When I signed up for Medicare my broker advised me to marry my supplement and date my drug plan. My $200 a month supplement pays for everything that Medicare doesn't. Ex. If a visit costs $100 and Medicare pays $10, my supplement pays the remaining $90 however if Medicare pays nothing neither does my supplement. As a plus, I can go to any hospital, doctor or specialist anywhere in the US without a referral!! I have Welcare for my drug plan. The monthly premium is $0 and generic drugs are $0 for a 90 day supply. I can change my drug plan once a year with no penalty.
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Originally Posted by Rainger99
I am currently on Medicare with a UHC Advantage policy. For the most part, I am satisfied with Advantage but I am interested in possibly switching to a regular Medicare and I am trying to figure out how much that would cost.
Right now, I pay my Medicare premium and there is no deductible. The maximum out of pocket payment is $2700 a year. This is for co-pays. Primary doctor is $0 a visit and specialist is $30 a visit. Dental and Vision are included at no extra cost. I am in network but the network is not limited to Sumter County. It is a nationwide network. I can go to hospitals in New York or Los Angeles or Chicago or Orlando or Tampa. They even have a hospital in Alaska!
Fortunately, I have been healthy and my out of pocket expense has been less than $250 a year.
For those of you with regular Medicare, can you give me a ballpark estimate of how much a Medicare supplement policy costs and how much dental and vision cost? Do you also have a separate drug policy?
And has anyone switched from regular to advantage or from advantage to regular? If so, why did you switch and are you happy with the change? Thanks.
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