| Yep, we went for it as the plan basically covers the Chicago area, so access is good, and the out of pocket max has been lowered over the past three years to $2500/year. So financially, at least with this particular plan, it really is a good deal as I figured for the two of us on regular medicare we would be out around 6k yearly for two supplementals and part D's whether we used it or not, vs zero monthly cost with our plan. That also does not take into account the 10k allowance we now have for dental coverage, a yearly vision allowance for glasses and for hearing aids, and free memberships in a nice gym. Downside is you need referrals, but we have found it's not a big deal, you send an email via 'mychart' to your primary and get six visits over a year for the particular specialty needed. That said, if we ever decided to switch back to regular medicare, it gets complicated as some states allow medical underwriting for the supplementals, so depending on one's medical situation you could be charged more or I suppose rejected for coverage. |
