Thread: Medicare
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Old 06-30-2018, 10:47 PM
Mxfrank Mxfrank is offline
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Quote:
Originally Posted by cmac2012 View Post
Good call. For now seems best to just keep paying the govt. premium and co-pays, the supplement can come later.

As I said, there's no answer that fits everyone. But really, you need to get informed and think it through. The bullSh_t about Obama care may make you think that signing up immediately for the supplemental is some sort of socialism, that you can always wait and can never be refused for preexistings. But Medicare is an old insurance system that wasn't affected by the rules of O-care. It will become much more expensive and difficult to add a supplement as you get older and sicker, and unless you die, you will do both. The best time to sign up for a plan is when you initially sign up for Medicare, at which point your preexistings won't be prejudicial and your rates will be as low as they will ever be. After that you have to mind the rules and open enrollment periods to minimize penalties, but delaying will always be more costly.



If you check with your state insurance department, they may be able to direct you to counselors who can help you with this decision. You can also contact the Medicare Rights Center, a non-profit that helps seniors work through this problem. Please find the time to do the research, because a mistake made today will be with you for the rest of your life.
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