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Humana premiums in NC are going from 26.20 to 39.40. Humana's initial coverage has also gone up from 2510. to 2700. dollars. Generic 4 to 7 and preferred 25 to 40 dollars.
Since I will be turning 65 this month, Humana, Medicare and Medigap is all so confusing. Why in the world do they make us jump through hoops to try and find the best program to fit our needs. Wish the people in Congress had to do the same.
Have a question. Medicare pays for a physical the first year I enroll. After that do I have to pay out of pocket for yearly physicals?
That depends on which plan you choose. Medicare will pay for one 'welcome to Medicare' base line physical exam when someone is first eligible. However after that Medicare does not pay for annual physicals. Many Medicare Advantage plans and some 'Medigap' plans will pay for an annual physical. the best advice to offer is take a good look at all the Medicare options where you live and make your decision on which one has your doctor in the network, the drugs you take in their formulary and the cost.
Keep in mind that even though you may be in excellent health and not taking many meds, that could change overnight and once you choose a drug plan, you lock yourself into that plan for the entire year. If you can afford to fund it, you may want to take a serious look at a high deductible option with a health savings account attached to it. That is not available in every state, but some companies have goten around it by offerring an attractive package. The high deductible option saves a lot of money in premiums, but if one can afford to fund a savings account for the deductible, it makes for a nice option.