Quote:
Originally Posted by kathyspear
I am currently insured through my husband's employer. Because it is a small company (30 - 40 employees?) my coverage is pricey. Also, like most people with private insurance, my deductible has quadrupled in the last few years. I have been reluctant to switch to Medicare but am currently investigating my options.
It looks as if I can save $200-300 per month on my premiums if I sign up for regular Medicare, a Plan G supplement, and a drug plan. In addition, if I am understanding what I read about Medi-gap plans, I will save several thousand dollars in annual out-of-pocket costs if I dump hubby's coverage.
Assuming that is correct (and please correct me if it is not!), my primary concern is: Will I have trouble finding doctors who accept my new coverage? Right now I can go to any doctor I want. If he/she is out of network I pay a larger percentage but I can still see that doctor.
I gather I will need to find another primary care dr if I make the switch because I have been seeing someone with TVHS. I have no attachment to that person, though, and have no problem with going elsewhere. BUT I'm terrified that something BAD will happen, everyone will say, "Oh, you MUST see Dr. So-and-So, he is the expert on that problem!" But Dr. So-and-So won't take Medicare patients.
Advice? Comments?
Thanks in advance.
kathy
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If you go with AARP United Health Plan F you will see it is about the same price as Plan G. The difference is the part B deductible in Plane G you have to pay it and in Plan F you don’t.
If you are pretty healthy you may want to consider Plan N. Plan N it usually $50.00 less a month then the G and F. With N you have to pay the Part B deductible which is less than $200 a year and you have up to $20 co-pay to doctors. When it comes to Part A all three plans have the same coverage which is your hospital and short term nursing home.
With the N Plan you would have to go to the dr about 20 times a year before you reach the same out of pocket cost of G and F.
If you have other questions you can email.....FYI I do not sell any of the Medicare plans I have just worked in this market for 20 yrs. Happy to help