Disabilty and Medicare Options

[Guest guest]

/ Beth and others,

Various groups can be helpful sorting through Medicare options, including Medicare Supplements and Medicare Advantage (vary per state) plans. But I recommend that you locate and talk with two or more knowledgeable insurance agents to complement what you get from other sources. If you don't know an agent or don't know where to go, you can google the Health Underwriters Association in your state, go to the club nearest you, and call the president or membership chair for that club. Tell them you need someone near your zip code who is knowledgeable about Medicare options, since many are not, and ask for two or more names.

With Medicare Supplement plans...Plan F is one of the most commonly chosen because it covers the excess charges above what Medicare covers...you should also consider adding a Part D Prescription plan.

Medicare Advantage plans are different, and actually replace Medicare, and may or may not include Part D coverage. Some states offer what are called Evercare plans which are designed for individuals with specific illnesses.

I work with such plans in NC, so please feel free to call or email me with any questions.

Dale NC, 67, IPF 7/08