How Much Do you pay Monthly for Dental & Medical?

[CaliforniaGal]

If you are comfortable answering, please do. Otherwise please pass it up. My hubby is going on Medicare in 3 months so I'm a bit curious. It's not letting me insert a poll. Bummer

 

[Naturally]

Welcome !!! Great first post on Senior Forums ... so what are you selling?

 

[Aunt Bea]

I pay my Medicare premiums of $202.90, deducted from my Social Security check and the the annual deductible and copays from my zero premium Medicare Advantage plan.

The total out of pocket for prescriptions is capped at $2,100.00 and the overall out of pocket for in network expenses is capped at
$ 8,900.00, out of network is capped at $11,300.00.

You really need to do your homework and check the specific circumstances of the plan that you are enrolled in.

Good luck.

 

[CaliforniaGal]

Hello Naturally and Aunt Bea. So nice to meet you both. I'm not selling anything. My husband is taking his Social Security and Medicare when he turns 65. He's healthy so he may wait an extra 3 months for the Medicare Part B. I'm aware of the late penalty.

 

[That Lady in PA]

I pay my Medicare premiums of $202.90, deducted from my Social Security check and the the annual deductible and copays from my zero premium Medicare Advantage plan.

Same here.
My zero premium MA includes dental appointments twice a year along with yearly eye exam and glasses

 

[MACKTEXAS]

It's a very direct question for a first post.

I'm assuming that you mean how much do we pay for insurance monthly for medical and dental, rather than our average out of pocket for those services.

The amounts to choose from on your list do not fit my situation. From my monthly Social Security benefit, $202.90 for Medicare Part B is deducted, but $90.00 is credited back to me from my Humana Advantage plan, resulting in a net monthly deduction from my SSA benefit of $112.90.

 

[CaliS]

Welcome

I responded between $200-$300 /mo

 

[CaliforniaGal]

It's a very direct question for a first post.

I'm assuming that you mean how much do we pay for insurance monthly for medical and dental, rather than our average out of pocket for those services.

The amounts to choose from on your list do not fit my situation. From my monthly Social Security benefit, $202.90 for Medicare Part B is deducted, but $90.00 is credited back to me from my Humana Advantage plan, resulting in a net monthly deduction from my SSA benefit of $112.90.

Sorry, yeah maybe it was too direct for a newbie. I meant the total cost for everything. That's a great price you pay! How do you get much of that refunded back to you? Must you take certain tests to stay healthy?

 

[PeppermintPatty]

We don’t pay anything for Dental. It’s paid fully for seniors in Canada. We also don’t pay anything for medical. It’s covered by our government. Our medicine is 20% - 80% is covered by our insurance plan. We get 80% off of chiropractor treatments. Same with physical therapy and massage therapy. Most holistic treatments are also 80% off for us.

 

[David777]

Whatever the Kaiser Permanente Medicare, Senior Advantage Plus Plan for retired seniors automatically monthly takes out with the rest an auto deposit benefit into my bank. It varies by location and overall SS benefit levels.

 

[MACKTEXAS]

Sorry, yeah maybe it was too direct for a newbie. I meant the total cost for everything. That's a great price you pay! How do you get much of that refunded back to you? Must you take certain tests to stay healthy?

I just looked at my budget and aside from insurance, I spent $1604.00 out of pocket for myhealth last year, but most of that is for one particular prescription plus $1200 for a partial (dental) not covered by my Advantage Plan (It does cover routine cleanings.)

It's called a "give back plan". They credit me $90/month and charge -0- premium. No, I don't have to take any tests to satisfy the plan. However, there is a $425 deductible per year for high end tests (but it only applies once a year). Otherwise, it's like any other Advantage plan. When I get $1080 back per year on my part B Medicare premium, it only makes sense to choose that plan and pay the deductible if that becomes necessary.

Edited to add:
Not all Advantage plans are offered for every zip code and many do not have a "give back plan."

 

[CaliforniaGal]

I just looked at my budget and aside from insurance, I spent $1604.00 out of pocket for myhealth last year, but most of that is for one particular prescription plus $1200 for a partial (dental) not covered by my Advantage Plan (It does cover routine cleanings.)

It's called a "give back plan". They credit me $90/month and charge -0- premium. No, I don't have to take any tests to satisfy the plan. However, there is a $425 deductible per year for high end tests (but it only applies once a year). Otherwise, it's like any other Advantage plan. When I get $1080 back per year on my part B Medicare premium, it only makes sense to choose that plan and pay the deductible if that becomes necessary.

Edited to add:
Not all Advantage plans are offered for every zip code and many do not have a "give back plan."

Great information, thank you. I'll look into the give back plans if they're even offered to us. Folks here seem to be doing quite well, not paying out too much so far. My retiree Indemnity Plan starts in 2 yrs when I turn 60. $100 for me, $150 for him. Covers about 60-65% of any service, test, X-ray, whatever the bill is. I understand they also give a cash discount of 10-20% since it's considered cash payment

 

[CaliforniaGal]

We don’t pay anything for Dental. It’s paid fully for seniors in Canada. We also don’t pay anything for medical. It’s covered by our government. Our medicine is 20% - 80% is covered by our insurance plan. We get 80% off of chiropractor treatments. Same with physical therapy and massage therapy. Most holistic treatments are also 80% off for us.

Fantastic!

 

[Teacher Terry]

I have regular Medicare with a supplement plan and part D plan for prescriptions. The total is 435/month.

 

[Knight]

I pay my Medicare premiums of $202.90, deducted from my Social Security check and the the annual deductible and copays from my zero premium Medicare Advantage plan.

The total out of pocket for prescriptions is capped at $2,100.00 and the overall out of pocket for in network expenses is capped at
$ 8,900.00, out of network is capped at $11,300.00.

You really need to do your homework and check the specific circumstances of the plan that you are enrolled in.

Good luck.

Same as you. Other advantage we have is my retirement plan included paying for a HSA. That means we have zero costs since any & all copays can be claimed.

 

[CaliforniaGal]

Again, thx for this information. At Medicare Website, mperial HMO has a buy back of $75 monthly, making the Premium $127 per month for the 1st year. $7200 or so Deductible There's also a $35 buy back with half that deductible if I recall. Both include a gym membership. That's not too bad. AARP sent us a packet only advertising for United Healthcare. Their lowest was Plan K for $70 a month for the first year+the usual Part B Premium. He's going to go without any insurance until my retiree health pkg kicks in. I just checked, it kicks in at my age of 59, in 2 yrs. The Part B penalty for signing up late had to be considered. Either way, I don't see ever signing up for Part B

 

[CaliforniaGal]

Same as you. Other advantage we have is my retirement plan included paying for a HSA. That means we have zero costs since any & all copays can be claimed.

If it's okay to ask, did they match your HSA? They did mine but I only made a little over min. wage so there's not much $ in it. Maybe $5k due to being invested in the S&P

 

[Knight]

If it's okay to ask, did they match your HSA? They did mine but I only made a little over min. wage so there's not much $ in it. Maybe $5k due to being invested in the S&P

When I retired the company I worked for paid for my health insurance until I was able to get Medicare health care coverage. Once covered by Medicare the amount that was paid for bc/bs shield coverage was put into the HSA. So 19 years X what the company was paying leaves us with more than we will ever use. The best part is that account will continue to cover my wife if I die 1st.

 

[Mitch86]

I am covered by Medicare since I am 90 years old. However, I have no coverage for dental problems. I'll simply have to pay for a dentist if I need one. However, I never eat sweets or meat and only eat TWO meals per day and brush my teeth thoroughly after each meal. I only have 2 cavities from my youth when I was 12 years old when engorging in Chocolate Eclairs.

I also have the Empire Plan Healthcare furnished by New York State since I used to work for a city in New York State. That plan pays everything not covered by Medicare.

 

[Nathan]

Whatever the Kaiser Permanente Medicare, Senior Advantage Plus Plan for retired seniors automatically monthly takes out with the rest an auto deposit benefit into my bank. It varies by location and overall SS benefit levels.

Medicare pays for my basic Kaiser-Permanente health coverage, and I pay an additional $16/mo. for the Senior Advantage Plus, which covers gym membership, dental, optometry, and hearing. I don't like any of Kaiser's Delta dental dentists on the list, so I pay out-of-pocket for my dental work. But I have a pile of accrued sick time that was rolled into an HRA plan when I retired, so I can submit claims for my out-of-pocket expenses. My hearing is 100% covered by the Veteran's Administration.