If you haven't made a decision yet you may want to look into the plan F High Deductible. The premiums are low, somewhere around 60 a month for a male and 55 or so for female. The deductible is 2180. Sounds like a lot but you almost pay that in the difference of the premiums. In most years you will save money. In bad years where you have like $10,000 or more in medical bills it will cost a little more than a plan F. Plan F pays 100% of all cost, plan F HD pays 100% of all cost after deductible is met.
For me the plan F was $173.00 The Plan F HD was $60.00. The Advantage Plans are the cheapest. You can get those for no cost if you want an HMO. As long as you don't have any serious health concerns it would be the way to go. My problem with those are if you was to have a serious issue like cancer or needing heart surgery or something you don't have the option of going to the best centers for treatment. Your doctor does not have the final say as to what treatment or tests you get either. The insurance co. decides what is medically necessary. For me paying the $60 bucks a month gives me peace of mind that if anything bad happens to me or my wife we can go anywhere in the country that accepts Medicare.
|