Don't you just love getting invited to a party or being asked to join a group of like-minded friends in a new adventure?
Normally, I do but this is one invitation I wasn't quite ready to get......one dictated solely by my age. And it made me feel so old, because since I've hit that magic number -- 64.5 years of age --I've been invited by the Federal Government to begin the MEDICARE application process.
And what a process!! Let's face it -- the Government sends out your notice 6 months in advance, because it takes that long just to review the complicated maze of paperwork.
Parts A, B, C or D --- what do I really need?
It's like trying to figure out a jigsaw puzzle with my eyes closed! And I even have an advantage over other Boomers because as a retired Federal employee, I'm used to the terminology and their long-winded way of explaining a simple procedure. Still I get a headache just reading through the Government brochures and the numerous private supplemental policy offerings I've been receiving daily in the mail.
One thing I know for sure - though it's expensive, I'm keeping my Anthem-Blue Cross Federal Plan as my supplemental coverage as many of the nationally offerred plans just don't cover enough.
And please be wary of those "FREE" supplemental plans. That's right - FREE - no monthly charge, but just how good could that be? NOT MUCH!!
I found this out the hard way recently when my 87-year old mother was hospitalized. She'd been bragging for years about the free supplemental plan she had. Well, I never could get her to change plans and her recent hospital stay cost her over $2,000 when it probably would have cost her ZERO had she been paying for a better supplemental plan.
If you're on MEDICARE and have any tips to effortlessly get through the process, please share them.
Some helpful websites:
Medicare: http://www.medicare.gov/
AARP: http://www.aarphealthcare.com/understanding-health-products/medicare-supplement.html
