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[Fishkiller]

That sounds like a good deal!

Medicare Advantage plans are good with one exception. You have Co-Pays and are on the hook for whatever Medicare does not cover, My MIL has one and every doctor visit costs her $20 and if she has a procedure it is over a $1,000. I am covered on the wife's plan, and they enrolled me in a Medicare Supplement plan. I pay for prescriptions and nothing else. Had ankle surgery and Hospital bill was around $32,000 but only $6,000 per Medicare and Medicare paid $5,000. The supplement plan picked up the rest. Supplement plan pays all my co-pays. Our insurance premiums went down by $300+ a month, so even paying the $148.50 to Medicare we are $$ ahead. That is my experience, other may differ depending on income levels and medical insurance.

Just remember the medical insurance providers, and all Advantage plans are run by insurance companies, are for profit business. So they will look out for the company before you.

 

[Fishkiller]

Looked at my email: 2022 Medicare Part B if estimated to be 158.50 and the Deductible is estimated to be $217 ($14.00 increase over 2021)

Yes that is a lot of $$ but when you do the math you will be $$ ahead after the 5.9% increase on the SS payments. Unless you only get $1,000 a month, then it will be a a little better than a wash.

 

[Aus_Schwaben]

Medicare Advantage plans are good with one exception. You have Co-Pays and are on the hook for whatever Medicare does not cover, My MIL has one and every doctor visit costs her $20 and if she has a procedure it is over a $1,000. I am covered on the wife's plan, and they enrolled me in a Medicare Supplement plan. I pay for prescriptions and nothing else. Had ankle surgery and Hospital bill was around $32,000 but only $6,000 per Medicare and Medicare paid $5,000. The supplement plan picked up the rest. Supplement plan pays all my co-pays. Our insurance premiums went down by $300+ a month, so even paying the $148.50 to Medicare we are $$ ahead. That is my experience, other may differ depending on income levels and medical insurance.

Just remember the medical insurance providers, and all Advantage plans are run by insurance companies, are for profit business. So they will look out for the company before you.

And before buying the supplement plans, you have to estimate how much medical you will use in the coming year because many of the plans are based on that. If you do not expect much, then you can get a cheaper plan but if you go over your estimate then you have to more/higher copays. And do not forget about the "donut" hole on meds, that is when you exceed x dollars (specified by your coverage) then you are responsible for a higher percentage of the cost until the costs hit the "catastrophic" level and the copays go back down (plus the amount resets to zero every January 1st).

 

[Wiliamr]

Yes that is a lot of $$ but when you do the math you will be $$ ahead after the 5.9% increase on the SS payments. Unless you only get $1,000 a month, then it will be a a little better than a wash.

In my case; I get a CSA (Civil Service Retirement) annuity from the Federal government and due to the "Windfall Elimination Act" pushed by triple dipper retiree Reagan, my Social Security annuity which would have been $1500 a month is reduced to $290 a month because I didnt have 40 quarters in Social Security credible earnings before I turned full retirement age of 65. For most of the previous 40 years ( other jobs in addition to or before my Federal hiring) I earned just below the "SSI Credible earnings level, with only 5 years above that thresh hold. So, for last 10 years my SSI increases are used to pay the Medicare amount. Because of the "Hold Harmless" clause, I am paying less than the current rate for Medicare, but my after Medicare payment, I am getting the same "take home" amount I was getting 9 years ago. Oh well...

 

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I have a different take on this. I think 90% of these MFers ARE coming here for socialism. If you notice when Trump was in office they almost quit coming, now that the party of free shit is back, these scum bag, thieves and trash are coming here to rob and loot. Its like Hedley Lamar ask for a group of cutthroats to come pull a Number 6 on the whole damn country.

 

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