Hi all:
I have not researched Medicare much, as it is still 2.5 years away, but now I am starting to read and plan. My only exposure to Medicare was 5+ years ago with my parents, who had an excellent supplemental retiree policy and almost every cost of their care was covered either by Medicare or by the retiree supplemental plan.
However, I won't have a retiree benefit, so I will need to purchase either Medicare Advantage or a Medicare Supplemental policy of some sort.
The bain of my FIRE ACA existence has been the huge variation by state and by county in policy premiums and quality (coverage, networks, etc). In fact, as a nomad, I "moved" from Polk County TX to Sumter County FL so that I could buy much better insurance.
QUESTION: is there a similar phenomenon with Medicare supplemental policies? Will the quality and price of what I can get vary dramatically by state/county?
I've started to think about this as I consider where I might finally settle aged 65+ (NM, AZ and OR are current contenders). Do I need to thrown cost/quality of Medicare Supplemental policies into the decision mix?
I have not researched Medicare much, as it is still 2.5 years away, but now I am starting to read and plan. My only exposure to Medicare was 5+ years ago with my parents, who had an excellent supplemental retiree policy and almost every cost of their care was covered either by Medicare or by the retiree supplemental plan.
However, I won't have a retiree benefit, so I will need to purchase either Medicare Advantage or a Medicare Supplemental policy of some sort.
The bain of my FIRE ACA existence has been the huge variation by state and by county in policy premiums and quality (coverage, networks, etc). In fact, as a nomad, I "moved" from Polk County TX to Sumter County FL so that I could buy much better insurance.
QUESTION: is there a similar phenomenon with Medicare supplemental policies? Will the quality and price of what I can get vary dramatically by state/county?
I've started to think about this as I consider where I might finally settle aged 65+ (NM, AZ and OR are current contenders). Do I need to thrown cost/quality of Medicare Supplemental policies into the decision mix?
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