Originally Posted by Lynn M
Medicare doesn't include pharmacy coverage, so most people have to add that in some type of supplement.
If you decide to go with Original Medicare and add a supplement policy, you have 6 months to do that after you are eligible for Medicare. I am now past the 6 month mark, so to switch back means they can deny me or increase rates due to pre-existing conditions. So I'm stuck with an Advantage plan for now. I know I can go to an E.R. when I'm out of state. But for my regular dr appointments to renew prescriptions, I will have to fly back or drive to Reno, because with an Advantage plan you are only covered at "home" with the GP and hospital you declare.
In a few years I will get a small pension, so maybe I could afford a supplement plan then. For "normal" people they run $150-200 / mo. So with my ill health I expect $400 / mo. Plus Medicare B of $104 / month.
It's funny that people who don't have Medicare, like to tell me how Medicare is free, and my surgeries are free, and I could get a free electric wheelchair. Don't I wish!
ven in Canada it is not free, lucky for me I can get enough drugs to carry me for up to 3 months of travel, My wife has a pretty good policy for traveling anywhere in the world even though I have Diabetes, amongst other medical problems were covered quite well, we are lifetime members of Good Sam and we have some overages through them as well.
It costs me personally around $80,00 a month for just about everything which is paid for by her old Company, plus their extended health helps me somewhat around 80% then my Pharmacare cuts in for the rest and what is not paid for I can write off in my income tax, I still have to pay some out of pocket but if I had to pay it all I think I put the gun to me head and pull the trigger.