xtratoy
Hunter
Are you on original Medicare or an advantage plan or Medigap plan? Which alphabet plan did you pick? Been looking on YouTube and no closer to figuring it out.
Medicare questions
- Thread starter xtratoy
- Start date
crstrode
Blackhawk
Every plan is different and every plan changes every day. Every plan has more drawbacks than positives.
Do what I did.
Let your wife figure it out.
Do what I did.
Let your wife figure it out.
Jimbo357mag
Hawkeye
There are agencies that can help you figure what might be best for you. Look for an independent agency.
Mine helped me pick regular Medicare Plan F. I am not sure if that exists now. They helped me pic an insurance company, United American, and a prescription provider United Health Care, my wife has Humana for prescriptions and the difference was the prescriptions we take. That Plan F provides complete coverage for everything that Medicare doesn't cover, no co-pays, no networks, no exceptions. It isn't cheap. We pay about $500 a month for both of us. Seems like a lot until you have to go in the hospital and it is renewable indefinitely with cost increases.
Good luck with your search.
Mine helped me pick regular Medicare Plan F. I am not sure if that exists now. They helped me pic an insurance company, United American, and a prescription provider United Health Care, my wife has Humana for prescriptions and the difference was the prescriptions we take. That Plan F provides complete coverage for everything that Medicare doesn't cover, no co-pays, no networks, no exceptions. It isn't cheap. We pay about $500 a month for both of us. Seems like a lot until you have to go in the hospital and it is renewable indefinitely with cost increases.
Good luck with your search.
powder smoke
Hawkeye
crstrode said:
Same here, Linda is tight on the greenbacks it's not that I can not do it,
It's because I do not want to do it! Pisses me off when I start working the numbers
and see whats going on. It's terrible. Same with the IRS they piss me off also!
I hate it! All the entitlement folks free housing food stamps Liheap free heating oil
drives me crazy I stay away from government paper work better for my blood pressure!
Just Imagine if EVERYBODY Chipped in your taxes probably be cut in half. Makes my blood boil. ps
caryc
Hawkeye
I'm on medicare through a Kaiser senior plan. I pay nothing. A Kaiser hospital is about 20 minutes from me.
MADDOG 521
Single-Sixer
Be sure to compare the G plan cost to the others that are offered.
I choose the G plan.
I choose the G plan.
I had a professional with AMAC review my options with me. For the second year in a row I went with Humana. I pay for my meds out of pocket, because when I have insurance, the costs skyrocket!
gramps
gramps
ronto
Hunter
I have original Medicare Parts A and B. As with my home and auto insurance, I have the highest deductible plan available. I don't have Part D since my only med has several generic manufacturers hence is very cheap ($40/year).
I have "original" as far as I know. Since Grouch Attack isn't old enough for MediCare, I maintain the same insurance as I had before I signed up for MediCare. That insurance covers everything that MC doesn't and provides far better emergency care plus prescription coverage. In a couple more years, we'll probably change to a backup or gap coverage that's more affordable.
Not sure where you are at with this, there are SO many options. We ended up going with United Health Care thru AARP as a backup to Medicare. So far, so good. We've even gotten refunds on some drugs because they were charging too much. :mrgreen: A little over a hundred a month each, which seems pretty comparable. I don't know the types, letters and such for the coverage - as has been said, the wife runs this, she spent 25+ years working for a medical and life insurance company. She still bitches about how complicated it all is and how difficult to decide which to choose. Sometimes competition just makes things more of a mess.
Igor
Single-Sixer
I feel that it is totally appropriate to mention here that AARP is an anti-gun organization. AARP supported the Brady Handgun Violence Prevention Act, which went into law in 1994. Since then, they have been on-board with other gun-control measures. I believe that seniors have other options than to support AARP.
daveg.inkc
Hunter
Blue Cross Advantage has same coverage as AARP. I don’t know if BC is anti gun. AARP sure is. Main reason I throw their mail in recycling bin. BC Advantage has an Over The Counter card. $25 a month for many items. Tooth brushes, anti acid. Bandaids. Pain reliever.
Y'all know that is all socialism.... created by the left wing liberals to keep old people in the line to a quick demise.......
ohio bowhunter
Single-Sixer
Be aware that if you don't choose a prescription drug plan when eligible , you will have to pay a penalty fee for each month you went without coverage when you do decide that you need it.
I didn't know this , and when I signed up for part A and B opted not to get a drug plan because my prescriptions were cheap.
Fast forward a few years , more expensive prescriptions , so I applied for part D during open enrollment. I now have to pay the penalty fee for each month that I did not have "approved coverage" while eligible . This is forever , it never goes away.
If you have Rx coverage through your spouses job etc. that counts as "approved coverage"
It's a fact and can be verified on the Medicare website.
I didn't know this , and when I signed up for part A and B opted not to get a drug plan because my prescriptions were cheap.
Fast forward a few years , more expensive prescriptions , so I applied for part D during open enrollment. I now have to pay the penalty fee for each month that I did not have "approved coverage" while eligible . This is forever , it never goes away.
If you have Rx coverage through your spouses job etc. that counts as "approved coverage"
It's a fact and can be verified on the Medicare website.
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