I'm looking at my medicare choices, Oy!

[irisblue]

Medicare for dummies and so far one company has sent info. I was too overwhelmed last year, but this I need info to make a better choice for me. ::whimper::

[hedda_foil]

1. There should be a specially trained SHIP counselor to help you locally.

It's a federal program to help people on Medicare choose the right option for them. Check online or call the nearest senior center.

[irisblue]

2. thank you!

[procon]

3. I went with a medicare advantage plan.

Everything is included under one payment that gets deducted from my SS. It's seamless and effortless and I don't have to bother with separate policies for basic medicare, plus a supplemental plan, and a separate Rx policy, and all of them with different premiums and different rules and providers. I've been with the same clinic for many years now, and I'm very satisfied.

[mrmpa]

4. I know a lot of people disparage..........

Medicare Advantage plans, but I think they are very good. I have my 86 year old mom on one. Her prescription drug plan is from the state, but I don't let her use it, it's too expensive & they will only fill a 30 day prescription at $8 for generic and minimally $15 for a name brand.

Her copays are $5 for her PCP, specialists are $45 and hospital stays no matter the length is $350.

Mom is on all generics and we can get a 90 day supply for $10. We will only use her state plan on a very expensive name brand if she would ever need one.