I don't know where you live. I was a nurse my life long and did NOT work for Kaiser, but since I have been retired these 15 years I have been on Kaiser and I LOVE it. I LOVE it. My partner as well. I never see a bill. I pay my copay, and that is IT. My bro, who I am currently POA for has United Health/AARP and I will say that their coverage is great for his hospitalizations, but the billing of each entity and person drives me nuts, the constant inflow of Medicare info and of what is covered. I have a massive GRID for all the entities, each of which uses billing system not out of their office but out of a company somewhere across the worlds. It drives me NUTS and that was for one 5 day hospitalization and 30 day rehab. So I sound like a Kaiser ad and I guess I am one. Sorry. Some admin may delete me. I have had people say "Well, you have to have their docs. " Right. But that is the way of it. You have a hospitalist all the time these days. And I love their docs, and I can CHANGE anyone I don't love. Once my partner ran into problems with a detached retina, and Kaiser actually offered to send us ANYWHERE if we chose another place. Turned out fine and we stayed right where we were. Another time my step daughter, also on Kaiser, was sent to UC hospital because she was so ill and needed non invasive gallbladder OR in their opinion for a stone in a duct; at that time the only endoscopic removals were done there. In any case, if you don't have them, I find while more expensive, that United Health covered very well for my bro, were very responsive when communicated with. I am unfamiliar with all others. It is a maze of them I am sure. Good luck. Hope folks will let us know who they have and if they are happy.
Call your Local Office of Aging. They may be able to take you thru what is available in your State. My friend just did this and OA made it so much easier. Be aware of Medicare Advantages verses straight Medicare and a supplimental. I have a friend who needed surgery. The doctor was right up the street. Medicare covered him but he wasn't in the MA network. Open enrollment she went back to straight Medicare with a suppliment.
I got my plans through BoomerBenefits, which happens to be located near Fort Worth although they deal nationwide. I have found them to be extremely friendly and helpful, and I heartily recommend them without reservation. They will help you see what you need and want, and then work to find companies that meet those needs. They follow up with you to make sure you are happy and gladly answer any questions, and will also help you file claims, etc. However, I'm sure there are others who also are good.
So I sound like a Kaiser ad and I guess I am one. Sorry. Some admin may delete me. I have had people say "Well, you have to have their docs. " Right. But that is the way of it. You have a hospitalist all the time these days. And I love their docs, and I can CHANGE anyone I don't love. Once my partner ran into problems with a detached retina, and Kaiser actually offered to send us ANYWHERE if we chose another place. Turned out fine and we stayed right where we were. Another time my step daughter, also on Kaiser, was sent to UC hospital because she was so ill and needed non invasive gallbladder OR in their opinion for a stone in a duct; at that time the only endoscopic removals were done there.
In any case, if you don't have them, I find while more expensive, that United Health covered very well for my bro, were very responsive when communicated with. I am unfamiliar with all others. It is a maze of them I am sure. Good luck. Hope folks will let us know who they have and if they are happy.