On 2/18/2026 5:42 PM, Daryl Stout wrote to Mike Dippel:

Mike,

United Healthcare, the largest provider of these plans posted
NET PROFITS of $ 23 Billion in 2023.

They didn't achieve that by approving needed medical care. If
out of network and IF your treatment is approved you will pay
more.

I don't have a Medicare Advantage plan, but with few exceptions,
UHC has been the best one for me, as follows:

1) No co-pay for my prescription drugs.
2) No co-pay for PCP visits (although I may have to pay for lab work).
3) $30 co-pay for specialist visits.
4) 12 medical round trips per year to doctors offices, etc.
5) An allowance that I use to lower my water and trash bill.

Daryl

When I retired from the city in 2002, I had an insurance rep come to the house to
discuss my options. The best option was the most expensive out-of-pocket monthly
premium.

It is a supplement F from UHC. I have no expenses at all for doctor visits, medical
equipment, and much more. I have a large payment upfront but no expenses afterwards.

I DO have to pay for prescription drugs bit I have Wellcare which has no monthly out-of-
pocket and most prescriptions are free or low cost.

Mike Dippel

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Mike,

It is a supplement F from UHC. I have no expenses at all for
doctor visits, medical equipment, and much more. I have a
large payment upfront but no expenses afterwards.

I dropped WellCare, and went with UHC. I just did an interview on
their plan the other day, and as a reward, I requested a $100 gift
card from Papa John's Pizza. I should have that in about a week, and
that'll give me some extra meals...although the tagline below comes
to mind. <G>

Daryl

... When told to cut carbohydrates, I sliced a pizza.
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On 3/12/2026 11:21 PM, Daryl Stout wrote to Mike Dippel:

Mike,

It is a supplement F from UHC. I have no expenses at all for
doctor visits, medical equipment, and much more. I have a
large payment upfront but no expenses afterwards.

I dropped WellCare, and went with UHC. I just did an interview on
their plan the other day, and as a reward, I requested a $100 gift
card from Papa John's Pizza. I should have that in about a week, and
that'll give me some extra meals...although the tagline below comes
to mind. <G>

Daryl

... When told to cut carbohydrates, I sliced a pizza.
=== MultiMail/Win v0.52
--- SBBSecho 3.32-Win32
* Origin: The Thunderbolt BBS - Little Rock, Arkansas (999:1/14)

So far this year, I have paid very little for my meds. I just ordered my insulin. Not sure
how much that will be, but it's the only one I am worried about.

Mike Dippel


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Mike,

So far this year, I have paid very little for my meds. I just
ordered my insulin. Not sure how much that will be, but it's
the only one I am worried about.

I don't have to pay for any of my prescription drugs, or PCP visits.
There's a $30 co-pay for specialists, though. At least my local area
pharmacy offers free delivery.

Daryl

... NBAcious - Last ditch effort of a player as the buzzer goes off.
=== MultiMail/Win v0.52
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* Origin: The Thunderbolt BBS - Little Rock, Arkansas (999:1/14)

On 3/25/2026 1:05 AM, Daryl Stout wrote to Mike Dippel:

Mike,

So far this year, I have paid very little for my meds. I just
ordered my insulin. Not sure how much that will be, but it's
the only one I am worried about.

I don't have to pay for any of my prescription drugs, or PCP visits. There's a $30 co-pay for specialists, though. At least my local area pharmacy offers free delivery.

Daryl

The insulin price remained the same: $35 per month which was the price under the ACA
(Affordable Care Act). I guess I can't kick about that. Of course, at my age it's hard to
kick anything without losing my balance :)

Mike Dippel

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