There are plenty of insurance brokers who have been blowing up my phone since the beginning of the year, but quite frankly, I trust the advice of the people on this board above some stranger out for profit.
I will be eligible for Medicare in December but understand I can apply in September. The health issues I have are issues I have to live with: fibromyalgia, high blood pressure, arthritis and stress from caring for bedridden hubby I see my PCP once a year, have a few cursory blood tests and that’s it. I haven’t been in the hospital for 6 years and that was elective surgery. Been 9-1-1-ed once, 10 years ago. I take a total of 2 meds that cost me $6.00, granted that’s with drug coverage.
For years and years I’ve dutifully written out checks for ridiculous amounts of money for health insurance I never use. We are in a terrific money crunch now. I added up hubby’s supplemental and drug costs and it’s over $200 a month. Plus we still pay a good buck for what Part D doesn’t cover.
Medicare Advantage holds a real appeal for me right now. People have said it’s great until you want to use it and then you pay through the nose with co-pays. But, I don’t use it! If I go for my yearly physical, what I’d have to pay would still be less than what the monthly fees for Medicare +Supplemental would be. To me, it’s like flushing money down the toilet. Money we need to use for other things...like food. I had a regular plan with CareSource a few years ago and wound up paying 1/2 the costs of my physical, x-rays, and blood tests anyway. Can’t be worse than that!
Help, help! Counting on you guys! Thanks!