The Medicare enrollment period is approaching and I wanted to ask some old
farts about how they are handling medical insurance. Young farts can delete!
Two years ago I got dis-enrolled from Medicare indirectly because due to
travel, I missed a Medigap payment, thus rendering Medicare less useful and
more dangerous due to the reduced coverage. Medigap providers could (and did)
refuse me coverage due to back problems.
So I enrolled in Presby's Medicare Advantage PPO plan last year. It was less
expensive in terms of monthly payments, but much more expensive in terms of
drug and procedure copays.
So I'm looking into returning to "Original Medicare" plus Medigap plus an RX
plan (Medicare++) as I originally had. Note: I was told before that I could
not return, but this year's Medicare & You booklet tells me I can, by simply
buying a RX plan, which automatically causes me to be dropped from Advantage
and returns me to Original Medicare.
BUT a lot has changed lately, especially with Medicare and the Obama health
plan. I'm not sure if I'd be better off with Medicare++ or stick with my
Presby/Medicare Advantage.
So I'm interested in your approach. Do you use Medicare? With Medigap/RX
plans? Or do you prefer Advantage? Do you see changes we need to be aware of?
-- Owen
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