My Mom has Medicaid (disability benefits) and now she has Medicaid and Medicare as she turned 65 yrs. She was automatically enrolled in prescription drug coverage (Part D) as well as Extra Help.
As we learned that there are two options - keep original Medicare (+keep
Part D for prescription drug) OR enroll into Medicare Advantage (Part C) which are offered by private companies.
How do i make that decision?
Also, if I should go with Medicare Advantage (Part C) which insurance should I select - which plan/company?
My mom is not physically disable (so no need for in home care). She has diabetes and needs regular visits to medical, dental, eye and foot doctors.
Thank you
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Please Understand there are Combined MED ADV plans that have RX coverage, some that do not, and there are Stand alone RX plans., and she might already be on one.(stand alone Rx Plan)
I thought if i go eith medical advantage plan, it would be one place shopping for her. .. . .meaning, her prescription, dental, etc. Will all be covered by one insurance.
Still struggling to figure out why would i not want to get her into medical advantage plan.
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SO: DO NOT look at an Advantage plan with combined Part D coverage in that case!
Since she just turned 65 she has guaranteed issue with a supplement, a chance she may never get again.!
(She does not have to worry about an Rx Plan since she is covered., as you stated).
Is Medicaid just helping with the 'Health coverage'? I take it that is the case.
A PLAN HDF (High Deductible Plan F pays after the Regular Medicare Deductibles plus another approx $1,200, once that is reached it covers just about everything.
The difference in a Plan F and a HDF is about $150-$250 a month, which the premium savings can be used to pat deductibles for the minor events.
Medicare Advantage plans can have an OOP (out of Pocket) as high as about $6.500, and plans and providers can drop out every year.
The max OOP with the HDF would be $2,160.
In addition the choices of Medicare supplements differ in every state, sometimes in every county so it would not be possible to answer on this forum. Sounds like she's out and about so she should make an appointment to talk to a volunteer at the nearest senior center.