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I know about Humana - premium went from zero in 2008 to $38. for 2009 thats on top of the $96.40 that they take out of SS.
I'm on 3 generic scrips that are cheap and 2 that are formulary but level 2. I see that in 2009 they do have some zero premiums but they have around a $200 ded. There has to be an intelligent way to figure out if it's better to take that plan with a deductible or perhaps get some of the meds from a local pharmacy and some through the plan. But how can that be figured if there is an unknown factor? And the deductible - does it apply to only what I pay or to what the meds cost?
You know, I worked in an insurance office all my life. Wrote all kinds of strange coverages for large commercial clients and also handled all their claims. So I know that I have the intelligence and "know how" to figure this out - but when part of it is a mystery?
It really is a shame that each year one has to review the plan options. The data is not available in detail until Nov.15,but there is a list of co. and premiums for those in each state on the Medicare.Gov site now.
In NH there are several plans with much lower premiums.
I'm not sure how the deductible works. In the "hole" it's out of pocket costs.