Georgiagranny
Well-known Member
I'm kind of confused about a Part D deductible. As I said, I'm with Kaiser; one of my brothers is with Humana. He also pays nothing for his supplement or for Part D.
In addition we both get a debit card from our supplemental insurance for healthy foods. Mine from Kaiser is $150/quarter; brother's is $90/month. He's low-income but I'm not, so thinking the difference is simply a difference between insurers.
What I can't understand is why so many people are paying for their supplemental insurance and paying for Part D. Are y'all in a very high income bracket or maybe have chosen coverage that has a premium? Is there a cost for the supplement and for Part D in different states or parts of the country?
My annual physical is free. Labs are free. Vaccines are free, including the new two-part shingles vaccine. A routine office call is $5, I think. The highest co-pay I've had in the past 10 years was $40, and that was for a specialist. The highest co-pay now is $25.
I pay $9/month for separate vision/dental/hearing coverage that does have deductibles, which I'm going to drop because the providers that Kaiser has contracted with provide p*ss poor service with high deductibles, and I can get glasses and go to the dentist for far less than what they charge after the insurance pays. $9/month is only $108/year, but it's my $108.
In addition we both get a debit card from our supplemental insurance for healthy foods. Mine from Kaiser is $150/quarter; brother's is $90/month. He's low-income but I'm not, so thinking the difference is simply a difference between insurers.
What I can't understand is why so many people are paying for their supplemental insurance and paying for Part D. Are y'all in a very high income bracket or maybe have chosen coverage that has a premium? Is there a cost for the supplement and for Part D in different states or parts of the country?
My annual physical is free. Labs are free. Vaccines are free, including the new two-part shingles vaccine. A routine office call is $5, I think. The highest co-pay I've had in the past 10 years was $40, and that was for a specialist. The highest co-pay now is $25.
I pay $9/month for separate vision/dental/hearing coverage that does have deductibles, which I'm going to drop because the providers that Kaiser has contracted with provide p*ss poor service with high deductibles, and I can get glasses and go to the dentist for far less than what they charge after the insurance pays. $9/month is only $108/year, but it's my $108.