F. In the case of a 70 year old in Los Anglees, F really makes no sense.
Many times a blanket statement about which plan is good and which plan is bad is simply based upon ignorance rather than facts.
Rick
If someone goes 25 times, it's a break even against Plan F.
It doesn't matter in this case if someone is diabetic or has COPD, Plan N is by far the best choice. The fact that someone sees doctors on a regular basis does not "disqualify" him from Plan N.
One really needs to do the math to see if N is a better deal than F. In the case of a 70 year old in Los Anglees, F really makes no sense.
Many times a blanket statement about which plan is good and which plan is bad is simply based upon ignorance rather than facts.
Rick
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