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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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We steer clear of advantage plans because we don’t want an insurance company making our healthcare choices for us.
If you switch from an advantage plan you will need medigap which is supplemental and plan D also which is the drug plan.
As far as what it will cost you it depends on what plans you pick. But you will likely pay more than what you are now.
Go to Medicare.gov and you can find all the plans along with details. One thing to watch out for are plans that increase in cost based on your age. USAA is the worst.
Happy hunting