scarfgirl Posted March 19, 2010 Report Share Posted March 19, 2010 Once my divorce is final I'll have to go on Medicare part B. Of course it hardly covers anything, so I'll need to supplement it big time. How do I figure out which plan is best for me? Every education site is really aimed at seniors, but I need a plan for the young and disabled. If anyone else with POTS has had to do this, I'd love to hear about it. Quote Link to comment Share on other sites More sharing options...
Rachel Posted March 19, 2010 Report Share Posted March 19, 2010 Medicare supplement insurances vary by state. You will probably find it helpful to talk with a local insurance agent who can help you with this.I have a great insurance agent who has helped me with all of the confusing details. He told me what the best supplement option was, and that's what I chose. I have never had to pay a penny out of pocket for a doctors visit, hospital stay, or medical test. Even when doctors offices have told me that Medicare and my supplement wouldn't cover the whole cost, they always have. A good Medicare supplement can make a big difference. I have a Blue Cross Blue Shield supplement, and it has always been good. Depending on your state, though, BCBS might not offer a supplement; they may only offer a comprehensive plan. Again, an insurance agent can help you pick what is best for you.You will also need a Part D plan to cover prescription costs. Check these out carefully. Some will make you pay a whole lot more for your meds than others will. A couple of years ago I used a Part D checker online that compared the costs of my meds on different Part D plans. I was easily able to find the best option for me.It call all be very confusing, but it is worth checking into and finding a good plan. Picking what is best for you can save you a lot of money.Rachel Quote Link to comment Share on other sites More sharing options...
scarfgirl Posted March 21, 2010 Author Report Share Posted March 21, 2010 uh-oh, what if I'm visiting doctors in diff states? Quote Link to comment Share on other sites More sharing options...
DYSarray Posted March 21, 2010 Report Share Posted March 21, 2010 Hi. I am on medicare and I have Regence BC/BS med advantage plan with prescription coverage. I talked to an agent who helped me pick the plan that fit my needs and so far I have had no problems whatsoever with the coverage. I am mid forties and I also live in Washington state and see out of state doctors (Oregon). If you have any other questions just let me know.Thanks,Lori Quote Link to comment Share on other sites More sharing options...
Rachel Posted March 21, 2010 Report Share Posted March 21, 2010 I see doctors in several different states. I think as long as they take Medicare then they are required to take your medicare supplement too.Rachel Quote Link to comment Share on other sites More sharing options...
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