Do your research - https://www.medicare.gov/health-drug-plans/health-plans/your-health-plan-optionsThe wife is planning on getting Medicare next year, but from listening to the crabby old people trying to sign people up for Medicare advantage I’m guessing it’s not the same thing. What are we going to have to watch out for? Which ones are scams?
Medicare advantage is a way to replace Medicare with a private plan, called Medicare part C.The wife is planning on getting Medicare next year, but from listening to the crabby old people trying to sign people up for Medicare advantage I’m guessing it’s not the same thing. What are we going to have to watch out for? Which ones are scams?
You got that right hands down! I have mine that way, one of the best decisions I have ever made, pretty affordable too.Medicare advantage is a way to replace Medicare with a private plan, called Medicare part C.
The minute my mom became eligible for Medicare she started getting tons of mailings, most were from advantage plans, but they make them look like they are from the government, be very careful. Sometimes you can do better with an advantage plan, but you really have to do the research on it. I kept my mom on regular Medicare and got her a part D prescription plan, with her Medicare supplement plan that she gets through my dads union it was the best coverage by far.
Being able to keep medical coverage when retired is absolutely huge, and a very over looked part of federal employment.I talked with a USAA Medicare specialist last year. They said that as my wife is an active federal employee with GEHA/UHC, no Medicare extras were needed.
I wasn't govt, but started with my company when they still had pension plans and retirement medical plans. The medical isn't free, but really inexpensive.Being able to keep medical coverage when retired is absolutely huge, and a very over looked part of federal employment.
My dad was fortunate, retired with 20 year pensions from a private employer and the state, really good medical, too.I wasn't govt, but started with my company when they still had pension plans and retirement medical plans. The medical isn't free, but really inexpensive.
I'd say it turns into a supplement plan like the other federal insurance doesI'm guessing Tricare For Life takes the place of any Medicare Part C plan?
@my-thyme is the Medicare Advantage "umbrella" company or group you accepted extremely accessible in your region/area? Are a lot of his doctors in their network?Got Medicare Advantage thru my retirement work insurance for hubby. It works great for us.
If I understood correctly, I didn't need Medicare Part C because Medicare and Tricare for Life was the same as Medicare C or Medicare Advantage which was Part C. I think Part C gives you a little more coverage on prescriptions, some dental, vision and hearing.I'm guessing Tricare For Life takes the place of any Medicare Part C plan?
I currently have Tricare Select with a Federal dental/eye plan that is pretty good and inexpensive. My only complaint is that Tricare Select's coverage of diabetic meds is pretty lacking. Hopefully that gets better with Medicare and Tricare for Life.If I understood correctly, I didn't need Medicare Part C because Medicare and Tricare for Life was the same as Medicare C or Medicare Advantage which was Part C. I think Part C gives you a little more coverage on prescriptions, some dental, vision and hearing.
BUT
So far all my prescriptions have been completely covered including the hundreds of pills my son takes for his epilepsy. It's covered all my eye exams with an occasional co-pay of $25.00. I'm on the separate Tricare dental plan which is fairly inexpensive and has fabulous coverage. The only thing missing is the hearing stuff - I think you can go through VA for that.
I think you're really going to like it Doing the 20 definitely pays off.I currently have Tricare Select with a Federal dental/eye plan that is pretty good and inexpensive. My only complaint is that Tricare Select's coverage of diabetic meds is pretty lacking. Hopefully that gets better with Medicare and Tricare for Life.
I currently have Tricare Select with a Federal dental/eye plan that is pretty good and inexpensive. My only complaint is that Tricare Select's coverage of diabetic meds is pretty lacking. Hopefully that gets better with Medicare and Tricare for Life.
Now that is good to know, that is great advice. ThanksJust wanted to add this, a Medicare part D plan that actually has a $0 premium you can use to avoid the penalty of later not having one.
2024 Wellcare Value Script
Wellcare’s lowest premium plan is the Value Script. This plan, which has always had a low premium, now has a $0 premium for 2024 (previously $8.10 in 2023). It has a $545 drug deductible.
If you don't take any drugs and are trying to avoid the penalty for not choosing a drug plan, this $0 premium plan may be a great option.
Being thrust into the role of caregiver, I've learned way more about being old than I ever wanted to.Now that is good to know, that is great advice. Thanks