Quote:
Originally Posted by Baz
Thanks, Gary.
Great information and head's up about the Part F going away for new enrolees.
I will continue to research.
My situation may be a little different from others as I do not go to a doctor and haven't except for twice to get Z-pacs for chronic bronchitis several years ago.
I go to a dentist and optometrist.
Other than those two I don't even have a GP.
I suppose at some point now that I'm approaching middle age I should think about getting a checkup at least. Probably happen after I get signed up.
Yes, I recognize that as I continue to age, stuff will likely wear out a little and I may need health care.
So for me, maybe I don't need the Part F Medigap option.
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It's not that expensive and the alternate can bankrupt you. Medical costs are not fair by any means. My shoulder replacement probably cost 40K no ins. Medicare pays a negotiated fraction of that and my medigap picks up where they leave off. For a lot of it, Medicare pays only 50% of that negotiated price and you pay the other, plus any deductibles due. That could still be in the 1000'$ for me w/o medigap.
Don't run the risk as you could get injured many ways. Or really sick. It's a hell of a lot better to be on the hook for 50 bucks for an ER visit rather than what they would otherwise bill you. Figure that ER visit would start at about a grand and if they did anything, you bet billed right down to the smallest bandaid. I think a bandaid is 5 bucks and the alcohol used beforehand is called some kind of preparation procedure, likely 20 bucks. Just a WAG but I'm not far off.