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Medicare supplemental coverage plan

 I am thinking about going with a F plan. Are all F plans no matter what company you choose are they the same .  I would appreciate any input. You can personal iMessage me. I do have a lot of  test done and doctors office calls. Take care God bless 



  • HI mike,

    Are you feeling any better?

    I looked up info on Medicare F.  Looks good and seems it's a very popular plan.  

    I don't think all insurance companies are the same.  I would try and do a google comparison on the insurance companies that offer the plan in your area.  Or try and search how people rate their treatment by various insurance companies.  Other than that, as usual, I have no clue.  Have you chosen a company yet?

  • MikethepikeMMikethepike MIchiganPosts: 617

     Hi Anita, yes I picked blue cross it’s $137 per month, then because I take quite a few prescriptions I picked A better prescription drug plan which costs $74 per month. As for how I am doing it’s getting harder to breathe My diaphragm and intercostal muscles are getting weaker.  Thanks for asking, you and your two sons are in my prayers most nights. Hope you’re doing OK and I hope the boys are doing OK. Take care and God bless 

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  • Well, this doesn't sound good for you.  Would a cpap help?  Are you on oxygen?  What are your doctors doing for the breathing problem?

  • MikethepikeMMikethepike MIchiganPosts: 617

     Well my oxygen levels are at 96% and when I  breathe deeper there at 100% but it’s still hard to breathe And is is very bothersome 

  • Night time breathing can be different from awake breathing-just saying.

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  • MikethepikeMMikethepike MIchiganPosts: 617

     Well I am off of my employer health care effective January 1, I am on Medicare and supplemental  Blue cross F plan. Also Blue Cross prescription drug plan which is the preferred plan. My employer plan was one of the best. Covered everything, $25 office calls  , Six dollars prescription cost. So we’ll see what the difference will be as we go forward. Are most people happy with their Medicare plans and prescription drug plans?   So now Medicare cost me $134 per month supplemental cost me 137 per month prescription drugs cost me $79 per month and dental cost me $37 per month  .    Plus the other out of pocket expenses.   It’s almost like paying a mortgage payment on a small house. 

  • Mike, I think you'll find you really like the plans you are on. I have the same except my part D is Humana. I haven't paid a dime out of pocket for numerous surgeries, years of PT, countless office calls and my prescriptions are $4-$12 each. I don't have dental coverage and that hurts but so far no major issues there. I had free dental for 31 years because I worked in a dental office so I figure it all levels out. 

  • I have AARP for my prescriptions and for the last three years it has paid fine.  Unfortunately the state i am in does not allow a person to buy a supplemental insurance policy to Medicare til you reach age 62.  I am still a few years away from that and it sucks!  I do feel fortunate to have insurance that covers the majority of what I need and covers 100% of my yearly testing such as mamogram, bone density, bloodwork,etc. 

    my Medicare part B costs me $129 and AARP prescription plan went down this year to $69!  AARP plan has a great formulary compared to some of the others.  I checked them extensively before making a choice.  They do cover  drugs others do not and their quantity limits on narcotics is very liberal.  

    Anyone else live in a state that doesn't allow Medicare supplements til age 62?


  • Cindy, just curious, are you on SSD because I couldn't get Medicare until age 65 and didn't know there were states that wouldn't let you buy supplemental until age 62! I only pay $25 for my Humana part D and it covers everything I need thus far anyway. 

  • joanne2, Yes I am on SSDI.  I should have mentioned that.


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