Hi all, hoping for some insight.
Wife will be going on medicare shortly,I am trying to decide what is best,been looking at this stuff for 3 months and still not sure.
Leaning towards Aetna medicare advantage plan for 72 a month with drugs. It is a HMO, they also offer supplement plan F for 156 month and you need to get a seperate plan for drugs. The cost of the supplement also rise with increasing age.
We are in the Philly area,travel to Indianapolis a lot and they have network docs out there also.
The downside to a advantage plan is you need to go to a PCP in network doc and get a referral if you need to see a specialist, outside of that seems like advantage plans are better than a supplement.
What am I missing.
No underwriting for advantage plans, supplements have underwriting if you do not enter when you first go into medicare.
She is healthy takes no drugs. I am becoming insurance poor especially with LTC isurance at about 4200/year for both of us.
Also what I have read is that the governemnt with the new healthcare bill is trying to kill off the advantage plans for some reason. They seem pretty good to me.
Thanks
Old Mike
Wife will be going on medicare shortly,I am trying to decide what is best,been looking at this stuff for 3 months and still not sure.
Leaning towards Aetna medicare advantage plan for 72 a month with drugs. It is a HMO, they also offer supplement plan F for 156 month and you need to get a seperate plan for drugs. The cost of the supplement also rise with increasing age.
We are in the Philly area,travel to Indianapolis a lot and they have network docs out there also.
The downside to a advantage plan is you need to go to a PCP in network doc and get a referral if you need to see a specialist, outside of that seems like advantage plans are better than a supplement.
What am I missing.
No underwriting for advantage plans, supplements have underwriting if you do not enter when you first go into medicare.
She is healthy takes no drugs. I am becoming insurance poor especially with LTC isurance at about 4200/year for both of us.
Also what I have read is that the governemnt with the new healthcare bill is trying to kill off the advantage plans for some reason. They seem pretty good to me.
Thanks
Old Mike