Medicare Cost (personal not political) - Page 2
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Thread: Medicare Cost (personal not political)

  1. #11
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    I might add , even tho I don’t care for AARP I’ll be checking out their supplement when i retire . Several doctors and eye clinics I’ve talked to said AARP were good and quick at paying charges turned in so that sounds good but will see .

  2. #12
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    jonrjen,
    Texas has a "Health Information Counseling and Advocacy" [HICAP] program that will assist you in making a decision.
    It is at no cost to you. The phone number is--800/252-9240.
    Give them a call and see what they can help with.
    Each state has a similar program Here in Iowa it is SHIIP.
    jonrjen likes this.

  3. #13
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    I am not an expert on medicare Supplemental plans. All I know for sure is what works for me.

    My supplement plan reimburses me for $80 of the 130 some dollars Medicare takes out of my SS check each month. It allows me my choice of doctors or locations. It also gives me a free set of dentures and a free pair of eyeglasses every year. At the same time it pays me $40 toward purchase of over the counter medication and supplies that I may need. I also pay nothing for the supplement. I don't know how they do it Or how they manage to stay in business by giving everything away and charging me nothing but I have learned in my life that there are Times when you don't look the gift horse in the mouth.

    I live in Florida and learned of this plan through friends of mine that were already using it. Like I said I am not a medical insurance professional I just know what works for me.

    Don
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    I see gun control as driving an ambulance to the bottom of a cliff when we should be building a fence at the top!

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  5. #14
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    BangBang , what insurance plan do you have ? You told how it helps you but didn't give any info .

  6. #15
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    That's some good information from RonPT24/7; however, the monthly premium payments vary according to your income.
    A lot of people think that Medicare is free. It is NOT! You pay a monthly premium that adjusts to your income.
    As a retired airline pilot, my premium is $440/mo, and then ANOTHER $440/mo for my wife.
    I turned 65 and retired last year, and I still have to pay that even though I no longer receive a paycheck.
    Once I establish my new income level by turning in my 2019 tax return, I may be able to get that lowered; but for now it's $880/mo.
    Fortunately, I am also retired Navy, so TriCare picks up what Medicare doesn't cover. But when I talked to the Navy recruiter 45 years ago, he told me that if I retired from the Navy I would get free medical coverage for the rest of my life.....WRONG! TriCare covers you until you turn 65, then you have to sign up for Medicare and pay their premiums. TriCare then becomes your secondary coverage.
    As you approach 65 you will start getting calls and letters inviting you to different seminars to explain Medicare. Some of those seminars may even include a free dinner. These seminars are usually put on by insurance companies that want you to sign up for their coverage plans. I went to a few of these seminars, and the moderators were always disappointed when they found out that I was retired military and covered by TriCare. Still, they answered a lot of questions I had (and the free dinners were great).
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  7. #16
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    Quote Originally Posted by RonPT24/7 View Post
    BangBang , what insurance plan do you have ? You told how it helps you but didn't give any info .

    I'm sorry, don't know where my mind is today. My plan is Care Plus health plans And the individual plan is Care Free (HMO). Perscription are provided through Medicare RX.

    Office visit is 0 co-pay, specialist is $20 co-pay, and hospital emergency is $120 co-pay.

    I'll try the answer any other questions about the plan and I will share phone numbers with the agent and state representatives if anyone needs them

    Don
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    I see gun control as driving an ambulance to the bottom of a cliff when we should be building a fence at the top!

  8. #17
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    I elected a fairly inexpensive Supplement, one theat is $ 46 a month at this point, and I am 71. I have no regular or maintenence medications, so I went for a cheap drug plan that is $26 a month. The important thing is being on a supplement plan and a pharmaceudical plan of some sort. That allows you to be able to upgrade in the open enrollement period each year should you find yourself in a declining health situation. I think all totaled, my medicare is costing a $196 a month which is less than I paid ($300) on my wifes group policy through the hospital she works at, with less out of pocket for me and a better choice of doctors. No telling what I would be paying on her group plan after 6 years, and I would have been seeing a lot of interns on her policy.
    jonrjen and RonPT24/7 like this.
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  9. #18
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    Quote Originally Posted by BangBang View Post
    I'm sorry, don't know where my mind is today. My plan is Care Plus health plans And the individual plan is Care Free (HMO). Perscription are provided through Medicare RX.

    Office visit is 0 co-pay, specialist is $20 co-pay, and hospital emergency is $120 co-pay.

    I'll try the answer any other questions about the plan and I will share phone numbers with the agent and state representatives if anyone needs them

    Don

    I also forgot to say that my medicare supplement plan cost me absolutely nothing. I don't pay any monthly charge, no yearly charge, not 10 cents to anybody

    Don
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    I see gun control as driving an ambulance to the bottom of a cliff when we should be building a fence at the top!

  10. #19
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    Quote Originally Posted by BangBang View Post
    I also forgot to say that my medicare supplement plan cost me absolutely nothing. I don't pay any monthly charge, no yearly charge, not 10 cents to anybody

    Don
    The premium for your supplement plan is taken off of your social security check.
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  11. #20
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    I got the Medicare Complete AARP through United Healthcare. Total it's one third what private insurance was for me ($134 for part B then $20 a month to United Healthcare w max $3500 out of pocket). If you have a lot of health problems a supplemental may be better
    jonrjen likes this.
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