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|Subject: Re: Mini Bummer||Date: 11/25/2012 3:29 PM|
|Author: pauleckler||Number: 18075 of 19638|
I think the plans vary a bit from state to state. Medicare gives you a booklet every year that summarizes the standardized Medicare supplemental plans. You then get quotes for the plans from insurance companies.
Plan F is the most complete plan. It covers everything with no additional payments. It has the highest premiums. There are also less costly plans that give you a copay or deductible.
AARP has group meetings in signup season where their salesman explains their plans and answers questions. You can also have a salesman come to your home.
Humana offer free gym membership with their plans in this area.
Medicare advantage is the low cost plan. Premiums are zero after your basic medicare cost. But they have co-pays on most services, and you can only go to some hospitals. The best hospitals in my area are not included. So this plan is inexpensive for minor situations, but if a major medical event comes up, you could be in for thousands in copays.
Part D drug coverage is available, but a bit complicated because each plan has its own tiered drug list. Humana/Walmart has low costs. AARP advertizes, but many common generics are tier 2 making them more expensive. There are quite a few to choose from, but much depends on what meds you want covered.
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