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Applying for initial Medicare coverage
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[QUOTE="UcMiami, post: 3567045, member: 199"] I turn 65 in a week and just went through this - ugh!!! I travel enough and have enough medical issues and hate HMO type insurance because of the restrictions they impose on providers, so I went traditional medicare over the advantage plan. You can sign up for medicare 3 months in advance, though the coverage begins on the first day of the month you turn 65 (or the date when you lose private insurance after age 65.) I went with A and B (you need both if not on an Advantage plan), plus D for drugs, plus a supplemental plan. In CT you have a choice of 3 part D plans and about 6 supplemental plans. In all because I went with the highest coverage I could get, the cost per month is about a third of what my private plan was (I was retired so paying my own coverage through the CT run Obamacare plan.) Insurance is a minefield - used to review the insurance plans for my company each year and the process is similar for the medicare choices. I have always felt that if your budget can handle it, the highest levels of insurance are worth the expense - medical emergencies can and do destroy people's finances, so paying a bit more each month for the peace of mind is worth it. [/QUOTE]
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Applying for initial Medicare coverage
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