The other thing is, as I understand it, you only have a small window when you first set these things up to get a Medicare Supplement. It is not necessarily available to you again if you don't get it to start with, and if you drop a Supplement, you won't get it back. I found a nice one if you are looking to have a Supplement and don't want to pay for Plan F, take a look at Plan L, it has a ceiling of 2600 a year, and although it says it covers 75%, it covers 75% of the 20% left after Medicare pays, so if you had a $100 bill, medicare pays 80 and the supplemental insurance pays $15 and you pay $5. I see both a cardiologist (which does not take Advantage Plan members any more), and a neurologist, and an endocrinologist (diabetes). I pay my Cardiologist $11 a visit. It's worked out well for me. I don't like changing my doctors. This plan costs me $108 a month, much more cost effective than Plan F.
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