Sorry if this post is a little more disjointed than usual, but an insurance person called me before either of my alarms went off, so I’m both underslept, and uncaffeinated. My spell checker needs a larger vocabulary/dictionary, because it is showing both underslept and uncaffeinated as spelled wrong, but Google says I spelled them both right.
Anywho, I was called before my first alarm went off at 1000, about getting me the best deal for Medicare, and for me it’s Medigap to cover my deductibles and copays because apparently getting killed doesn’t count as a pre-existing condition, if I’m talking to them on the phone. So, I got set up on a policy that uses Medicare for most of my medical costs but covers the rest so my out-of-pocket should be pretty much nothing. The downside is I have a $120~ monthly premium, so another expense I have to cover on top of everything else.
And now it’s after 1500 and I’m fading because of that lack of sleep, so I’ll put this post to bed and get some food so I have the calories I need to function.
Before you do anything, check with someone you know and
trust who does this type of work. There are many medigap
plans. I have a plan G which I like. However, they all go up
every year because of your age. Also, the same plan with
the same company will have different prices for different
zip codes. Don’t forget you will need a part D.
With parts B and D plus a medigap plan you could pay
between $300 and $360 per month. (Your $165 part B
is taken out of your social security check before you even
Note: A part C may sound like a good deal but you don’t
have the freedom as with a medigap plan. They are
able to tell you what doctors and when you may
or may not be able to see. They are cases where
some people had to wait years before the company
would allow them to see a specialist.
If you don’t like your part C you may not be able
to go back to a medigap plan .
A mistake now will cost you every month for the rest
of your life.
PS- There is a small time window around your 65th
birthday that the insurance have to take you. There
are NO pre-existing conditions during this time.