Showing posts with label Medicare Advantage. Show all posts
Showing posts with label Medicare Advantage. Show all posts

Sunday, October 6, 2013

Medicare providers

AvMed does it . . . again


AvMed, which promotes long-term patient-physician relationships in its PR, seems to make a habit of making such relationships impossible.

I’ve been an AvMed Advantage plan “member” since 2010.

Before signing on with AvMed I had an agreeable Primary Care Provider, a/k/a “PCP.” He’s an internal medicine specialist (“Specialize; you’ll do half the work and get twice the money” a cutter from my Air Force days told me) – in truth, he’s a General Practitioner (GP) and, I think, a darn good one.

BUT, in 2010 he wasn’t on AvMed’s physician’s list. I found a new, AvMed-listed PCP and went for a visit. I immediately disliked the new PCP, but I was “stuck.”

The I discovered that at the beginning of 2011, my old PCP was now on AvMed’s list so I quickly returned to his office. The medical staff is good; the office staff is not. But never mind.

The other day I receive notice that effective 1 January 2014, AvMed delisted my PCP.

This is not the first time AvMed has played the delisting/listing game.

I have high sugar and developing cataracts. A PCP of several years back told me to see an ophthalmologist to check for signs of diabetes. The result was negative – no signs of the disease. Since, I have had annual or twice-a-year visits with an ophthalmologist.

I had a good one listed by AvMed. Then he wasn’t. But a partner was, so I stayed with the same practice, but with a different doctor. Same office. Same techs and office staff. Different doctor.

Then AvMed delisted the second doctor. I was forced to find a new ophthalmologist and have my records forwarded – at my expense – to the new doctor. The new ophthalmologist is “OK,” but when the old practice advised me that AvMed had relisted my original ophthalmologist – and his partner – I planned to return to that practice come January 1, 2014.

AvMed has provided decent coverage and I have has two hospital stays under its Medicare Advantage plan. All-in-all, I was pleased with AvMed. (I’d had AvMed’s regular policy many years ago as an employee benefit; based on that I selected AvMed as my Medicare Advantage provider years later.)

The delisting of my PCP has a ripple effect on my health care.

I need to find a plan that lists both my PCP and the specialists and hospital I have used since 2011.

This turns out to be borderline impossible.

Last year, when my ophthalmologist was delisted, I tried to find out why. No success.

When I went looking for a replacement ophthalmologist, several told me that AvMed would have its physician’s list cast into concrete only in the following calendar year.

I’m not sure the other plan providers are any better.

One I just checked failed to list the hospital where I have a history, yet listed physicians who have privileges there.

In the end, I may start looking at Medicare Supplement plans that let me have access to any physician or facility that accepts Medicare. Unlike Advantage programs, however, the Supplement programs come at a cost over and above the Medicare Plan B premium.

Of course there always is “Original Medicare” with a Plan D (Rx) extra cost supplement. At least with “Original Medicare,” the patient doesn’t have to play “Find a new plan or provider” every couple of years.

I’m sure AvMed management (thinks it) has a reason for dropping my PCP, but it doesn’t win the plan any friends and it doesn’t promote long-term patient-provider relationships, and that (patient-provider relationships), in the end, is the true “bottom line.”

Wednesday, October 24, 2012

A Geezer's Trials & Tribulations


Medicare "Pick-a-Plan" time again

It's a frustrating time of year for geezers - that's anyone of Medicare age.

It's the annual time to "Pick A Plan."

I have a pretty good plan. I like my Primary Care Physician (PCP), a fellow by the name of Eduardo Perez-Stable. He's a Family Practitioner which, as a geezer, I translate to be "general practitioner" or "GP." I've got a lot of respect for GPs and this one in particular.

(When I was in the Air Force, back when Orville and Wilber were testing the winds at Kitty Hawk, NC, a surgeon told me that if I ever went into medicine - I was a corpsman then - I should specialize because, he said, you work half as hard and make twice the money. The guy was a gas passer and cutter and only slightly crazy, but that's why most GPs became Family Practitioners or Internal Medicine specialists.)

Anyway, I had my PCP before I had my Medicare Advantage program. When I joined The Plan, he wasn't a provider and I was forced to find a new PCP. Shortly thereafter I discovered that he had signed on with my Advantage plan and I immediately went back to his office.

Now, when it comes time to renew with The Plan I make certain that Eduardo Perez-Stable still is on the PCP list; if he's not, I'll go elsewhere.

The first year I was with this plan I had a really good ophthalmologist.

But he got dropped.

However he had a partner who the plan deemed acceptable.

Effective January 1, the partner no longer will be a plan provider, so I have to find a new ophthalmologist. Since I have borderline diabetes and since I am developing cataracts, it's in my best interest to keep the same physician over the long term.

But apparently that is not a concern of the Medicare Advantage provider.

I also am dealing with a cutter and that is "double jeopardy."

The cutter (surgeon) was on the provider list, but he and his partner changed practice affiliations, basically from one hospital to another. My plan has him on its provider list through the end of the year - but after that? When I called the plan's Help line I was told the cutter was terminating his relationship with the plan. The cutter's office manager denies this.

With Medicare Advantage, anything costing more than $9.95 (I'm being facetious) requires pre-approval, "authorization." It took about 3 weeks to get a CAT scan authorized. Question is, was the delay due to the plan or was it due to the cutter's office manager dragging her heels. She told me last Friday she would start the pre-surgery authorization process that afternoon; now, Tuesday, it still hasn't gone to the insurance company, I'm beginning to suspect the problem is with the cutter's office staff.

Less-than-efficient medical office staffs seem a constant in south Florida.

Approvals or not, the surgery - which is not an option - will result in a long-term relationship with the cutter; not just a few weeks or months, but annual checks. I would hope he and the Medicare Advantage provider can put the patient first - that's me, by the way - and engage in their own long-term relationship.

Of course there are other cutters who can read my records. I've moved around the country and transferred medical records from one doctor to another, but now I'm "situated" and have no plans to relocate.

I've got a good PCP - he actually listens (which is why he's always running late) - and I will sign up for any plan that includes him.

But I don't like hunting up new specialists every year.

To be fair, I don't know if my second local ophthalmologist quit the plan or the plan quit him.

The plan I'm on is pretty good - I compare plans annually - but I really would like a continuing relationship with my specialists. Apparently that is not a luxury I will enjoy.

Wednesday, February 16, 2011

How is it possible?

I have AvMed's Medicare Advantage plan.

It costs me a few cents less than $100-a-month (we have not had "pennies" since the Brits went home in 1776).

My Primary Care Physician (PCP) co-pay is $0 - zip, nada, effis. I pay $5 for visits to specialists. My medicines are free to me.

How is it then that if I had "original" Medicare I would have to pay more - a great deal more?

On one of my visits to a specialist in January I asked how much would I have to pay if I was using my Medicare card. The Sweet Young Thing did the math and came up with a figure close to $150. I paid $5.

Each month I get three prescriptions refilled at a nearby Target. Cost to me: $0. A one time prescription for special eye drops at CVS was, likewise, $0. My monthly bill at Target for 90-day supplies was, pre-AvMed, $30.

The question is: If AvMed and other private insurers can get me into the PCP for no dollars from my pocket, and if AvMed and other private insurers can get me my prescriptions for zero dollars, why can't Medicare do the same thing?

Medicare gets my $100-a-month and pays it out to AvMed.

Somehow AvMed managed to turn a profit. It did so well it managed (in the face of competition) to lower it's specialist co-pay from $25 to $5.

Back to the prescriptions. In order to have prescription coverage - which I found out is a requirement - there is an ADDITIONAL change by Medicare . . . and if you fail to sign up for (I think) Part D prescription coverage when first eligible, Medicare penalizes you - forever.

The current CEO of the U.S. proposes an omnibus health plan that will "control costs." If Medicare is any example of how the government will control costs, please - I can't afford it.

We DO need universal health care and we DO need to care for those who truly cannot care for themselves.

FOR THE RECORD: I have no interest in AvMed other than being an AvMed Medicare Advantage customer. I cite AvMed only because I know how it works for me.

Tuesday, February 1, 2011

Obama-care

 

I fancy myself as a fiscal conservative and a social liberal.

My general outlook is, conservatively, conservative; somewhat to the right of Genghis Khan. Meir Kahane and Shamai are preferred over Israel's first premier and Hillel.

When I first heard that Obama wanted to require everyone to have health insurance I was against the idea. The mere fact that we - Americans - are being told to pay for something or accept something we didn't volunteer to pay for or accept seemed downright un-American.

But now, after giving it some thought . . .

I believe we need some form of universal health care for all American citizens. I am specifically excluding illegal aliens and tourists. (When I go overseas, I have to pay for my health care, so why should a tourist get a free ride here? The exception being if the tourist is the victim of a crime on our soil.)

Given that, I've come around to accepting the principle that universal health care should be funded universally.

That does not mean that I am forced to buy a specific insurance plan, but it does mean that insurers - private and government - must offer affordable plans. It means that, as usual, government - that's you and me - must fund health care for indigents, people who are unable to work. People who are able but unwilling to work are another matter.

Today, 31 January 2011, the Florida court struck down Obama care's requirement to force everyone to have health care insurance as unconstitutional.

If making people pay for health insurance is unconstitutional then maybe Social Security - a forced tax - is unconstitutional. Likewise taxes to support health care facilities such as indigent care facilities in "county" hospitals.

Granted, I went to primary school many years ago, but I don't recall anything in the U.S. Constitution or any of its amendments that stated we have to pay into Social Security - originally established as a voluntary tax or Medi-something, or any social responsibility taxes, although remember I am a social liberal who believes we need to care for those who can't care for themselves.

I lived in Israel with its socialized medicine. I'm not the greatest fan of the system, but once you get past the primary care physician things are pretty good - and there always remains the private doctor waiting to take your cash. As a Medicare Advantage client, my HMO is pretty good (except when dealing with member services); call it "semi-socialized" health care.

We already pay for "semi-socialized" health care with every Medicare deduction from our pay checks.

The bottom line is I fail to see how the payment part of Obamacare is so onerous; why it is more objectionable than Medicare, Social Security, library and school taxes, and similar.

While I consider the current resident of 1600 Pennsylvania Avenue unworthy of the office, the financial part of the health care plan tossed out by the Florida court seems to make sense.

Admittedly the way the bill was pushed down our throats is contemptible, but at least this one portion seems reasonable, at least to me.

הריני מקבל עלי מצוה עשה של ואהבת לרעך כמוך, והריני אוהב כל אחד מבני ישראל כנפשי ומאודי

Tuesday, January 18, 2011

AvMed member "services?"

 

Sometimes I'm left scratching my head when dealing with "customer service" folks.

I recently sent a copy of a complaining letter to my insurance carrier; the original went to the physician with whom I am less than happy.

The electronic copy went to the insurer's Member Services Department. Like the paper copy, it contained details "by the numbers," details that could get lost or overlooked if I called the insurer's 800 number. Besides, I don't care to listen to elevator music-on-hold for 20 minutes while my call is ignored.

My email to AvMed generated the following scripted and totally useless response.

Dear Mr. Glenn,

We have received notification of your concerns regarding your physician services. Member satisfaction is of utmost importance to AvMed Health Plans and we regret any inconvenience this situation has caused. Please contact Member Services at the telephone number below if you would like to file a formal complaint.

If you have any further questions, please email us or contact Member Services 24 hours a day, 7 days a week at 1-800-782-8633.

Sincerely,

{name hidden to protect innocent}
Correspondence Coordinator
Member Services Department
Phone 1-800-782-8633

I would have thought a written message would qualify as a formal complaint.

There's always next November 15 (when I can change providers).