Caroline:
The Medicare SUPPLEMENTS are expensive. They pick up the 20% that Medicare doesn't. I pay $200+ for my wife's supplement.
OTOH - I have a Medicare ADVANTAGE plan - and I pay about $30 a month. It's an HMO, so I can't see every doctor that I want to see, or, perhaps, choose my hospital, but it covers practically EVERYTHING.
I was hospitalized for nearly a month in 2020. The hospital bill was more than $250,00 -- and I paid NOTHING.
You may have ignored the thousands of commercials for Medicare Advantage plans (the commercials, thankfully, ended on December 10), but these plans cover a hell of a lot, and aren't expensive.
You might still be able to get a plan. I'm not promoting ANY agent that sells this stuff (they marketed the hell out of it), but the one whose name I remember is Health Markets. You may give them a call or check them online. They may still find an affordable plan for you.
As far as self-testing, I haven't pushed my PCP or cardiologist to have Medicare get me a meter and strips. I DO NOT want to mess with a provider that charges my insurance for telling my doctor what my INR is (and charging obscene amounts).
I'm sort of waiting until the XS is replaced by one of the newer models and THEN I may ask for one.
For now, I continue to buy my supplies. I have my own meters.
But, please, check out the Medicare Advantage plans - you should probably go for the best, because they'll pay more of your expenses.
The Medicare SUPPLEMENTS are expensive. They pick up the 20% that Medicare doesn't. I pay $200+ for my wife's supplement.
OTOH - I have a Medicare ADVANTAGE plan - and I pay about $30 a month. It's an HMO, so I can't see every doctor that I want to see, or, perhaps, choose my hospital, but it covers practically EVERYTHING.
I was hospitalized for nearly a month in 2020. The hospital bill was more than $250,00 -- and I paid NOTHING.
You may have ignored the thousands of commercials for Medicare Advantage plans (the commercials, thankfully, ended on December 10), but these plans cover a hell of a lot, and aren't expensive.
You might still be able to get a plan. I'm not promoting ANY agent that sells this stuff (they marketed the hell out of it), but the one whose name I remember is Health Markets. You may give them a call or check them online. They may still find an affordable plan for you.
As far as self-testing, I haven't pushed my PCP or cardiologist to have Medicare get me a meter and strips. I DO NOT want to mess with a provider that charges my insurance for telling my doctor what my INR is (and charging obscene amounts).
I'm sort of waiting until the XS is replaced by one of the newer models and THEN I may ask for one.
For now, I continue to buy my supplies. I have my own meters.
But, please, check out the Medicare Advantage plans - you should probably go for the best, because they'll pay more of your expenses.