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Hi everyone. I really need help from people who have successfully cleared the mountains of paperwork relating to Medigap coverage. I turned 65 on 12/27/11, quit working a week ago and will retire effective 3/1/12, however am still wrestling with the health care decision, which I must make quickly. I don't plan to draw social security until I reach 66 but did register and promptly received a bill for Medicare Part B.
My employer offers several retiree health plans here in Northern Virginia, including 2 Medicare Plus ($260 and 350 per month), 2 Sr. HMOs (95 - Kaiser and 145 - Aetna Golden, per month) and I Sr. PPO (Aetna $260 monthly). Until Sunday I thought my choices were limited to these 5 plans which I understand include prescription coverage, however, now I realize hundreds of companies sell Medigap insurance.
Yesterday I found a website described as independently helping identify the best Medigap coverage for you, however, within seconds of entering my data I received half a dozen calls and emails from insurance sales people. I spoke with the first person who called and she explained the difference between supplemental coverage and the Advantage plan is that most services under Advantage plans are limited to network physicials and subject to deductibles for every service, including each Dr. visit during hospitilization while the supplemental coverage supplements Medicare payments. She suggested several plans to research and added that Medicare Part D is in addition to most supplemental plans. The monthly premiums for the plans she mentioned are far less expensive than the plans offered by my employer. My friends who are near retirement age will retire from the Federal government or have military retiree coverage.
I will very much appreciate any suggestions or information that anyone can provide. Thank you. Sheila