Questions for those on Medicare (or who have experience with it)

[bkkyosemite]

52. I don't know if this has been said here

as I have to run but I have been on Medicare for years. I have had a Advantage plans where you pay co-pays to the doctors and I have had a supplemental where you pay a larger premium but you pay no co-pays and your 20% is paid for along with the 80% from Medicare.

I use AARP supplemental F plan that covers most things both in the hosptial and in the doctors office, labs xrays etc.

Of both options to take care of the 20% I prefer the supplemental type. AARP gives you a discount on your premium for the first 10 years and it gradually goes up about $10 to $12 a year. I pay currently for myself $112. per month AARP supplemental and of couse out of my Social Security Medicare takes their premium also of $104. If you need prescriptions there are those plans too. I do not need the prescriptions because I am covered through my husband's pension although we pay for that in a premium also. Insurance is a pain but you need it. It's about $250 a month altogether for me. Hope this helps I know it can be confusing in the beginning.

I think the advantage plans are a waste. The premiums jump too much and they continue to find more for you to pay on co-pays.