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Medicare-options? best average plan for my mother.?
how can choosing medicare coverage be simplified and what plan provides the best coverage for its cost?my mother is 65 and is in good health and not on any medications.
- ZarnevLv 71 decade agoFavorite Answer
How it can be simplified is to visit a local agent that deals with all the major plans. Medicare plans are county specific so you need someone knowledgeable in your county.
The Medicare Advantage plans have the best coverage for cost. Many plans have a $0 premium and includes Part D prescription coverage. You will need to compare co-pays and any premium to find the best plan. There is no one company that has the best plan for everyone in every situation.
Medicare supplement plans are standardized, that is, a plan F with one company will have the same benefits as a plan F with any other company. A 65 year old female can expect to pay an average of $150 per month with these plans. They do not include Part D so she'll need a separate stand-alone part D plan. Even if she is not on any medication it is a good idea to get a prescription plan. If she does not there will be a penalty when she finally signs up for one. Also, she will only be able to sign up for one from November 15 to December 31 each year. If she gets sick in February she'll have to wait nearly a year before getting a plan.Source(s): Independent Agent Certified Senior Advisor