Quote:
Originally Posted by HappyTraveler
You forgot to mention what your monthly premiums are for the TM plan and the Medigap plan? Costs vs benefits are one of the most relevant equations.
|
I’m paying $185 for part B, $189 for the absolute best Blue Cross Blue Shield Medigap plan available (which includes a year 1,2,3 discount of 15, 10, and 5% respectively, and also includes an annual vision and hearing exam and $150/year for corrective eyeglasses or contacts), and $12 for a WellCare part D prescription plan that covers both of my scripts for no cost via mail order. That’s a grand total of $386 for outstanding insurance with about a $250 annual deductible/max out of pocket plan. How sweet is that after having to pay over a grand per month through Obamacare for a high deductible and max out of pocket plan with a limited network and having to get a referral for everything. Although I hate getting older, becoming eligible for Medicare has helped mute the pain : ) I am well aware I could have saved a couple hundred bucks per month with a MA plan, but the piece of mind of a national network with no referrals, and more importantly, knowing if I ever need major medical care I’m totally covered after a $250 annual deductible, is priceless. Also, knowing both a hip and another knee replacement are in my future, that $200 per month MA savings would more than disappear very quickly.