husand and I both have medicare part B and supplemental. Lately on the EOB sent to us, the supplemental only pays very little which makes me wonder if we should drop the supplemental and save around $230 a month. Is this a good idea or bad one. Right now both of us are somewhat healthy-no big issues but I am 65 and my husbad 75 and dont want to do drop it and regret it later. thanks for any help on this
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Last year my bills totaled a million dollars so I was very glad not to have to find 20% of that.
So yes I would say supplemental insurance is well worth the money unless you can qualify for Medicaid
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I didn't realize that Al was still working. Good Luck!
Norene
Of course things my change someday, but right now, this is something that works for me. You should look into such a Plan.
In my opinion, they want to confuse us! Remember that lawyers write the laws!!!
It is difficult for me to understand how someone who has a college education and has worked in the medical field and I still cannot understand how they word things.
In my opinion a lot of it is "lawyer speak"!
This whole thing is a gamble as I see it, no matter what you choose. For a year, you hope that your "prediction" for the next year was a good one! If you are fairly healthy and then oops! get sick, you may be stuck with bigger bills than you might have imagined! So you really need to think about what monetary resources you have and would you be able to pay it out of pocket!!! If not then I would choose the best possible, for what you can pay for per month.
Leave it to the government to write it in English, and we still can not understand or comprehend it!!!!!!!!!!!!!!!!!!!!!
If you are confused, the only comfort is that you are not alone in this confusion!!!!!!!!!
And depending on your monthly income, you may actually qualify for MEDICAID, AND then it is a totally different "ball game".
Prior to that I had Medicare Parts A and B with United HealthCare Plan F (the most expensive). The monthly premiums for that were $189.13 per month, and I never got sick. That's when I changed to Medicare Advantage. Still not sick, and I have NO out-of pocket expenses for healthcare.