Medicare Advantage vs Medigap/SupplementalWed, 09/09/2020 - 5:01PM
Hello everyone, my father received his LVAD approx 2 years ago. He qualified for SSI Disability and will finally be covered by Medicare next month. He is still under 65, so the prices for Supplemental and Medigap coverage are unregulated and ridiculously expensive. We don't qualify for a plan under AARP/United because he is under age. Between the Medicare Premium and Supplemental the cost is more than we were paying for insurance coverage through the ACA State Health Exchange. What plans do you find best to cover all of your needs? Plan C & D? I've seen a couple people mention Plan F? The language is very confusing to me.
Our next option is to get Medicare Advantage. What is everyone's experience with that? Are most of your routine care, labs, medical supplies, and prescriptions covered? How is your monthly premium and deductible. The SSDI is the only income he receives so we are on a fixed budget. Thank you all.