Glen, first, thank you for your commitment and service to the US. In which branch of the Armed Forces did you serve?
I'm assuming the supplemental policy is a life insurance policy as opposed to a health care policy? If so, then you have A&B, but apparently not a Medigap or supplemental policy. Right? Do you have Tricare coverage? I assume you're also eligible for health care through the VA?
It's hard to make a recommendation on which plan might be best as we don't know (and I'm not asking) what particular conditions you might have. I think the best thing to do is to review your Medicare EOBs or your own personal notes for the last several years and categorize your medical expenses, i.e., and for example, did you have cardiac treatment? Pulmonary? Orthopedic?
Were you hospitalized? Had any surgeries? PT, OT either in a rehab facility or in home care? Recovery in a rehab facility? Any chronic or acute conditions?
What were your out-of-pocket costs, and how much were they?
Use a spread sheet format if that works for you, and categorize your out-of-pocket expenses, then frankly evaluate which ones were single event or long term, which are likely to be subject to out-of-pocket costs in the future, etc.
After you've done this kind of assessment, or as a guideline, check the Medicare Medigap polices (which Plan L is) here:
I'm assuming the supplemental policy is a life insurance policy as opposed to a health care policy? If so, then you have A&B, but apparently not a Medigap or supplemental policy. Right? Do you have Tricare coverage? I assume you're also eligible for health care through the VA?
It's hard to make a recommendation on which plan might be best as we don't know (and I'm not asking) what particular conditions you might have. I think the best thing to do is to review your Medicare EOBs or your own personal notes for the last several years and categorize your medical expenses, i.e., and for example, did you have cardiac treatment? Pulmonary? Orthopedic?
Were you hospitalized? Had any surgeries? PT, OT either in a rehab facility or in home care? Recovery in a rehab facility? Any chronic or acute conditions?
What were your out-of-pocket costs, and how much were they?
Use a spread sheet format if that works for you, and categorize your out-of-pocket expenses, then frankly evaluate which ones were single event or long term, which are likely to be subject to out-of-pocket costs in the future, etc.
After you've done this kind of assessment, or as a guideline, check the Medicare Medigap polices (which Plan L is) here:
https://www.medicare.gov/supplements-other-insurance/how-to-compare-medigap-policies
and determine if the premium cost would be justified.
If you have other concerns, please feel free to ask.