Medicare shopping

Today I decided to get serious about finding a Medicare plan as I’ll need to sign up for it in January. I already have my card for Parts A & B, but if I’m going to continue on chemo, even just maintenance, the deductibles are going to mount up pretty quick. It’s hard to know exactly what I will need, but the business office at my oncologist’s office said I need Plan F, as that will cover most everything. I will also need Part D for prescriptions, even though I’m not taking much right now.

Oh how tangled that mess is! I found out that Plan F is the same no matter which company I choose, but the premiums vary wildly. So how can that be if the coverage is the same? I just don’t get it. But the good news is, I narrowed it down to two companies for Plan F and one for Plan D. But I do need to check with the ladies in the business office to make sure that the Plan F is one they are comfortable with – one that pays its bills on time, etc. But Plan F sounds like a pretty good deal – no deductibles and no out-of-pocket expenses. There is a high deductible option that costs less each month, but that one ends up costing more in the long run.

After spending all day on the Medicare site and various insurance company sites, I’m pooped. I don’t understand why some companies don’t have their rates on their web site and others do. If i have to call to talk to a sales person for Company A, and I can get all the information from the web site for Company B, guess which one I’m going to prefer? No rates on the web site = no consideration at this stage.

I’m glad I don’t have to sign up just yet – I’m still in the gathering information stage.

Advertisements

8 thoughts on “Medicare shopping

  1. saundragoodman says:

    My head is spinning just hearing about Plan F. Where did that come from? I’ve never heard it mentioned. Oooooooh!

  2. One of my former customers is a health insurance broker. She put together some choices for me when I began looking for a Medicare supplement plan. There were several options, and the premiums did vary. I believe the span was about $75 from lowest to highest, but that was over three years ago.

    The one thing she made clear is that Plan F was the only way to go. It covers so much more than a couple of the other options. I just looked at my Medicare Supplement card and, indeed, it says “Plan F”.

    I began with Mutual of Omaha, but after a year their rates really jumped and Mary Joyce suggested that I change to Blue Cross/Blue Shield, which I did. I started out paying $149. Now, it’s $172, but that’s because a birthday bumped me up into another age bracket. (I’m 67)

    My mother had BC/BS for years and it was marvelous. She lived to 93 and I can’t even begin to recount all the fun we had with hospitals. But, as far as I can remember, we didn’t pay any more than about $300 out of pocket over the fifteen years she lived here. She went through ICUs, acute care, rehabs – every kind of thing – and we never had any problems. For a time she did have two supplemental policies, since Dad’s company continued to provide insurance for a while, but that ended when Whirlpool bought Maytag and told the Maytag retirees and spouses to take a hike. 😉

    Rest assured – Plan F is real and it works!

  3. What a tangled mess indeed! I wish there was some way (other than poring through web sites all day) to get directly to the information you need. Would your team at the cancer clinic be able to point you in the best direction as per their experience with other patients?

  4. It’s on the Medicare.gov site. There’s also a Plan G and Plan L and Plan M and Plan N, I think. Everyone I’ve talked to says Plan F is the best one because it covers everything Medicare doesn’t and there’s no deductible unless you choose the high deductible plan.

Ruth passed away from cancer. Please remove from list

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s