Quote:
Originally Posted by philfree
That's a lot to digest and I'll probably have to read it a few times to digest it all. I appreciate your post and thanks.
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The gist of it is....if you can afford a supplement, (Plan G is best for almost everyone), then traditional Medicare with a supplement is the best option for you. You can nail down your exact out of pocket health care costs pretty much regardless of anything that may happen throughout a year.
If you go with a Medicare Advantage plan, through someone like United Healthcare or Blue Cross, it may be a no cost monthly premium but you never know your out of pocket costs throughout the year other than your max-out of pocket. You'll be paying co-pays for all your visits, whether you have 3 in a year or 50 of them.
The beauty of traditional Medicare with supplement is the peace of mind in knowing no matter what health issues you have in a calendar year, you already know how much you'll be paying, and it's usually quite a bit less than the $5000 out of pocket max you may have on an Advantage plan.