Keep it simple: Medicare Parts A and B. You can go to any Doctor or Hospital. Part A premium is $0. Part B standard premium is $148.50 per month. It will be more if your AGI exceeds certain thresholds. You need a Medicare Part D for your prescription medicine. If you do not take "serious" medicine-- take the Humana Part D Plan for $17.20 per month. There are several preferred pharmacies including Walmart, Sam's Club, etc. They also offer 90 days supplies by Mail Order-- very convenient, and less costly. To back-up Medicare Parts A and B, take a Medical Supplement Plan (also known as Medigap Plan). I recommend TransAmerica Life Insurance company. They have the lowest premium in Florida. You can see this on the State of Florida Medigap Insurance Company Website. It costs even less if you auto-pay quarterly by Credit Card. If you belong to an Affinity organization-- for the first year only-- the ongoing premium will be a few dollars a month less. When you call them-- they will review all of this with you. Take plan G, it is the most comprehensive, and will cover any Deductibles, Co-Pays and much more. The cost at age 65-- probably about $160 per month. Remember-- all Medigap Plan Letters are standardized by Federal Law-- only the monthly premium varies by Insurance company. If the above is too costly-- start cutting from the above. Of course, all of this is just my humble opinion. SHINE is a good source of information too.
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