Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
Plan F medicare subsidy about $160/mo (it goes up about ten bucks every year)
Plan D for prescription coverage about $25/mo. (I usually end up changing it every year to something that is either cheaper or covering his drugs better)
Whatever is paid for Part B comes out of his SS check, so I haven't a clue.
He was hitting the donut hole for drugs, so we get one expensive prescription from canada. Saves us HUNDREDS per year. (and yes, his internist from Duke was willing to write the scrip knowing we were getting it from Canada.)
He's had 3 major surgeries and two minor surgeries in 5 years. We have paid nearly nothing out of pocket for him except Rx co-pays.
I'd pay double that if I could have his coverage! I'm only sixty, and paying BCBS $840/mo for a $5,000 deductible. It goes up 20-28% each year.
ETA: We did not consider a Medicare Advantage plan for him because of the restricted doctor and hospital networks. I want to choose the physician and surgeon, not be told I can only go to the ones on "this list."
I am thinking that $1,000 a month should be about right, with a bit of a cushion, at least until about age 75. (Please let me know if this is off-base.)
One person reps me. Then you-don't judge. No bragging despite what you read into my post. Just stating how it works for a pensioner, me. The OP asked what I paid I said so. Sorry if it offends you.
Of all the forums on CD I think Retirement has the highest number of grumpy posters. In fact I think there have been some threads around here about how grumpy old geezers get.
Plan F medicare subsidy about $160/mo (it goes up about ten bucks every year)
Plan D for prescription coverage about $25/mo. (I usually end up changing it every year to something that is either cheaper or covering his drugs better)
Whatever is paid for Part B comes out of his SS check, so I haven't a clue.
He was hitting the donut hole for drugs, so we get one expensive prescription from canada. Saves us HUNDREDS per year. (and yes, his internist from Duke was willing to write the scrip knowing we were getting it from Canada.)
He's had 3 major surgeries and two minor surgeries in 5 years. We have paid nearly nothing out of pocket for him except Rx co-pays.
I'd pay double that if I could have his coverage! I'm only sixty, and paying BCBS $840/mo for a $5,000 deductible. It goes up 20-28% each year.
ETA: We did not consider a Medicare Advantage plan for him because of the restricted doctor and hospital networks. I want to choose the physician and surgeon, not be told I can only go to the ones on "this list."
plan prices vary by state . here in ny an f-plan is 288 a month . we use a high deductible f-plan with 2k deductible , it runs about 110 a month
plan prices vary by state . here in ny an f-plan is 288 a month . we use a high deductible f-plan with 2k deductible , it runs about 110 a month
Premiums for the full F/G in certain areas of NY are so high - like $4,000/yr or more - it is just stupid to buy those plans when you could have the same coverage with an hd-F costing, worst case, $3,520 ($1,300 premium + $2,200 deductible) - and that is assuming you would actually be incurring Medicare 20% copays totalling $2,200 each year. You've gotta have at least $11,000 in Medicare-allowed charges to incur $2,200 in coppays which most people might experience once every five years, but not every year. I've been on Medicare for almost eight years and have never paid more than $200-$300 between copay and Part B deductible in a year (and that's a bad year), much less $2,200.
For healthy people, an hd-F is almost always the smarter, more cost-effective choice. In some parts of the US, hd-F's can be bought for about $40/mo. for a 67 y/o old male. More typically, they cost about $60-$70. For a healthy person who doesn't want to buy unnecessary insurance, the hd-F is a great option.
Last edited by Ariadne22; 04-12-2017 at 06:27 PM..
I understand that the F supplement is going away. An agent told me it was because people were running to the doc for anything and everything since the supp F paid all co pays etc.
Don't know if that is true.
What will you be doing when the F goes away?
I am still out by three years so I KNOW that supp F will not be there when I get to Medicare.
Premiums for the full F/G in certain areas of NY are so high - like $4,000/yr or more - it is just stupid to buy those plans when you could have the same coverage with an hd-F costing, worst case, $3,520 ($1,300 premium + $2,200 deductible) - and that is assuming you would actually be incurring Medicare 20% copays totalling $2,200 each year. You've gotta have at least $11,000 in Medicare-allowed charges to incur $2,200 in coppays which most people might experience once every five years, but not every year. I've been on Medicare for almost eight years and have never paid more than $200-$300 between copay and Part B deductible in a year (and that's a bad year), much less $2,200.
For healthy people, an hd-F is almost always the smarter, more cost-effective choice. In some parts of the US, hd-F's can be bought for about $40/mo. for a 67 y/o old male. More typically, they cost about $60-$70. For a healthy person who doesn't want to buy unnecessary insurance, the hd-F is a great option.
we have only 1 company in nyc in queens that sells a high deductible f-plan . not only do we come out way a head because our supplement co-pays are so little but their silver sneaker program covers the 480 a year gym membership for my wife so while we pay 110 a month for the supplement 40 a month is covering the gym .
i will go on it in october .
ny is expensive because we are not age based as well as can change plans with no medical pre-qualifiers down the road
I am literally completing my Medicare applications today so this is a hot off the press, current pricing for a 65yo single:
Pts A/B - $1876 yr ($156.33/mo, the 1st & the 2nd quarters are priced differently though, don't know why)
Pt D - the cheapest in this neck of the woods is 22.50/mo, most seem to be $40-48/mo
Of course these are just the premiums, copays, deductibles, coinsurance, etc vary too on D I believe.
And dentistry here in Gotham? I just had a root canal done on an existing crown + he found leakage in the crown that had to be fixed. March dental bill: $3200, no insurance. Never felt a bit of pain until the bills came...
In reading this I'm thinking $1,000/month for a couple plus possible drug costs falling in the donut hole is worst case but the figure we should plan on.
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.
Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
