@hello1234

I am 82 and have only ever had traditional Medicare and the part D for drugs.
Supplemental plans are outrageous for premiums and deductibles here in Florida. Since I am basically a healthy person, this works for me. I added up my 20 % copays and deductible over a years time and the amount was less than what I would pay for a supplemental plan. I am not interested in any Medicare Advantage plans. I just changed my part D to a different tier level since I rarely use it and the premium had increased drastically.

Doctors and hospitals are always open to a payment plan for the copays if you have trouble paying it. A lot of people don’t pay their bills and they are generally agreeable to receiving some monthly payments from you. The Medicare premium is automatically taken out of your Social Security on a monthly basis when you are eligible for SS.

Remember that you can change your options during the yearly open enrollment period and I understand my decision would not work for everyone. You can only be charged for what Medicare allows and never more than the 20% copay. I keep track of that. It’s very easy to find out what Medicare covers and there are a number of basic screening tests like mammograms that are covered at 100%.

Here’s to good health,

FL Mary