Questions for those on Medicare (or who have experience with it)

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63. info on supplemental insurance

the supplemental stuff is very confusing. Forget medigap if that is still around but know this if you are deciding on a supplement plan.

All plan A's are the same
All plan B's are the same
All plan F's are the same

In other words, a plan a is a plan a. By any company. It is required to be the same. So if you decide you like plan A, you then just have to look at who offers it, at what price, and how easy they might be to work with to make your decision.

If you decide you like plan F. Just look at all who offer it and decide from there.

It makes it a lot easier when you realize that each plan is the same by whatever carrier.

I think I chose a plan F for my mom. Cost 132 a month from mutual of Omaha. Paid almost everything but 56.00 per doctor visit. When she died, while on life support, I got zero in bills. When she went to er a few years earlier, there were little or no bills. She did not have many meds so we had no problems.

as to your questions on doctor services, yes I think those are are billed as separate cost but end up being about 20% out of pocket across the board.

blue cross/sheild used to have a search engine that would tell you the cost of different procedures at different facilities and also list the out of pocket cost. You might try to find that. If one place charges 800 bucks for something and another charges 500 for the same thing your out of pocket cost would differ by about 60 bucks.