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Applying for initial Medicare coverage
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[QUOTE="cohenzone, post: 3568537, member: 504"] A lot of good advice. When I first signed up, I chose an Advantage plan available in CT called Connecticare that covered A and D. OT included optional dental for a low fee. There were no additional premiums, the cost being the same as the Medicare premium. Supplemental plans had premiums over a hundred a month. One of the main differences was that for the extra cost, Supplemental plans required no co pays for doctor visits but they often didn’t cover full annual physicals, only so called wellness visits. Because I was in good health with few MD visits, the amount of my yearly co pays under my Advantage plan was far lower than premiums I would have paid into Supplemental plans. My rusk was a sudden bad turn in my health well before the annual open season window. Over the years. the Advantage plans started charging monthly premiums for services, but still much less than a Supplemental plan. I was able to easily use my plan in out of state or international travel if I needed an MD visit. Never needed a hospital. When my wife, a teacher, became eligible, she chose the plan offered in CT by the CT Teachers board which was a Stirling Supplemental Plan. It had those higher monthly premiums included Dental and Scriot, and was better for her because she had many more medical needs than I so the lack of co-pay and a few other coverage features were better for her than an Advantage plan. Then the retirement board switched to an Anthem Plan which I examined more closely during my wife’s cancer treatment last year. It’s a plan that is a definite hybrid. It has mostly features of a Supplemental plan but includes some co pay requirements , although lower than an Advantage Plan. But I decided to change to her plan during the last open season (eligible as a spouse) but for reasons that are definitely worth it whatever plans you consider. The hospitalization coverage, was way better than my plan had been related to the initial days exclusion and the annual max out of pocket was way lower. You need to compare those features carefully.See if annual physicals are covered. If you need equipment including things like hearing aids (I need them) and sleep apnea CPap machines are covered. The Anthem plan includes a dental option which is provided through a separate company. It’s pretty good for things like crown co-pays. The devil can be in the confusing details when choosing. [/QUOTE]
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Applying for initial Medicare coverage
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