Scottiemom wrote:



Part F covers your deductibles. You won't be getting any bills. That's why we bought that supplement. I understand it's no longer available but if you have it, you're good to go.


Dale

JimK-NY wrote:

If you are healthy and relatively young, the need for really good medical insurance coverage might seem not worth the cost. I am 76 and actually pretty healthy for my age. Even so the medical costs can be out of sight. In the past year I have had a bunch of doctor visits, including specialists, also lab work and a bunch of testing and other procedures. I was seen by a rheumatologist a couple of times which also included lots of lab work. I had a couple of sessions with a neurology specialist which included some extensive EMG testing. I had a couple sessions of afib following my Covid shot. That means several cardiologist visits including an implant for a monitoring my heart. The monitoring is done by a cardiac specialist on an ongoing basis. I just finished a cardiac cath with a couple of stents. A few weeks ago, I had routine endo/colonscopy testing. I have mild emphysema so next month I am getting a complete pulmonary workup with ultrasound, echo, CT scans and pulmonary function testing.

I have paid absolutely no out of pocket costs for these many tens of thousands of dollars worth of testing and care. In addition I have no restrictions on physicians or providers. I have been able to find the best and replace any doc that does not seem to meet my expectations.

I highly recommend you look and pay for the most flexible and comprehensive coverage you can find. Sooner or later you will need it.

DallasSteve wrote:


We have different definitions of "pretty healthy". If I was your level of pretty healthy I would choose a different plan. The good thing is that every year I can re-evaluate what I need and choose a different plan. If I fall apart 6 months from now I'll have to absorb some out of pocket costs in 2023 (which I can) and then I can pick a more expensive plan for 2024.