Ok - I've been reading everything I can on the various medicare plans, a, b, c, f, d, etc... I think I understand the pros and cons of medigap vs advantage, etc..
All of this is for DH. He turns 65 this January.
My question has to do with timing of signing up. I read that you can start medicare at the beginning of the month you turn 65... so that would be Jan 1st start date. But I also read that you can't sign up for medigap unless you *already* have medicare B... Which he won't have until Jan 1st.
Can you sign up for them concurrently? How far in advance can you do the sign up?
Looking at pricing (based on 2016) I'm pretty happy. Having a gold plated F plan he'll be paying $250/less month than his current HDHP HMO. Not bad to pay less and get a lot lower OOP. It would save him almost $600/month to go on an advantage plan - but for now, we're going with an F. His doctor is on both plans.
All of this is for DH. He turns 65 this January.
My question has to do with timing of signing up. I read that you can start medicare at the beginning of the month you turn 65... so that would be Jan 1st start date. But I also read that you can't sign up for medigap unless you *already* have medicare B... Which he won't have until Jan 1st.
Can you sign up for them concurrently? How far in advance can you do the sign up?
Looking at pricing (based on 2016) I'm pretty happy. Having a gold plated F plan he'll be paying $250/less month than his current HDHP HMO. Not bad to pay less and get a lot lower OOP. It would save him almost $600/month to go on an advantage plan - but for now, we're going with an F. His doctor is on both plans.