All the years we worked we had good medical insurance which was a lifesaver for us. Now we're older and Medicare B, a supplement and Medicare D takes a big chunk of our retirement. The premiums increase every year and the services decrease. We're thinking of switching to a Medicare Advantage plan and hopefully saving a couple thousand dollars a year. Balance the co-pays & cap against what we are paying monthly now. Spent a couple of hours with a rep last night.
Surprise, surprise. If I have to go on dialysis next year it will only take a couple of months to reach our out-of-pocket cap. If my husband needs chemo that's a big deductible. This is a major decision for us - weigh what we have against a maybe savings - and possibly not be able to get back what we have if needed. Obviously we've over 65, I can't imagine being faced with medical bills like this and not having good insurance, which so many working people don't have today. Even now, we could easily eat up our saving with co-pays and the extras....and getting a part-time job isn't a good option. I've always said I could scrub toilets to pay the bills if I had to but not sure I could even get a job doing that now :) I feel guilty that I bought a new pair of riding boots this week, even though they were on sale and I needed them. I feel like I should be saving every penny for medical purposes. The fees charged are astronomical, I can see how easily unexpected illness can wipe out everything a family has worked for. I have health directives since I want quality over quantity but I've raised my family and lived a few years. What a terrible thing for a young family to face.
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