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as someone who has Medicare I wish there was an alternative. its a crappy ins for some of us.
Medicare with its various 'parts' includes a bunch of other expenses. With our existing health insurance, our co-pays have been low. We just can not justify paying so much more.
Which sent me to a urologist, who examined it, and then did a series of tests, an MRI bone scan and a biopsy,
there were a series of appointments with my urologist to discuss options, and eventually, I went through surgery and my prostate was removed.
From the first bloodwork to the final surgery my co-pay was $37.
I did not think that my co-pay was at all out of line.
no , not against medicare out of pockets or deductibles.
. drugs have their own deductibles and out of pocket.
medigap supplements do not cover drug payments.
drugs are on their own .
once you fall in the gap you pay 25% of the cost of the drug up to 8k …. then the plan picks up again .
until next year when it starts over
Okay, thank you Mathjak. I keep struggling to decide to carry my work healthcare into retirement and also add Medicare. I think it's the only option though considering I already know I have a blood cancer. The drug part of cancer might be astronomical.
What I'm struggling with is the Supplemental Insurance I took out when I went on Medicare. It was Plan G and only cost me $94 the first year. Each year it gets raised so that now it's $156 a month. I went to an agent I trust for advice and thought I could hopefully switch to a cheaper Plan G. It doesn't work that way. I'd have to go through underwriting and could be rejected by a new company, or have the rates raised more than what they are currently charging. My agent's advice was stay where I am. He told me he has seen too many people trying to get on cheaper plans just fall through the cracks. I don't get how there can be so many different rates when Plan G coverage is all the same. Anyone in this same situation needs to know if you do get with a different company they can deny paying for any procedure you may need for a certain amount of time after you first get on the plan. I didn't fully understand these Supplemental policies when I turned 65.
What I'm struggling with is the Supplemental Insurance I took out when I went on Medicare. It was Plan G and only cost me $94 the first year. Each year it gets raised so that now it's $156 a month. I went to an agent I trust for advice and thought I could hopefully switch to a cheaper Plan G. It doesn't work that way. I'd have to go through underwriting and could be rejected by a new company, or have the rates raised more than what they are currently charging. My agent's advice was stay where I am. He told me he has seen too many people trying to get on cheaper plans just fall through the cracks. I don't get how there can be so many different rates when Plan G coverage is all the same. Anyone in this same situation needs to know if you do get with a different company they can deny paying for any procedure you may need for a certain amount of time after you first get on the plan. I didn't fully understand these Supplemental policies when I turned 65.
each state is different. some have an age increase as well as normal price increases .
these start cheaper and go up .
our state is community based so we are more expensive day one but it does not go up by age .
we have no medical underwriting either so that makes us more expensive too
a plan g here starts at 2x what you are now paying . i pay 100 for a high deductible supplement that wont pay a thing until we hit 280
so that’s still cheap for a non high deductible g plan in other areas
Which sent me to a urologist, who examined it, and then did a series of tests, an MRI bone scan and a biopsy,
there were a series of appointments with my urologist to discuss options, and eventually, I went through surgery and my prostate was removed.
From the first bloodwork to the final surgery my co-pay was $37.
I did not think that my co-pay was at all out of line.
There were no out-of-pocket expenses.
Wow. That's outstanding.
When I had cancer (2019) I paid the out of pocket max with BCBS which was $5K. (I had not retired yet so no Medicare at the time). BCBS paid out about $225K for my cancer treatment.
I will be 5 yrs clear this year. Knock on wood.
I pay $2K a year for Medicare Part B, $800 of which is reimbursed to me through BCBS. I still want to explore dropping Part B.
I dropped the 'advantage' plan I foolishly signed up for. That wasn't an 'advantage' for me.
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