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Medicare, Medicare Advantage or Medicare Supplement ... Which is best?  RSS feed

 
gardener
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Looks like I will be having to make a decision for 2019. 

I have always believed in prevention, as in eating right and living a good life, health wise.    I also believe in having insurance since medical costs are so high.  There is no way I could afford the prices that are quoted for medical without insurance.

So are their reasons to go with just Medicare?

Are there advantages for going with Medicare Advantage?

Is the best option really a Medicare Supplement?

Any suggestions?
 
pollinator
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Anne - I have Medicare and a Medicare Supplement through Kaiser. My reasoning was that I've always had Kaiser, at least when I had insurance, and I knew the system. I also will be making a change when we move to Oregon, no Kaiser, and have been weighing my options. From what I can see, a lot of it is how much do you rely on mainstream medical services and is a large co-pay going to limit your ability to seek medical care. As far as the prescription coverage gap, the only thing that seems to really help is qualifying for 'extra help' or Medicaid.

Personally, my health isn't great right now, but I don't feel like they are really helping. So I'm torn.

Hopefully, others will chime in for some more perspectives.
 
Anne Miller
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Stacy, thank you for the reply.

At one time I only had medicare and a drug plan though I never used the medicare plan and I only take one prescription so the drug plan costs me more than it is worth.

Then the company my husband was with offered the Medicare Advantage for $0 dollars so I took it.

The advertisements I see for Medicare Supplements want to say that it is so much better than Medicare Advantage so I was hoping someone would give their opinions.

  
 
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