I became 65 3 weeks ago and was automatically enrolled in Medicare A+B. (Still also enrolled in a Kaiser Permanente group plan that I have yet to cancel and that I had for good 10 years) I'm in LA, California.
My wife, a bit above 65 also enrolled now that I 'retired' to Medicare A+B.
So we're looking at (mostly) Medigap. The Kaiser Permanente solution wasn't bad - after some heavy doctor switching - but was a bit annoying over times - like: it takes forever to get an appointment with my primary care doctor! 2 months and more!
On to Medigap. Both me and my wife are 'healthy', we do not take any kind of medicine if we can help it. My wife's issue is that she I gluten allergic - handled by not eating gluten. I had a minor stroke 2 years ago while traveling in South America (totally free health care there btw) at which time I was also diagnosed diabetic 2.
Being on a strict low carb diet I've lowered my blood sugar levels to 'officially non-diabetic' levels. Alas no medicines taken.
Now looking specifically at Medigap plan G and maybe N? And also for a Plan D - drug plan.
Like so it seems the whole finding a plan issue really is complicated especially for the newbies!
Plan G because even though we're healthy experience tells this might not go on forever ;-)
Same with Plan D - even though we live and eat very healthy - nobody knows what's coming.
I'd prefer a plan where there's as little as possible deductibles - like having a fixed amount of premiums and no emergency expenditures.
My question now is: is there anything we are not thinking about - anybody out there recommending something different?
Also, bei ng new to all that - how does one actually enroll in Medigap... call somebody?
Thank you in advance for your replies. Even though I read through many many threads on this forum I know I still don't know enough
My wife, a bit above 65 also enrolled now that I 'retired' to Medicare A+B.
So we're looking at (mostly) Medigap. The Kaiser Permanente solution wasn't bad - after some heavy doctor switching - but was a bit annoying over times - like: it takes forever to get an appointment with my primary care doctor! 2 months and more!
On to Medigap. Both me and my wife are 'healthy', we do not take any kind of medicine if we can help it. My wife's issue is that she I gluten allergic - handled by not eating gluten. I had a minor stroke 2 years ago while traveling in South America (totally free health care there btw) at which time I was also diagnosed diabetic 2.
Being on a strict low carb diet I've lowered my blood sugar levels to 'officially non-diabetic' levels. Alas no medicines taken.
Now looking specifically at Medigap plan G and maybe N? And also for a Plan D - drug plan.
Like so it seems the whole finding a plan issue really is complicated especially for the newbies!
Plan G because even though we're healthy experience tells this might not go on forever ;-)
Same with Plan D - even though we live and eat very healthy - nobody knows what's coming.
I'd prefer a plan where there's as little as possible deductibles - like having a fixed amount of premiums and no emergency expenditures.
My question now is: is there anything we are not thinking about - anybody out there recommending something different?
Also, bei ng new to all that - how does one actually enroll in Medigap... call somebody?
Thank you in advance for your replies. Even though I read through many many threads on this forum I know I still don't know enough