OneEyedDiva
SF VIP
- Location
- New Jersey
The State of N.J. threw me a curve ball. I have Aetna Open Access Medicare, which I love, but now the state retiree health benefits program is offering an Aetna Medicare PPO which is supposed to be better. One main difference is that I can visit out of network doctors as long as they take Medicare and I'd pay the same co-pay as in network doctors ($10). Another is that should I need a chiropractor and/or acupuncture, those are covered It touts lower premiums but I don't think that applies to us who have the basic premium taken out of our social security.
I got some questions answered during a conference call regarding the new plan about a month ago but will call and speak one on one with a state representative to clarify some things. One caveat may turn out to be the difference in what I'd pay for prescription drugs, as stated in the booklet explaining RX prices may be affected by a difference in plans. Thing is the RX company can't tell the difference costs until January 2020. The good thing is I can switch anytime (even after Medicare's deadline) but I'd have to keep the new plan for 12 months, satisfied or not.
I got some questions answered during a conference call regarding the new plan about a month ago but will call and speak one on one with a state representative to clarify some things. One caveat may turn out to be the difference in what I'd pay for prescription drugs, as stated in the booklet explaining RX prices may be affected by a difference in plans. Thing is the RX company can't tell the difference costs until January 2020. The good thing is I can switch anytime (even after Medicare's deadline) but I'd have to keep the new plan for 12 months, satisfied or not.