I have Medicare A & B, $240 deductible.
Best thing is my supplemental Plan G through Mutual of Omaha - $163.35/mo.
Eye surgeries & hip replacement cost me next to nothing, yearly deductible is something like $300 (don't recall exactly at this moment, but it's low).
I pay for meds because I don't take many and it's kind of a wash, coverage cost vs out-of-pocket.

SO much better than when I had Obamacare some years ago and my kidney surgery cost me $20,000.

For anyone on Medicare pay attention to your chosen plan. There are some changes being slipped in that some may not notice if they are not paying attention. The changes involve "deductibles" the insured has to pay before the insurance pays anything.
These deductibles apply to any health related visit to a doctor or prescriptions. They do vary by plan but can be costly for those on tight budgets
I hoping this will stay non political as it is meant to be an informative post

I'll add. whatever you got, enjoy it while you have it.

that didn't take long

that didn't take long

friday my wife and i are meeting with our insurance lady to go over what is out there for next year that will meet our needs.
what concerns me the most, is the possibility of "pre-existing conditions" being a cost escalator that will be unaffordable for us [and others] to obtain the health care we need.
this greatly concerns me, and i'll leave it at that.

Yes, the advantage plans can suck with all the co pays and deductibles

And some Doctors have stopped taking some of the plans , but regular medicare not a problem

So A, and B with the gap covered by G and then a D for Rx drugs , not the easiest to figure out

But at least I'm not paying the $40 on everything co pay I did under the affordable care act

I have Medicare A & B, $240 deductible.
Best thing is my supplemental Plan G through Mutual of Omaha - $163.35/mo.
Eye surgeries & hip replacement cost me next to nothing, yearly deductible is something like $300 (don't recall exactly at this moment, but it's low).
I pay for meds because I don't take many and it's kind of a wash, coverage cost vs out-of-pocket.

SO much better than when I had Obamacare some years ago and my kidney surgery cost me $20,000.

Been on Medicare plus the supplement for 10 years. Type F, never have paid a dime, no copays. My agent told me five years ago the advantage plan is no good if you're sick a lot, I’ll stick with what I have, I like walking in and out, last hospital bill was $300,000 in may, 0 for me. Now other shoulder then knee in future.

if you're both on Medicare, pre -existing conditions shouldn't come into play. The same for Obamacare.
Keep us posted on your findings

one of the main concerns, is finding a drug plan that covers the drugs we need, [formulary] while being able to afford the plan and any co-pays the drugs will cost us. several drugs we take are hugely expensive.
as we are both on medicare, that part doesn't bother us.

Been on Medicare plus the supplement for 10 years. Type F, never have paid a dime, no copays. My agent told me five years ago the advantage plan is no good if you're sick a lot, I’ll stick with what I have, I like walking in and out, last hospital bill was $300,000 in may, 0 for me. Now other shoulder then knee in future.

I’ve got some time, but it never hurts to learn early.
Is it basically the same as shopping for home or car insurance?
Call several agents, ask friends, and decide what’s right?

For some reason I was under the impression there were only 1 or 2 choices?

When you're about to turn 65, your mailbox is full of people trying to sell you stuff. One caught my eye and I called them. Straight forward, took time to explain the options and plans, not pushy, not trying to sell me the moon. Knew what he was talking about. Name of the firm is Fairsquare Medicare. I got the regular plans along with a drug plan and one that picks up charges the first two won't.

I've had some stuff pop up that needed to be addressed. After a few years with what I signed up for, I'm happy with my decisions.

no sir, there are many choices, plans, and several companies all offering multiple plans and that is where they "gitcha".
It can be very confusing especially for an elderly person due to the choices. They are ALMOST as upfront as a used car salesperson. And it is why I put the post up. At a casual glance the existing 2024 policy appears the same as the 2025 policy. But they slipped the deductibles in for health (dr. visits) and prescriptions 🙄🙄.
Those deductibles DO NOT APPLY to the overall policy deductible. End result, Insured gets porked for another x amount (~500 to 1K) and the insurance companies save 🤑🤑🤑🤑🤑 😳😲. Who would've thought they'd be so ???

Interesting, why are they doing this. Is it because of the frauds being committed in Medicare every day?

Plan F is no longer available unless you're grandfathered in. It was replaced with G

I’ll stay there if I can, I’ll call my agent Monday to ask his advice. The supplement is $194 a month now, RX has went up but I don’t take anything, might drop that.