Medicare coverage while travelling
This post contains a lesson and a question: We are just retired and will be spending 4-6 months on the road starting March of '17. We are just now eligible for Medicare and have decided to buy a M...
Forum Discussion
Buy a Supplemental (Medigap) Plan now since you are just now qualifying for Medicare. It supplements Original Medicare. The insurance company MUST take you now, but that will no longer true some months after that initial stage of joining Medicare, so it's important to decide now.
The various plans (mine is F) as mentioned carry identical features from one company to the next. I agree, plan F is the most complete coverage (an agent called it "the Cadillac of Medigap plans"). I pay nothing beyond the monthly Medicare charge (deducted from my Social Security) and the Supplemental company's monthly premium - no co-pays or deductibles.
I bought mine through Blue Cross in N.C. It doesn't matter if you move out of state, you still can carry the policy with you. And it gives coverage wherever we go.
One point to know. Drug coverage is not included in Supplemental plans. So you still need to get a Part D drug plan separately.
The various plans (mine is F) as mentioned carry identical features from one company to the next. I agree, plan F is the most complete coverage (an agent called it "the Cadillac of Medigap plans"). I pay nothing beyond the monthly Medicare charge (deducted from my Social Security) and the Supplemental company's monthly premium - no co-pays or deductibles.
I bought mine through Blue Cross in N.C. It doesn't matter if you move out of state, you still can carry the policy with you. And it gives coverage wherever we go.
One point to know. Drug coverage is not included in Supplemental plans. So you still need to get a Part D drug plan separately.
