Sounds like the OP has an EGWP through IBM.This confuses me.
Are you saying IBM chooses your plan and pays the Medicare premium?
I always thought at 65 you are on your own unless you truly have retirement HC benefits outside of Medicare
Sounds like the OP has an EGWP through IBM.This confuses me.
Are you saying IBM chooses your plan and pays the Medicare premium?
I always thought at 65 you are on your own unless you truly have retirement HC benefits outside of Medicare
Ah. Googled that. Learned something! Thanks!!Sounds like the OP has an EGWP through IBM.
What does it cost for your COSTCO? I got glasses at Walmart no insurance around $320 with options. And LC inflating charges when covered by insurance, is their list price the same without? That is one reason I quit the insurance was LC and their charges.I just got new glasses. The place with the nation-wide retail glasses stores which initials are "LC" were "in network". Their list price for the glasses were $650.00. After insurance they were $350.00
Costco -which my insurance will not do business with was $250.00. That's where I ended up getting them.
My Medicare Advantage plan being aIBM retiree includes medical and dental. The medical seems pretty good but the dental is a joke. IBM is out to save money on retiree benefits nor provide great plans.IMO, $2000 seems like a lot for a root canal, even for a molar.
Anyhow, what's the premium for this particular dental policy that you have?
I retired from IBM several years ago with a defined pension. At this point in time (it changed for 2023) IBM offers a Medicare Advantage plan for my group of retirees. You have your choice of two plans one a little more enhanced. Both have the same dental. One is free to me and the other costs a little. It's basically a group plan for IBM retirees. With a Medicare Advantage plan Medicare pays the insurance company for the plan and the insurance company pays all the bills. I of course have to keep paying for Medicare Part B at an outrageous cost since I am still working and earning a decent salary.This confuses me.
Are you saying IBM chooses your plan and pays the Medicare premium?
I always thought at 65 you are on your own unless you truly have retirement HC benefits outside of Medicare
If your asking what the membership is-it's like $60.00.What does it cost for your COSTCO? I got glasses at Walmart no insurance around $320 with options. And LC inflating charges when covered by insurance, is their list price the same without? That is one reason I quit the insurance was LC and their charges.
Mine includes eye care as well, but Costco doesn't accept it directly. Ugg. Need to submit claims.If your asking what the membership is-it's like $60.00.
But the gas savings alone pays for the membership. Plus got a SUBSTIANTIAL rebate from my (travel) purchases last year.
The "eye vision" is included in my "Advantage Plus" program. But as you can see not really a benefit with a Costco close by.
Mine includes eye care as well, but Costco doesn't accept it directly. Ugg. Need to submit claims.
Seems like an unlikely setup without some system overhaul. I thought employer contributions are limited to FSAs both in initial unmatched amounts and then how much employers can match dollar for dollar? And FSAs have either a cap for how much can rollover year over year or it defaults at the end of the year to being lost (back to the employer).This is pretty much the norm for all dentists (worth going to) today. I don't know of a private practice (i.e.: not a retail storefront chain dental clinic) that is in network for any insurance around my area THAT IS BOOKING APPOINTMENTS LESS THAN 8-12 MONTHS OUT.
Here's where you battle this- it's with your employer/HR. Tell them that there are no dentists that take insurance. IMO, the best way around this is for companies to contribute to an FSA account for you in the amount of an agreed-upon amount that the dental insurance would pay out for you plus the premiums your employer would pay. This would most likely work out better for the employee, plus they can contribute money that is not Federally taxed to this FSA to assist with dental bills and more.
My complaint is how little they agree to pay an in-network endodontist. I cannot imagine a endodontist would really do a root canal for $484 in Delaware. So I am thinking their in-network agreed payment is BS. If you cannot find an in-network endodontist to do a root canal in a reasonable amount of time then obviously the in-network payment is too low.Guy goes to and out of network dentist and has a procedure. The dental insurance pays exactly what the policy is required to pay. Goes on a oil forum and complains about it.
I love it!
had a root canal two weeks ago - $3600 … (I paid half) …It's $250 for a single basic cavity drill and fill now. No way anyone's going to root canal for under a grand.