MA or MS? Age 63....

Discussion in 'Senior Insurance Forum' started by GoPokes, Sep 12, 2017.

  1. FLM2
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    I hadn't checked the MA-only plans, thanks.

    With all of those health issues Rx coverage is absolutely needed and they would have be absolutely crazy to consider a PFFS plan with separate Part D.
     
  2. GoPokes
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    Thanks for the feedback guys. I found out he witll T65 next year in December, so he is just about 14 months away from a plan G.

    He is leaning towards medicare only and a PDP. Because the MAPD is so high. He goes to specialist once per month, and he happens to be out of network. Currently he pays $125 for an office visit to the specialist.

    Would it be crazy to suggest the MA only plan, and pay out of pocket for prescriptions? Prescription co-pays would be $60/month. Of course then he'd have a pdp penalty when going onto pdp at age 65. (the MA only plan does have a part B reduction of $35)

    Kind of a weird situation. I hate to see somebody not have any ceiling on the medical exposure.
     
  3. Fisher
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    T65 wipes the slate clean regarding the LEP. He gets a brand new do-over.
     
  4. Millwood
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    I refer all U-65 wanting a Plan A to Community Care . $165 ish a Month.

    Yes, Community Care has a Plan A Medicare Supp. in OK.

    Ask for Emma.
     
  5. Ronnie Carter
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    I was going to post the same thing but you beat me to it. It seems not many agents are aware of this fact.

    I had a client who had Medicare from age 55 who just recently turned 65, and had no Part D, and had racked up over 100% penalty. He had already decided he would never enroll in Part D unless he were prescribed expensive drugs. When I told him about the "forgiveness" he was entitled to at age 65, he was mad as a hornet because his previous agent had never told him about that. :biggrin:
     
  6. GoPokes
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    Welp. It looks like Mutual just lowered the rate on the Plan A supplements last week.

    Gonna use them. Plan A $131, and Silverscript.

    All that homework and ended up right where I started ha
     
  7. sman
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    At least you were thorough :yes:
     

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