MEDICAL INSURANCE

A supplement usually picks up where Medicare leaves off. There are many choices out there. Is the insurance from your former employer a Medicare supplement? It should be since you are on medicare. You will need to find that out first. Is should pick up the Medicare deductible plus the 20% balance on Medicare part B (doctors). It should also as a supplement fill in where Medicare leaves off on the part A (hospital).

If it is not - then you could look at AARP, Humana, BCBS usually has pretty good supplemental coverage. There are many others with different rates and benefits...

You need part D as well...(Drug)

A small point here, Woollcott, and I don't really know how to express it, so bare with me.

I just received a flyer from AARP offering information on insurance. At the bottom, it contains a couple of caveats.



Also:


The bold is a part of the disclaimer. I don't pretend to know the meaning of the second quote. It could mean that AARP accepts advertising, and receives a fee for doing so. This is not a spectacular endorsement. In fact, I don't see an endorsement at all, neither of the companies representated, nor any individual policy. Personally, I believe AARP could provide a little more guidance.

I'll also mention that one of our members, Phoenix, submitted a request for information from some source (not necessairly AARP) and received so many phone calls as to amount to harassment. And having requested information, her subscription to the national do not call list gave her no protection.

That's good information Roger. I think in light of that, it would be best for you to go through your former employer and find out what kind of insurance that is first. It may very well be that you already have a supplement through them and do not need additional coverage.

Most of the time, when you have insurance through where you retired, when you go on Medicare the coverage will be changed to a supplement. It is cheaper for the employer to provide than regular benefits so they are usually pretty good about seeing that it is changed. Hopefully you will find that you are set and won't have to go through any other carrier for the supplemental benefits.

Sounds good, mismi, but doesn't apply to me. I'm not planning to be 65 for another half year, and based on costs, I had to pass on the COBRA option.

I am sorry Roger...COBRA sucks...so expensive.