Reply
Highlighted
Periodic Contributor
0
Kudos
1276
Views

Re: Optum RX - STAY AWAY

1,276 Views
Message 31 of 126

Advantage plans don't dictate any part of your healthcare to you. You can go to any physician you want to. They are the same as any supplement plan, but they often don't have any monthly coverage costs. With your supplement plan, you are paying $150 a month in addition to your Medicare deduction from your social security check. That's $1800 a year extra.

I pay nothing for the same benefits with my Advantage plan. While you may have no copays for dr. visits, I have a $45 copay for a specialist visit (nothing for primary care).And no other charges. I would have to go to a doctor three times every month to get to the costs you pay monthly. That never happens. So I save money with my advantage plan even if I have up front costs. It's so much cheaper. It's like paying ala carte for food vs. paying a lump sum for a banquet you're not going to eat half of. Insurance companies under Medicare have to offer the same product. Medicare coverage is way different than private insurance plans. You are paying extra for no extra coverage.

Report Inappropriate Content
0
Kudos
1276
Views
Highlighted
Regular Contributor
0
Kudos
1311
Views

Re: Optum RX - STAY AWAY

1,311 Views
Message 32 of 126

I should also say that UHC pays all my Medicare deductibles (I was lucky enough to get Plan F because I turned 65 in December) but I don't think that's available anymore in 2020. There is another plan that's similar. Maybe during open enrollment you can change? It's not worth it to me to have the aggravation if you can pay but I know that not everyone has that option. My Medicare D is not an expensive plan. It's under $30 a month but I don't take many meds. I get a couple of them at Costco for dirt cheap out of pocket and don't use insurance. 
Nina

Report Inappropriate Content
0
Kudos
1311
Views
Highlighted
Periodic Contributor
0
Kudos
1293
Views

Re: Optum RX - STAY AWAY

1,293 Views
Message 33 of 126

OptumRX can't and won't exchange your mom's scripts with the most expensive thing out there.  They are by law ONLY allowed to fill for whatever your doctor wrote. If they err on any side at all, they will choose the cheapest generic they can find with which to fill your prescription. They will not give you choices for generic manufacturers when one might work better for you than another. They say they are too big and they can't provide that service. Some private pharmacies will do that though. You can call around and find the manufacturer you like at the pharmacy of your choice. They have to tell you which company they use to fill which medicine's generic and you can request one over another. You are not obligated to use Optum. If you are having an issue with a medication, ask your doctor to rewrite the prescription and get it in paper form. Then take that script to wherever you get the best deal. My husband's script for Indomethacin at Optum costs several hundred dollars. At Costco we got it for less than $30. Kroger has a savings club you can join for a few bucks a year. My $47 prescription at OptumRX costs me nothing at Kroger as long as I subscribe to the club. The subscription is less than the cost of one script with Optum. So you have to do your homework but you can beat the idiots at Optum.

Report Inappropriate Content
0
Kudos
1293
Views
Highlighted
Regular Contributor
0
Kudos
1003
Views

Re: Optum RX - STAY AWAY

1,003 Views
Message 34 of 126

Sorry, I don't know much about Medicare Advantage. I personally don't like any HMO coverages because I know how they operate. It's a big stretch for me to pay an extra $ $150 per month on top of the Social Security Medicare premium. It is worth it for me not having the headaches even though it's more expensive and I'm not a wealthy person by any means. I don't like insurance companies dictating to me how to handle my medical care. 

Report Inappropriate Content
0
Kudos
1003
Views
Highlighted
Periodic Contributor
0
Kudos
935
Views

Re: Optum RX - STAY AWAY

935 Views
Message 35 of 126

if you are on the advantage system......only

Report Inappropriate Content
0
Kudos
935
Views
Highlighted
Periodic Contributor
0
Kudos
925
Views

Re: Optum RX - STAY AWAY

925 Views
Message 36 of 126

Yes. It's an AARP/UHC Advantage Plan. It costs me nothing per month.  But I'm stuck with the idiocy that is OptumRX. After three years I have learned to work around them. There are many ways to do it. Don't expect them to change and don't expect AARP to help you. I think they are doing their members a terrific disservice, but AARP doesn't seem to care as they must be getting a great kickback from UHC.

Report Inappropriate Content
0
Kudos
925
Views
Highlighted
Regular Contributor
0
Kudos
871
Views

Re: Optum RX - STAY AWAY

871 Views
Message 37 of 126

Interesting. I have United Healthcare supplement and Express Scripts. Is that with Medicare Advantage only?

Report Inappropriate Content
0
Kudos
871
Views
Highlighted
Periodic Contributor
0
Kudos
842
Views

Re: Optum RX - STAY AWAY

842 Views
Message 38 of 126

Do Not submit scripts electronically unless you want Optum to fill it automatically. If you EVER give OptumRX a Credit Card they will keep it, store it until your next doctor-submitted prescription, and fill it whether you need it or not, and charge your card. ALWAYS ask your doctor for a printed prescription, and then take it or send it wherever you want it filled. Shop around for the best price. I have received free prescriptions after joining the Kroger savings club for meds which cost me $47 through my plan. Shop around.

Report Inappropriate Content
0
Kudos
842
Views
Highlighted
Periodic Contributor
0
Kudos
824
Views

Re: Optum RX - STAY AWAY

824 Views
Message 39 of 126

You can't change prescription plans unless you change insurance carriers. OPTUM is UHC's prescription drug plan and it is a part of UHC. You can change insurance carriers in NOV/DEC during change time and possibly choose a new drug plan. But you have to leave UHC.

Report Inappropriate Content
0
Kudos
824
Views
Highlighted
Regular Contributor
0
Kudos
804
Views

Re: Optum RX - STAY AWAY

804 Views
Message 40 of 126

I wonder if there is a way to change  plans if you call Medicare to complain. There also may be a time frame to be able to switch. 
Nina

Report Inappropriate Content
0
Kudos
804
Views
cancel
Showing results for 
Search instead for 
Did you mean: 
Users
Announcements

Introducing jen43, one of our featured ACEs! Check out their profile and fill yours out, today!

Meet an ACE

Top Authors