General Discussion
In reply to the discussion: my doctor and health care. [View all]DesertFlower
(11,649 posts)expensive. my friend and her husband each pay $260 a month for their supplemental plan. then of course, there's the medicare which runs $104 a month each. she was thrilled when her husband turned 65 (she's a few years older) because she was paying so much for her employer based health care. turns out with medicare and supplements it's costing her about $20 a month more and several of her docs won't take medicare. she's disgusted.
i had one through IBM for $28 a month which also covered 65% of the cost of my drugs. the policy had a $4,000 deductible but also had a $4,000 max out of pocket.
IBM is dropping that plan so i got one with IBM's help. they're using "extend health". the new one is $64.50 a month with a $4800 out of pocket max. after the medicare deductible it will pick up 1/2 of the costs medicare doesn't cover. i took a humana part D for my drugs -- $12.40 a month. some drugs are subject to a deductible. the good thing is IBM is giving me $1,187 HRA. it will actually pay my premiums with a few bucks left over. i was told i could use the extra money for dental care.
the max out of pocket is very important. if a policy doesn't have one that's how you can go bankrupt. ACA requires their policies to have one.
thank you IBM. my husband was with them almost 43 years when he passed. they took good care of him and now they're taking care of me.