Medigap
 

Anyone here from the state of Indiana on medicare have a medigap plan?

i live in florida and have original medicare.
i had plan k supplement with aarp but this yr i turned 65 and went to plan f.

it's their most comprehensive plan which i figured i needed because i'm having back surgery this yr. my out of pocket costs are so high, that's why i changed.
even tho the plan is expensive i thought saving OOP expenses would off set it.

hope that makes sense.

Doesn't AARP only give you referals to different kinds of insurance companys that they have programs or kick backs with and you choose which one you want and you still have to pay that companies regular fee and deductibles? My dh and I looked into that when he had AARP and that was our take on it.

i don't think so. aarp's medigap, or supplemental policies are thru united healthcare. within them they offer a number of policies each with different benefits and prices. you can pick the 1 that fits your own needs and price.

when i turned 65 that was open enrollment for me. the 1 plan i had (K) i was paying $176/mo and that went down to $75. only because i turned 65.

you can always call. the counselors they have to talk you thru everything i found to be very helpful/knowledgeable.

I also live in Indiana. I don't know about a Medigap program but I am on a Medicare advantage. I'm not sure I know the difference.

Over simplified but a Medigap policy is a policy you PAY for in ADDITION to traditional Medicare to pick up some of the expenses not covered by Medicare. It is a supplemental plan.

An Advantage plan is technically Part C of Medicare which is a combination of Parts A & B and replaces traditional Medicare.

Hope that helps clarify a bit for you.

Thanks Hopeless, I looked into that, but if I go with that, then I lose my part D and its really helping with my meds.

Where did you find this? Is this part of medicare or is this separate?

Kitty, I got the info from my insurance agent. But it is also in the Medicare and You booklet that comes out every year. I'm sure you can find it on line. Mine is Blue Cross Anthem and covers more physicians but has higher co-pays than my husbands. My husbands is through AARP, United health care and the monthly premiums are $0, yup, that's right. $0. But he has a pretty limited amount of doctors. Our own family doctor isn't on his plan so he continues to see him and just pay the nonprovider fee for him. It's cheaper than paying a higher premium or another company i order for him to be in network. The company doesn't like our doctor because our doctor continues to do little things like ingrown toenails, removing simple lesions, seeing his own nursing home patients and hospital patients,etc. He doesn't send you to a specialist for those little things.

When you are on a medicare advantage plan you do have other limitations. For instance, for medicare alone, they pay for yearly tings like mammogram, prostate, things like that. I have to pay a co-pay for those