where I need to figure out how to "Medicare". I’ll need to work it out by October to be ready for 2025. I’ve been watching “webinars" by AARP and other companies to be certain I understand what will be necessary. My friends, so far, have been no help because they fall into two categories: they’re either not there yet, or they were there so many years ago that they’ve forgotten what exactly they chose initially.
While it still beats the alternative, figuring out Medicare is yet another thing about getting old that kind of bites. 🤨
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If you want full coverage and the most doctors and specialists to choose from, stick with traditional Medicare Part A and B, plus Part D (drugs) coverage.
Every Medicare Advantage plan comes with a slew of limits and very much limits the level of care and what specialists you will get to see.
I know this because I started out with a Medicare Advantage plan and soon found out I couldn't get in to see the specialists I needed to see. After that first year, I started investigating the various plans out there and found traditional Medicare is by far the best choice.
I switched back and have never had a single regret. If you want to talk to the experts, talk to nurses at hospitals... admissions, and discharge planners and you will quickly find out that they will steer you clear of the advantage plans.
@Ontheroad Medicare A B and D (drugs) does NOT provide adequate coverage. It only pays 80% of hospitalization and almost zero for drugs for most people. The drug donut hole is just an insane mess. Medicare does have restrictions as well.
I am fortunate in that my employer chose and provides a Medicare advantage program for retirees. I am reimbursed for part B expenses. It only has two restrictions. 1) a $65 copay for using an emergency room. 2) a $2 copay for each prescription. It makes no difference if I use their doctor of one of my choosing. It helps that the advantage plan was written for a large group to fit contractual requirements The city claims they are saving over $5000/family annually with this plan.
This coverage applies anywhere in the USA, overseas travel requires additional riders.
My point is not all Medicare advantage plans suck.
