Quote:
Originally Posted by LoriAnn
As you stated, you've done your research. Live with it a little while. Some lessons you have to learn on your own. Your rolling the dice anytime you opt out of traditional Medicare. If you don't have a serious illness such as a heart attack or a stroke and require long hospitalization, rehab, homehealth, DME you may come out with a savings. Another example of a policy that works great until you get sick.
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I'm not sure what you mean you are taking a risk by opting out of traditional medicare. Do you mean that you may not have choice of Dr or health facility when opting out? Do you mean not to get any supplemental plan at all? Every plan tries to reduce your financial burden albeit you just cannot go anywhere you want. You get sick without a medigap or advantage plan you are in deep trouble. That's what I call rolling the dice.
I personally have 25% of our retirement budget dedicated to health. If we don't spend it all the extra funds will go in a special account to build when the rainy day comes.