Need Medicare advise

[BB_TX]

First, we are not full timers. But,

The supplements cover an extensive range of costs beyond what A & B cover, including deductibles, co-pays, extended hospital/nursing home stays, excess medical charges, blood, etc. We have the plan F which covers most everything Medicare A & B does not with up to an additional 365 days skilled nursing if needed. That extended 365 days coverage could prevent a catastrophic financial hit for a serious illness or injury.

The insurance companies have negotiated rates for each service that is far below what you would be charged if you did not have an insurance plan.

As for part D, I chose Humana Walmart. It is the least cost per month, but does have a higher drug deductible. You need to look at the various plans closely based on what meds you take. There are web sites where you can weigh the costs of each plan based on monthly premiums and yearly costs of your meds for different plans. Lower monthly premiums typically mean higher deductibles for the meds. Higher monthly premiums typically mean lower deductibles for the meds. Yearly costs for different plans often end up fairly close (depending on the meds.) But some plans have higher monthly rates plus higher med costs. After looking at a number of them, Humana Walmart was the least expensive yearly costs for what both the DW and I take.