target2019
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
I've read many Medicare threads here during the past 13 years.
In four months (July 1, 2022) I will say goodbye to our group insurance coverage that has been amazingly great for over 35 years. We are in the state of New Jersey.
I signed up for Part A when I turned 65. Now I have the decision of taking the next steps. Please tell me what to do! I say that half-jokingly, as I have absorbed a lot of knowledge, watched many videos (like Boomerbenefits), and followed this thread https://www.early-retirement.org/forums/f38/medigap-plans-to-rule-out-93148.html
I want to make sure I do not stumble. I find myself forgetting more key points each day. So I want coverage that is simple and easy to understand, and I'd like to know how I make payments for each part of the following.
Am I on a path that sounds not-too-crazy, at least up to this point? What am I mis-interpreting or missing completely?
With stage 4 urothelial cancer I have a shorter shelf-life than some. While everyone was enjoying the arrival of Covid in early 2020, I had several hospital procedures, and then chemo-therapy. Had good results with that. Then it was on to immuno-therapy (didn't work), and then Balversa (works for about 18 months). At best, I'll be done with Balversa within a year, as cancer can figure that out eventually. So, at that point I'd go back in the chair for chemo-therapy.
That paragraph is just to give some context. Of course I can't predict anything, really. Just setting a range of probable outcomes to help me with the Medicare choices and decision making.
Thank you for each and every response.
In four months (July 1, 2022) I will say goodbye to our group insurance coverage that has been amazingly great for over 35 years. We are in the state of New Jersey.
I signed up for Part A when I turned 65. Now I have the decision of taking the next steps. Please tell me what to do! I say that half-jokingly, as I have absorbed a lot of knowledge, watched many videos (like Boomerbenefits), and followed this thread https://www.early-retirement.org/forums/f38/medigap-plans-to-rule-out-93148.html
I want to make sure I do not stumble. I find myself forgetting more key points each day. So I want coverage that is simple and easy to understand, and I'd like to know how I make payments for each part of the following.
- I believe at this time my best option is Medigap (and not Advantage). I have been on the Medicare site several times, so I think this is a simple decision, just sign up for Part B coverage. The best site I've found to describe coverage available to me in NJ is https://www.aarpmedicareplans.com/
- Next is a choice for Supplement, like Plan G or something else? That is somewhat of a mystery to me, even now. Yes, I've read the Medicare booklet, it's just confusing for me to put together actions to make good decisions. I'll read it again for good measure, though.
- For a drug plan Part D, I have entered my prescriptions on the Medicare site, and found that 12 of 14 are covered. Of the choices, CVS, Rite-aid and mail-order, the yearly cost for the 12 common drugs is not a concern to me ($1250 per year). They are all very close. But one drug not covered (Balversa) adds about $1,000 per month out of pocket. With our group insurance now, it is $5.00 monthly. Big difference, so I need to understand more about that, and what do others with similar burden do?
- Dental and Eye coverage seems simple. That seems to be part of Plan G. Is it worth looking for other options?
Am I on a path that sounds not-too-crazy, at least up to this point? What am I mis-interpreting or missing completely?
With stage 4 urothelial cancer I have a shorter shelf-life than some. While everyone was enjoying the arrival of Covid in early 2020, I had several hospital procedures, and then chemo-therapy. Had good results with that. Then it was on to immuno-therapy (didn't work), and then Balversa (works for about 18 months). At best, I'll be done with Balversa within a year, as cancer can figure that out eventually. So, at that point I'd go back in the chair for chemo-therapy.
That paragraph is just to give some context. Of course I can't predict anything, really. Just setting a range of probable outcomes to help me with the Medicare choices and decision making.
Thank you for each and every response.