Senior Member
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Join Date: Jan 2008
Location: at home, of course
Posts: 1,140
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Senior Member
Join Date: Jan 2008
Location: at home, of course
Posts: 1,140
|
some of the questions you need to consider:
Medicare:
do I want part A (automatic get this, covers hospitalization needs) with or without part B (which has a base premium, covers non hospital charges such as MD visits, medical equipment, lab fees)
do I want part D (Medicare Drug Plan,covers drugs) or no part D *caution: if you do not sign up for a part D plan when first eligible there is a penalty assessed later, based on how long you waited. Most states have at tleast one part D plan that is free/super cheap compared to eventually having to pay the penalty forever
do I want Medicare (part A, B &D) or Medicare Advantage plan (all cover A&D, check if it includes part D coverage or not)
I often find the easiest and smartest thing to do is to go through my local AAA or SCHIP counselors -> they are paid by the federal government to impartially advise those eligible for Medicare on which plan is best for you, based on your needs and "comfort level" with expensses & coverage. You can also search plans & coverage online at medicare.gov
Note: you are comparing apples to oranges. Remember that every single one of us has different plans (even if called by same name, like Anthem BCBS) based on where we live AND what we need/can afford/can risk
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Jane
Cleverly disguised as a responsible adult!
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