Just turned 65 and am enroled in Parts A & B. Iv'e been looking at the Wallmart/Humana mail order prescription plan but I'm having problems figureing out supplemental programs. I see limited coverage, some with prescriptions included, ect. We have been fulltiming since 2005 and have friends that let us use them for a mailing address but have No home address (possible problem). Our mailing address is in Western Washington and we spend summers in the Northwest(WAshington/Oregon) and go south for the winter from SoCal to Florida.
Any insites or suggestions would be greatly appricated. Thanks..
I'd look into a Nationwide plan of some sort (like BCBS plan C coverage). Mine covers me anywhere I travel in the US and pays 100% of what Medicare does not. Covered items only of course. Not the ECONOMY model for certain
Good luck / Skip
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We're not fulltimers but we have a Medicare Advantage plan. With those, Medicare pays the insurance companies to do it all for them. Some do not charge anything above the Medicare premium. Ours doesn't. Disadvantage with some is that they're HMOs so extra deductible, etc for being out of network. Ours, however, works very well for us.
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Medicare Part D is what you need for prescription drug coverage.
You do have a "home" address, even if you're a fulltimer & dont own a home. The address you use for your drivers lic, vehicle reg, vehicle insur, voting, taxes, etc; is the same address you'll use for a medicare supplemental policy. That doesn't mean you have to be "home" to get covered medical services.
Since Supplemental policies are provided by private insurance companies, the costs vary a bit and which type supplemental plans are available to you will vary slightly based on your home state. At least the Gov has made them all use the same descriptions ie: a Type F Supplemental Plan is supposed to include the exact same benefits, regardless of which private provider you choose (the costs will vary). Which supplemental plan is right for you is a personal decision based on how much you want to pay to cover some or all of the uncovered Medicare costs.
As far as getting service while traveling, just be sure you dont sign up for an HMO type policy. Those are the ones that usually restrict you to a local geographic located group of providers. Whereas most PPO based plans have approved providers all over the country.
I don't have prescription coverage and take 4 prescription meds. 2 are on Wallyworld's $4 list and the other 2 I get from non-US pharmacies via internet. Drugs are mailed to whatever address I give them.
Maybe not for everyone, but works for me.
I understand if I decide to get prescription coverage later, I'll have to pay a big upfront penalty. Biggest risk I face is needing a very expensive recurring drug in the future.
I'm a health insurance broker and licensed in Wash and Oregon. Given what you described, I'd go with a Humana PPO Advantage plan. They are roughly $50 and include Rx/part D. This is not an HMO plan, which are limited to certain Drs. and Hospitals. A PPO plan allows you to see any provider. It just gives you a better benefit if you see the ones on their network.
If you want more info, without obligation, just PM me.