Posted by Tom in TN on January 14, 2010 at 17:59:00 from (4.152.159.250):
In Reply to: OT Medicare Part B posted by Billy Shafer on January 14, 2010 at 17:31:56:
Billy,
You probably know this, but here goes anyway.
Part A is hospitalization. There is no charge for it.
Part B is doctors. The rate just went up to $110.00 per month (a 15% increase over last year). You can have it deducted from your Social Security payment or you can pay for it directly. I think you have to pay three months at a time if you pay for it separately. There are co-payments on the doctors' bills and there are limits on the total coverage. That is per person, by the way. If your wife is to be covered, she also pays $110.00 per month.
Part D is prescription drugs. You pay for it. You select an insurance plan that is one of the ones that Medicare approves. There are co-pays and only certain drugs are covered.
The net of all that is, there are no simple yes or no answers about Medicare. It is complicated and you need to study it thoroughly before you make any selections.
There are also supplemental insurance policies available on the open market to fill the gaps that Medicare coverage doesn't provide. I carry a supplemental policy on my Part B medicare coverage.
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