I am 73, Medicare Advantge with a $16 extra a month to bring down copays…Despite not having the risk factors, 2-1/2 years ago I was diagnosed with a very lethal cancer. since then I have has several nasty surgeries, chemo and radiation..and for the last 1-1/2 years it‘s a stage 4 requiring chemo treatments every three weeks plus daily oral chemo…I mention this due to the co pays, we have actually paid about $16,000 out of pocket…The total cost of treatment would buy a nice Italian sports car with the horse logo… Always try to have some cash on hand because you never know about tomorrow …Oh,I can still work on and ride my motorcycles and hug my wife, it could be worse ,LOL
Yeah, sorry to hear about your health issues. I would stress to anyone to check the out of pocket limit on any Advantage C plan.
Its why in my long post I tell people to do research, hard to cover it all in a forum.
You bring up a good point, it sounds like you have a high out of pocket limit of around $6000 to $7000. if you paid out about $16000 in 2.5 years.
When I signed up for my medicare C plan, I treated it like I would have coverage like my company gave me.
SO I made sure to get a plan with low out of pocket. My Out of Pocket expense can not exceed $4,500 a year and I have no deductibles so my coverage is just as good as most corporations give employees. My plan is through Untied Health Care
My brother with heart issues and other issues just switched from an A,B,D,G plan to a Advantage C PPO plan through Humana with a deducible of $750 a year and an out of pocket limit of 2450. which is amazing. Plus the deductible also is part of out of pocket expenses.
Another good thing with C plans is you can switch around.
You make a good point that I should have in my long post. If you dont have a lot of money saved make sure to choose a plan with a low out of pocket of $4500. and my brother $2450. I would never be comfortable having a higher out of pocket.
WIth that said, if you only had Part A and part B it sounds like your $16,000 would have been more like $106,000
At the same time, if you had A,B,D,G it would have been more like $4000
Choices are good.
Glad you can still get on your bike and I wish you the best.