CSN Login
Members Online: 3

best medicare plan and supplements

daisy366's picture
daisy366
Posts: 1493
Joined: Mar 2009

With medicare eligibility coming in July, I would like your guidance on which plans are best for cancer patients.

It gets expensive when procedure co-pays are $200 like my present BC/BS plan.

I'm interested in your feedback. Thank you in advance.

Mary Ann

JoAnnDK
Posts: 276
Joined: Jun 2011

I continued to use the same Aetna plan - one that we have had for years - as a supplement once I went on Medicare. So I did no shopping around because my husband's former company supplements it somewhat.

A cousin and her husband DID shop around, though, and had several insurance agents come to their house with their "packages". Her husband has had 2 kinds of cancer and heart problems, and their insurance is $500 a month for both of them (in addition to Medicare premiums). They thought that was reasonable.

soxgirl823
Posts: 8
Joined: Oct 2011

my parents both have Aetna advantage and with my mom's cancer her co pay is 25.00. Thank goodness. They are on fixed incomes and i pick up the rest of the medical bill etc. Their premium per month is 98.00

Ro10's picture
Ro10
Posts: 1428
Joined: Jan 2009

My husband did all the checking for insurance for me. He recommends Medicare F as it covers more things. Then check which company has the lowest rate for your state. For IL it was mutual of Omaha. As long as it is plan F all the companies pay the same. Since I went on Medicare in April we have had no co pays.

The drug plan- medicareD is more complicated. You need to plug in your drugs and see which company pays more for your drugs. There can be Tier 1,2,or3 drugs. The plan I have this year I pay nothing for tier1 drugs where as last year I paid $4.00 for a 30 day supply of tier 1 drugs. Then you pay a percentage of the cost for tier 2 and tier 3 drugs. Unfortunately two of my drugs are tier 3, so they are more expensive. My three Emend pills cost me $142' and someone recently posted their co pay with insurance was only. $6.00 . Quite a difference!

Good luck with choosing your plans. Our Senior Center has a SHIP representative and a booklet to help make the decision. Think the SHIP stands for Senior Health Insurance Program ( not sure of the P). They may be able to help you,too.

Double Whammy's picture
Double Whammy
Posts: 2301
Joined: Jun 2010

Because with the new health care laws, pre-existing conditions cannot be considered by supplemental health insurance companies within the first 6 months of going on Medicare.

Or at least that's what a good friend told me. She had no problems with a supplement because of this - she has UPSC. I go on Medicare in June and am fortunate enough to be able to use my retirement benefit health insurance. I will still worry that I did everything right when the time comes, tho. Don't you hate having to worry about these things?

Suzanne

JoAnnDK
Posts: 276
Joined: Jun 2011

Ro, what is Medicare F? I never heard of that and cannot seem to find any info...

Thanks

JoAnn

Ro10's picture
Ro10
Posts: 1428
Joined: Jan 2009

It is a supplemental plan that covers what basic Medicare does not cover. There are plans -A through F for supplements. Plan F covers more things, but it is a more expensive plan,too. With a cancer diagnosis I would think you would want the best coverage. Treatments and tests are very expensive as we all know. So if you check your individual state to see which company offers plan F for the least amount of premium to be paid.

JoAnnDK
Posts: 276
Joined: Jun 2011

Ro ---Guess I never heard of Medicare F because I was not looking for supplements --- we already had one in place from my husband's company. I pay very little out of pocket.

I thought you were talking about the regular Medicare....

JoAnn

Subscribe with RSS
About Cancer Society

The content on this site is for informational purposes only. It is not a substitute for professional medical advice. Do not use this information to diagnose or treat a health problem or disease without consulting with a qualified healthcare provider. Please consult your healthcare provider with any questions or concerns you may have regarding your condition. Use of this online service is subject to the disclaimer and the terms and conditions.

Copyright 2000-2014 © Cancer Survivors Network