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Denise:
Thank you for the presentation-slide show. My current spouse and I will become medicare-eligible in January 2013. We’ve just now begun our research into this important decision. We will add your name to our list of potential resources.
Hello Denise, My husband and I are moving to Oracle AZ 85623 on Oct 3. We have bought a home and my husband is retiring. I am in charge of trying to figure out Medicare in AZ and I am having a difficult time. My husband turns 65 in Sept 2012. He has had surgery and will need radiation but they want to wait until he heals. We had hoped to get this past us before the move. Unfortunately, he will need to do the radiation in AZ and not here with our MDs. We have excellent insurance here. My husband can use COBRA for this but we want to move into our new home. Help!! I just saw where we need to pay 20% of the radiation and I know that is very expensive. What do we do? We are meeting with someone from Medicare Advantage next week but he is familiar with WA programs. I want the best health care for my husband. What do you suggest??
Medicare says insurance agents are not supposed to push you to one type of coverage over another – or we’re not supposed to raise the issue of your health… But since you brought up the subject of your husband’s health, here is my advice:
Do not enroll in a Medicare Advantage plan! He will pay 20% of the cost of his radiation treatments if he is enrolled in a Medicare Advantage plan. Medicare Advantage plans are fine when a person is healthy, but cancer can be very costly with that type of coverage.
Your husband should enroll in a Medicare Supplement plan F. With this coverage, Medicare will pay first, the supplement will pay the balance of the bill, and your husband will have no co-pays or medical bills.
I’ve sent you more information by email.