Going Insurance Shopping
By Susan
@HazySue (39264)
Gouverneur, New York
November 16, 2018 8:42am CST
This afternoon we are going insurance shopping. We both have Medicare and are looking for a low cost or no cost secondary insurance.
We are tired of so much money going out for insurance and are ready for some help. For instance - out of my check comes the medicare payment ($104 per month), the secondary insurance ($203 per month)plus prescription insurance ($67 per month). I am not happy about $307 a month coming out of my little medicare check.
So we have an appointment this afternoon to see what we can do about it. It's sad when a couple ends up having $614 a month taken out of their check. Hopefully they will be able to help us some this afternoon.
It's a shame when you work all of your life and end up having little of nothing to pay your bills during the "Golden Years" of your life.
Is anyone else having this problem? I am pretty sure there are many out there in this same situation.
I'll let you know what happens.
8 people like this
8 responses
@BelleStarr (61047)
• United States
16 Nov 18
I hope you opt for an Advantage Program. We have United Healthcare Advantage and it cost $26 a month and includes prescriptions.
3 people like this
@BelleStarr (61047)
• United States
17 Nov 18
@HazySue Yes $3 for some and the max is my husband's Mybetrik which cost $45. You would need to check the formulary for the particular insurance to see what they will cover and for how much. Office visits are $15 and specialists $40. plus we get $500 worth of dental care. Also Silver Sneakers, a lot of coverage for $26 a month.
1 person likes this
@HazySue (39264)
• Gouverneur, New York
17 Nov 18
@BelleStarr they didn't mention this one but I think I will check it out anyway. Thanks.
1 person likes this
@just4him (306237)
• Green Bay, Wisconsin
17 Nov 18
I'm on Medicare and have stuck with regular Medicare as the best option. I don't want an advantage plan. When you talk to the insurance person, be certain you get the complete picture from both sides of Medicare. Know your options, and good luck getting a lower price.
2 people like this
@just4him (306237)
• Green Bay, Wisconsin
23 Nov 18
@HazySue You need a supplement when you're on Medicare. I hope you found a reasonable one. One thing I did before I went on Medicare was to talk with the people at the Senior Center here. They have a program where you can see all the plans and choose the one that's best for you. The one I have is with United Health and has a very low deductible and I'm on regular Medicare, not the advantage program.
1 person likes this
@Marilynda1225 (79731)
• United States
16 Nov 18
I'm definitely curious to see how you make out and hopefully you can lessen your payments and get better coverage. It's crazy how much we have to pay isn't it
2 people like this
@Marilynda1225 (79731)
• United States
17 Nov 18
@HazySue it's all such a hassle isn't it.
1 person likes this
@HazySue (39264)
• Gouverneur, New York
18 Nov 18
@Marilynda1225 I don't know why they make it so hard.
@m_audrey6788 (58485)
• Germany
16 Nov 18
Yes but me and my husband working on it as preparation for our Golden years too 
1 person likes this
@FourWalls (62147)
• United States
16 Nov 18
My sympathies. After looking for homeowners insurance and car insurance, I think buying a car isn't as stressful or as scam-laden. And health insurance? You can change that once a year....but if they want to change the rules in the middle of the year, they'll do it and poo on you.
2 people like this
