General Discussion
In reply to the discussion: This message was self-deleted by its author [View all]mnhtnbb
(31,382 posts)and the BCBS Federal supplemental plan which covers all copays and meds. I have had two joint replacements since being on Medicare-a hip and a knee-and paid nothing. No charges for doc visits, hospital fees or PT. I'm fortunate that my only regular med is for asthma and my last refill for 6 month supply cost me $5.
I'm also fortunate that as a widow I was eligible to get survivors benefits on my husband's civil service pension that includes the BCBS supplemental plan. The benefit pays a portion of the premium and the Feds deduct $243/mo from the total monthly pension benefit as my share of the premium. Believe me, having had two joint replacements completely covered has been worth the premiums.
The supplemental plan I have doesn't cover dental or vision, though. Having to pay out of pocket for about $5 grand of dental work 3 years ago to replace old crowns wasn't fun. But since then I've only had routine cleanings and checkups every 6 months. My prescription for glasses also changed this year and it hasn't been cheap to update the 3 pairs of glasses I use--readers and progressives for sunglasses and indoor glasses--all the time.