← Return to Medicare question: Traditional or Advantage approach better for MPNers

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@quind03

The same thing has happened to my husband and me. We live in CO/AZ and after a lot of research we opted for Original Medicare with plan G. I understand your concern about Part B coverage. Your supplemental plan G pays the 20% not covered by Part B, as well as, the $1556.00 hospital deductible. All you pay is $233 deductible.
So as long as you have a supplemental plan there is no reason to worry about high out of pocket costs for hospitalization or medical procedures, office visits and durable medical equipment. You are in your initial enrollment period, which means you can not be turned down or go through underwriting, You are guaranteed coverage for your supplemental plan.
We decided to sign up for Original this year, we wanted the flexibility to go anywhere, including Mayo as we negotiate my husband recent diagnosis. we can always switch to a Advantage plan in the future. ( when I checked with Mayo, they accept OriginalMedicare, but did not accept the Advantage Plan in our area-not sure if that will be the case in 2023)
Even though the Advantage plan sounded like it offered more stuff, when I compared costs for the services we need Advantage plan was more costly. Here is just 1 example.
Specialist Office copays were $60 per visit/compared to $0 with Original Medicare. Currently we meet with the specialist weekly. My husbands cancer diagnosis was a big surprise to us. We do not want any surprises when it comes to paying our medical bills.

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Replies to "The same thing has happened to my husband and me. We live in CO/AZ and after..."

Such helpful info! Your details now have me wondering if I need Medicare B, because I have Plan G. The B plan is $170 premium/mo. Plan G (Aetna) is $190. Wondering now if I'm paying more than needed.