Definitely agree.... stay far away from any Advantage Plan. And not sure how old you are, but your supplemental premium is slightly higher when you do not sign up at 65. Some people think they will take an advantage plan at 65 because they are in very good health and want to save money. Then later they decide to switch to a supplemental and at that point they pay a higher premium due to age and any existing major health issues. Currently, can not be denied, but you pay more. I was in excellent health until a CT scan after a fall hiking they found a benign cyst in my abdomen which the hospital bill alone was over $73K, then a skin cancer that requires a plastic surgeon with repair under general anesthesia. I have Medicare, cost depends on your Adjustable Gross Income on your tax return from two years prior, plus Florida Blue Supplemental âFâ Plan (Blue Cross Blue Shield) @ $202.30 a month , and I use WellCare Drug Plan for $13.20 a month. Tier 1 and Tier 2 drugs by mail order are free. Be sure to select the right drug plan, that is the hard part, but most of them you can enter each drug you may take and they will tell you what tier it falls under and the price. Never had surgery or been hospitalized except giving birth and now two in one year! I have been to the Mayo Clinic and paid zero. I have never found a Dr that did not accept my Medicare or supplemental. The Villages Health System use to accept Medicare & supplementals, then a couple of years ago, letters went out to all their patients saying they would now only accept Advantage plans. People were outraged and many left because they refused to give up their supplemental plans. The only down part of a supplemental is you are on your own for dental and most vision issues. Hope this helps.
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