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Part B and supplement instead of private Anthem?
posted at November 4, 2013 12:06 PM EST
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posted at December 3, 2013 8:04 PM EST
Re: Part B and supplement instead of private Anthem?
posted at December 5, 2013 8:54 PM EST
First: November 27, 2011
Last: March 8, 2014
In Response to Part B and supplement instead of private Anthem?:
My husband is still working and has Anthem thru his job. His company picks up his premium but we must pay mine which this year came to a little under $800 per month. He plans on working for another year but it could be for just 6 months. This past year I had a major health event and we were happy with Anthem's response to it. I am toying with the idea of giving up the Anthem and signing up for Part B plus an AARP supplemental insurance for 2014. It seems the savings would be substantial but will the service be the same? At this point in time my prescriptions are all generic and cost me about $200 per year. Any info or advice would be greatly appreciated.
Posted by jd6643
I assume that you are 65 years old and already have Medicare Part A + his coverage at work with you as a dependent.. Traditional Medicare + a good supplemental plan (see the types in the link below) which covers the remaining 20% of the approved Medicare charges and sometimes your deductibles is a good alternative. Unless you have higher income where a premium surcharge would be added to your Part B & D, then the cost of Part B premium + your Medigap policy + a Medicare D Prescription Drug Plan would probably be cheaper. Make sure that your medical providers accepts "assignment" - then your plan is good.
I've given you several links to Medicare's website on these subjects.
Do not that once you enroll in Part B and the employer coverage stops - you might need to go ahead and pick a Part D Prescription Drug Plan because there is a late sign up penalty if you don't - weigh the cost here too.
Will he (and perhaps you) have company coverage after he retires?
Medicare - Retiree Insurance
For Traditional Medicare + a Medigap Policy
Very Important: Medicare When Can I Buy A Medigap Policy?