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← Return to Medicare only, no supplement
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Hmmm, I do not know about a guaranteed issue period nor about an underwriting requirement. My supplement plan is a United Health Care/AARP plan, and the cost is just short of $250 per month but it covers both my wife and me. So for us, the $3K per year in addition to Part D costs ($50/month for me in 2024 and, believe it or not $0/month for my wife) have been worth it to date as I have had a lot of minor issues post heart transplant. (Two new hips thanks to tacrolimus, right shoulder issues, and so on.)
Perhaps a catastrophic only plan just in case?
What a screwed-up health care system we have in the US. Greatest technology in the world but the system in which is administered and accounted (paid for) is a mess.
Also I do know Medicare plans vary in cost by state and county/zip code.
Sorry I was not much help. I do not seem to have the same issues in getting care or paying for it that others have.
Best always,
s!
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Hi @scottij 😊
As always, I agree with all of your comments. We have all definitely benefitted from amazing technology for sure, but the insurance stuff is a mess.
And thank you so much for your very detailed response with your premium numbers. They were really helpful!
I can't wait until I turn 65 and get rid of this concern.
I ran some numbers and I think Medicare only for one year until I turn 65 will work okay (unless something catastrophic happens to me).
I spoke to an agent today and the supplement is $1,000 a month for under 65 years old. It doesn't seem like it's worth $12,000.