Yep. With Medicare and a Supplemental Plan (say Plan G, Plan N would be a bit less), you will pay about $8000 per year for the two of you but typically nothing more (after the Part B deductible and there can be copays with Plan N). With an Advantage Plan, you will pay about $4000 per year for the two of you but it could be more depending on what services you need and the Advantage Plan. For me, being on Medicare saved me money. For you, it may cost you additional money. Funny how that works.
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Originally Posted by OrangeBlossomBaby
For us, once we're on Medicare, our premiums will be higher than they are now because of our subsidies on the ACA marketplace. On the other hand, if we didn't have subsidies, we'd have to pay around $1800/month for insurance. That'd eat up one of our social security checks every month, and dip into another one by a few bucks. We'd have to do without insurance at all and just hope that we never need health care.
We paid in all our lives for Medicare, did everything we were supposed to do, but circumstances forced us into a much more modest retirement income than we were expecting.
To whoever was asking about co-pays - it's insurance-dependent. You pay whatever your insurance company says you pay. Mine says $85 per treatment, per specialist visit, per lab test. So treating my skin cancer will set us back around $2800, over a 6-week period Including the test/biopsy, consultation for treatment, weekly 10-second visit with the doctor who walks in, doesn't even come within 5 feet of me, says "looks good, see you next week" and walks out again. INFURIATING that they even have the right to bill anyone for that.
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