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Old 04-13-19, 09:08 AM
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Join Date: Jan 2012
Location: Kingwood, TX
Posts: 750

Bikes: Canyon Endurace CF SLX, Blue Norcorss AL,

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I am 72. Depending on your health and location Medicare Advantage may be a good choice. Check the doctors in the network. This works like an HMO and you usually have to get referred to doctors from your primary doctor. These plans can change without much notice. Also if you choose this coverage changing to the Medicare with supplemental requires a exam and you may be rejected or the cost might be very high if your condition is serious.

For my wife, who has stage 4 cancer, Medicare plus supplemental insurance was a great choice. For her treatments we have zero out of pocket except for drug co-pays. She has Medicare with a Group F supplemental coverage. For me I have the same type of coverage but Group F high deductible insurance. Group F will not be offered in 2020 but if you have it before that time you can continue. Do NOT delay signing up for Part D drug coverage or you will pay a penalty. I did that because I don't take any drugs and now pay a 10% penalty for life.

This website can be very helpful.
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