How much is Medicare per month?

Just curious. What Part D (Drug Plan) cost you $0? That is a deal. How's the plan working out? Any issues?
I think the major issue is that in some cases, the drug may not be in the formulary and you are having to pay the rack rate out of pocket with no cap.

This is the same as my plan (a Wellcare plan that cost me 40 cents a month last year). It works out for me, so far, because the only Rx I use is something that has been around a long time and is in the formulary. Theoretically, as long as I am on something that is in the formulary, I think my OOP max is $2K; although I've never really worked it out.
 
Just curious. What Part D (Drug Plan) cost you $0? That is a deal. How's the plan working out? Any issues?
Wellcare. It was $0 when we had it in FL for most of 2024. We switched to a similar Wellcare plan when we moved to Texas and it was $0.50 a month, but changed to $0 on 1/1/2025. Not sure why they even bothered to bbn collect $0,50 premium, but they did. Good so far, we've had it a few years. BTW, we select a plan based on premiums AND total annual costs for our meds rather than just premiums.
 
If you are in the low income group you can get the Part B ($185) paid for by qualifying for The Medicare Savings Program QI (qualified individual). Income limits in my state are 1 - $2,355, 2 - $3,189 a month. QMB (qualified Medicare beneficiary) pays for almost all Medicare out of pockets, limits 1 - $1,752, 2 - $2,371. No need for a Medigap policy.
 
Is Vision and Dental included in the Medigap (Plan G or N) plan? If not, is that a separate plan? If so, what is the typical cost for vision and dental?
 
Is Vision and Dental included in the Medigap (Plan G or N) plan? If not, is that a separate plan? If so, what is the typical cost for vision and dental?

Routine vision and dental care are not part of Medicare at all. However, some Medicare Advantage plans MAY add some level of coverage as part of their extra offers to lure you to sign up.

Ophthalmologic care IS covered by Medicare.
 
Vision and Dental are not part of Medicare at all. However, some Medicare Advantage plans MAY add some level of coverage as part of their extra offers to lure you to sign up.
Over the years I've looked at third party coverage for these and concluded that they don't make sense for us and it is better just to plan for and absorb the cost out of pocket. We do use a dental discount plan which helps a bit over the rack rate. I buy my glasses online -- buying glasses in a retail brick and mortar is highway robbery.
 
If you are in the low income group you can get the Part B ($185) paid for by qualifying for The Medicare Savings Program QI (qualified individual). Income limits in my state are 1 - $2,355, 2 - $3,189 a month. QMB (qualified Medicare beneficiary) pays for almost all Medicare out of pockets, limits 1 - $1,752, 2 - $2,371. No need for a Medigap policy.
Looking into this it looks like they look at assets too? At least in my state they do? Total assets is $9430? I may not be looking at the right thing.

 
I really appreciate all the info as I called in today to find out my SS benefits at 62,67,70. Last time I called in was pre covid, and at that time I didnt take in to account how expensive medicare is as I didnt realize it.

I was shocked pre covid how much my SS benefits would be and the same applies now after today's call. I am poor by this boards standards but more than fine by the worlds standards. My SS benefits at 70 (assuming $0 income until then) would be more than double my current annual spending. I spend less than 1% annually of my current investable assets (no pension). I'm planning on taking SS at 70. Who knows if SS will still be there by then.
 
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I have My UHC Medicare supplement plan G for 2 years now.
During these 2 years the monthly premium has increased 3 times. Moreover, I have not needed anything other than cataract surgery which insurance covered.
 
Our medicare costs are higher than when working.
Part A: $0
Part B: $185 for 2025
Part C: $0 (Kaiser Advantage- we chose the zero premium one, out of three choices)
Advantage Plus: $46 (includes vision and dental)
So $231/mo each, $462 for both DH and I.
Able to stay under IRMAA

Insurance was less than $200/month for family the last 5 years of work.
 
Just curious. What Part D (Drug Plan) cost you $0? That is a deal. How's the plan working out? Any issues?
We have Wellcare Value Script for Part D at $0. Haven't used it yet; but based on putting in our prescriptions during the change window; I don't think we'll have to pay more than $5/90 day supply for any of our 3 prescriptions, if even that.
 
We’re using the WellCare Value Script Plan at $0. I have one regular prescription at their expected Tier 2 pricing.
 
DW and I (72 and 73) are a combined ~$800/mo. We each have A, B, D, G. My Part D is $0, hers is $16.50. The cost for the G supplement has more than doubled since 2017. I expect it to double again over the next several years. The cost for B has gone from $104ish to $185.
 
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I wonder if there are a lot of people on here that arent on any medications or prescriptions. The last time I remember taking something was decades ago I was given codeine (1990 nose surgery). In 2019 I drove 365 miles to have hernia surgery as my deductible was 7k. Total cost was $2400 for the trip including surgery, motel, $40 in tolls. Drove home the next morning at 4AM (surgery was at 2:30PM). I didnt take any of the pain medication they prescribed at any point. Thats the only time I've been to the dr since around 2011 (edit: I have had a colonoscopy since). This year I have a $150 deductible, $2 dr visits from day 1 it says (1st 4 visits free). Last 2 years $0 deductible, free dr visits. Oh the unsafe life of a bachelor.
 
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I wonder if there are a lot of people on here that arent on any medications or prescriptions. The last time I remember taking something was decades ago I was given codeine (1990 nose surgery). In 2019 I drove 365 miles to have hernia surgery as my deductible was 7k. Total cost was $2400 for the trip including surgery, motel, $40 in tolls. Drove home the next morning at 4AM (surgery was at 2:30PM). I didnt take any of the pain medication they prescribed at any point. Thats the only time I've been to the dr since around 2011 (edit: I have had a colonoscopy since). This year I have a $150 deductible, $2 dr visits from day 1 it says (1st 4 visits free). Last 2 years $0 deductible, free dr visits. Oh the unsafe life of a bachelor.
You don't get physicals and associated lab work?
 
I wonder if there are a lot of people on here that arent on any medications or prescriptions. The last time I remember taking something was decades ago I was given codeine (1990 nose surgery). In 2019 I drove 365 miles to have hernia surgery as my deductible was 7k. Total cost was $2400 for the trip including surgery, motel, $40 in tolls. Drove home the next morning at 4AM (surgery was at 2:30PM). I didnt take any of the pain medication they prescribed at any point. Thats the only time I've been to the dr since around 2011 (edit: I have had a colonoscopy since). This year I have a $150 deductible, $2 dr visits from day 1 it says (1st 4 visits free). Last 2 years $0 deductible, free dr visits. Oh the unsafe life of a bachelor.
Are you aware that if you don't sign up for Medicare when eligible at 65, there is a compounded penalty of around 10% as I recall, for every year you do not sign up for either B or D. I have a good friend, always healthy, turned 65, and didn't sign up. Several months ago at age 73, his health declined rapidly, he finally signed up and now his B is close to $300/mo plus the increased penalty for his D. Lucky for him, the day his Medicare took effect, he had about $20k worth of surgery.
 
Are you aware that if you don't sign up for Medicare when eligible at 65, there is a compounded penalty of around 10% as I recall, for every year you do not sign up for either B or D. I have a good friend, always healthy, turned 65, and didn't sign up. Several months ago at age 73, his health declined rapidly, he finally signed up and now his B is close to $300/mo plus the increased penalty for his D. Lucky for him, the day his Medicare took effect, he had about $20k worth of surgery.
I'll be signing up at 65 no problem.
 
You don't get physicals and associated lab work?
I havent since 2011. I will in the future, not this year though. Has nothing to do with money obviously. I know the risks. I dont take for granted that I will live a long time. But I'm prepared to live a long time if I do.
 
The deduction for January 2025 coverage was $185 as expected.

For February coverage they took $175 on the due date (and the premium statement said the it would be $175).

Not complaining, just curious.
 
For many people the supplement plan goes up yearly as you age. After 5 years mine is 200/month. My friend had to go on an advantage plan at 80 because her supplement was 400 and she couldn’t afford it.
 
I wonder if there are a lot of people on here that arent on any medications or prescriptions. The last time I remember taking something was decades ago I was given codeine (1990 nose surgery). In 2019 I drove 365 miles to have hernia surgery as my deductible was 7k. Total cost was $2400 for the trip including surgery, motel, $40 in tolls. Drove home the next morning at 4AM (surgery was at 2:30PM). I didnt take any of the pain medication they prescribed at any point. Thats the only time I've been to the dr since around 2011 (edit: I have had a colonoscopy since). This year I have a $150 deductible, $2 dr visits from day 1 it says (1st 4 visits free). Last 2 years $0 deductible, free dr visits. Oh the unsafe life of a bachelor.
Wow, I can't recall NOT taking meds for a very long time! Decades!! So happy for you. This trait should save you a lot of money in retirement if you can keep it up. BUT be ready to take meds if your doctor(s) believe you should.

Best wishes for continuing good health.
 
2 years on Medigap:
Wellcare: 0
Part B: $185
G supplement: $114
No dental or vision, we have a big HSA for those expenses. I had cataract surgery in 2023, completely covered by medicare. The only vision expense is the $45 yearly vision check. Lucky so far with dental. Just twice/year cleanings $112/each.
 
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