Optum Rx Mail Order Pharmacy is terrible

[Hokie]

12. Here was the math for me

In Florida my supplemental plan had a monthly premium of over $165 per month. That is $2k per year. I found for routine visits to primary care physicians and specialists that the supplemental plan N paid exactly nothing over what Medicare paid. It only kicked in for hospital care. There was no dental or vision benefit either. My Part D drug premium was around $15 per month or $180 per year.

On my Medicare Advantage plan my premium is $0, my co-pays for specialists are $20, and dental and vision coverage are included. I pay nothing for my semiannual cleaning and X-rays at the dentist. I also get wellness benefits that can amount to $200-$400 per year. Part D is included and my drug costs are $0. Yes, I have to research in network doctors but so far I have been successful in finding doctors.

One problem with Medicare Advantage HMO's has been non-portability. That is important since we split time between Florida and Colorado. The AARP/UHC MA plan now is nationwide. Before I had to notify them when we were living at another address. Now the plan is nationwide.

I see no reason to go back to a supplemental plan as long as I can find doctors in network I can be comfortable with visiting.