Turning 65 in July Just started at VA get Advantage instead

[MickD]

I had some issues that brought me to the ER at the VA this month. I'm not sure if I should stay there, or sign up with an advantage plan.

We have a HMO here that looks really good kelseycareadvantage (can't post links.)

but I have also been considering Bravo because they have hearing aid coverage, and I have a significant hearing loss.

I'm supposed to schedule a CAT scan and ekg at the VA, don't know if I should hold off until July, or have it done now at the VA, I'm not sure what kind of copays I'll be responsible for at the VA,

 

[Mack]

Welcome!

By all means if you are turning 65 in July go ahead and sign up for Part B Medicare if you haven't already.

No one can tell you whether a Medicare advantage plan is right for you, or which plan is right. However since you have existing medical issues you should be able go get an idea of what is covered and what is not before you decide on a plan.

Medicare Advantage plans depend on the area you live in and uses networks of doctors and hospitals, and often do not offer much coverage if you travel to another area, so this is a consideration. With a Medicare Supplement plan there are no such restrictions although they cost a little more.

You could probably ask the VA about what copays you would be responsible for, I am sure they would tell you.

Good luck!

 

[MickD]

Welcome!

By all means if you are turning 65 in July go ahead and sign up for Part B Medicare if you haven't already.

No one can tell you whether a Medicare advantage plan is right for you, or which plan is right. However since you have existing medical issues you should be able go get an idea of what is covered and what is not before you decide on a plan.

Medicare Advantage plans depend on the area you live in and uses networks of doctors and hospitals, and often do not offer much coverage if you travel to another area, so this is a consideration. With a Medicare Supplement plan there are no such restrictions although they cost a little more.

This is probably a dumb question, but If the advantage plan shows $ 0.00 cost, does the $99.90 monthly medicare charge still come out of my SSI check?

I guess I need to make a quick decision before July 1, because I'm already collecting (I need it to pay the rent).

 

[Vaughn Kruger]

Sorry I'm late to the conversation. I hope I got here in time for you to make a good decision.

Even if your Medicare Advantage has a zero premium you are still responsible to pay your Part B premium. The zero premium for your plan just means that they charge nothing above and beyond your normal Part B premium.