Medicare supplement plans
#1
Power Poster
Thread Starter
Join Date: Jan 2011
Location: Southern USA
Posts: 16,433
Medicare supplement plans
I went to a medicare seminar and was shocked at the different options. There is a lot of out of pocket costs with A B and C plans. I didn't know you could choose a plan for specific illenss like diabetes, cancer, and other chronic illness. It sure pays to go to one of the seminars that explains everything. No selling allowed at medicare sponsored ones. Anyone here have the F plan? That has no out of pocket cost or co pays. No limits.
#4
I went to a medicare seminar and was shocked at the different options. There is a lot of out of pocket costs with A B and C plans. I didn't know you could choose a plan for specific illenss like diabetes, cancer, and other chronic illness. It sure pays to go to one of the seminars that explains everything. No selling allowed at medicare sponsored ones. Anyone here have the F plan? That has no out of pocket cost or co pays. No limits.
#6
I kept my full BCBS. I couldn't find a seminar close to me & the only people who would talk with me weren't the ones I wanted to talk to. The drug plan was one of our concerns. My husband is an insulin diabetic, has heart issues, BP, prostrate, on & on and I have a chronic condition that requires treatment every 3-5 months + monthly dr visits & specialists. So we kept our full BCBS plan & took Medicare. I've been on Medicare for 4 yrs, my husband just one.
#8
Power Poster
Join Date: Dec 2008
Location: Western Wisconsin
Posts: 12,930
We have F. Be sure to get a prescription drug plan too. If you go longer than 6 months without one, you get charged more when you do get one. The longer you don't have one, the higher the percentage rate extra you are charged.
#9
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Join Date: Nov 2009
Location: Mableton, GA
Posts: 11,337
If you are covered by a good plan through your or husband's employer and can keep it, do consider what GremE said too. We have good coverage through my former employer so I opted for straight Medicare and that other coverage acts as my supplement. Hubby has 5 more years before he is eligible for Medicare and if the coverage is still as good he will stay on it too.
#10
Senior Member
Join Date: Sep 2011
Location: Winston-Salem, North Carolina
Posts: 939
There is an organization in every state called SHIIP - Senior Health Insurance Information Program. It is free. They will help you with all you insurance questions and concerns and help you navigate the very confusing world of Medicare. They will even be an advocate should you ever need one. Call you local Senior Services for more information.
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