When wife and I started Medicare 18 months ago we did a ton of research. Medicare advantage looked be a great value if you don't mind the guard rails that the plans have. A limited budget may mean that the low cost over rides having to deal with the guard rails. The risk is that the MA provider has more room to control where you go, who you see, and what you get. We chose Medicare and G (specifically AARP/UHC G). We wanted health care coverage that was similar to what we had over our working careers. Part D is a yearly choice. If you currently have limited prescription drug needs, get the cheapest plan available. Ours started off at $11/month each. This year that same plan dropped to $0.00/each. As your needs change upgrade to a better plan at the yearly anniversary. I believe that sometimes you get what you pay for.
Comments
When wife and I started Medicare 18 months ago we did a ton of research. Medicare advantage looked be a great value if you don't mind the guard rails that the plans have. A limited budget may mean that the low cost over rides having to deal with the guard rails. The risk is that the MA provider has more room to control where you go, who you see, and what you get. We chose Medicare and G (specifically AARP/UHC G). We wanted health care coverage that was similar to what we had over our working careers. Part D is a yearly choice. If you currently have limited prescription drug needs, get the cheapest plan available. Ours started off at $11/month each. This year that same plan dropped to $0.00/each. As your needs change upgrade to a better plan at the yearly anniversary. I believe that sometimes you get what you pay for.
Post: Medigap pricing question
Link to comment from September 7, 2024