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.