Arranging Medicare, Supplements and Extras.

It was a long winter as I prepared enrollment in Medicare Parts A and B.  That hurdle must be jumped before the pursuit of a supplement or for some an advantage plan can be complete.  Along with that search the Medicare Part D policy is chosen.

For Medicare A, B and D, be aware the Social Security Administration does look at the income from two years previous.  One may receive a letter that they will owe an extra premium for Part B if over certain income.  A trip to the Social Security office with proof one is either now retired and/or has a reduction in income usually will suffice for an adjustment.  The new letter voiding the need for the extra premium arrives in about 14 days.  Most employees at the local Social Security offices are quite helpful in assisting with filing for this adjustment.

Medicare Supplements are quite the same except for a slight variation in price.  There are several plans they most companies feature.  I went with a plan F.  I chose an insurance provider that had carried my employer based insurance.  They also offered a Part D plan that was basic and affordable. Part D is the prescription drug plan. Those on quite a few medicines should talk with their local pharmacy about a plan that covers their menu of medications.  There is a lot of variation in the coverage from company to company with Part D.

Extras comprises plans for dental and vision coverage.  I am not sure if that is cost effective but I took one.   I will make a  different decision in the October open enrollment period if I am spending more on this than I would pay for dental, eye exam and contact lenses.  Some of these plans also offer a gym membership.  I found the gyms were not in close proximity to my home and the gym I did go to is not on the list.
I do recommend getting the materials and reading carefully the items covered.  Compare your own lifestyle to what needs you may have.  An example would be extended travel. Some policies have better coverage for out of area health needs  than others if traveling is  something you plan to do .
Those interested in a Medicare Advantage plan should search several sources.  These plans are all inclusive with the above type coverage.  Many times there is little to no premium but the coverage can be more restrictive.  Another source might be better for that information.