Use the VA for prescriptions and medical use. I would similar to to know what is the best for me as I turn 65 11/29?
Answer:
Most of the plans are county specific, you want to contact a local independent agent that deal with senior plans to find the best one for your situation surrounded by your county. Unless you are very off-colour the Medicare Advantage plans would probably be best. If you go into the hospital several times a year and to the doctor several times per month you'll want a Medicare Supplement instead.
You will not involve the Part D prescription drug coverage, although it may be helpful. I own many clients that travel several months during the year so they similar to the convenience of a separate Part D plan if they are in an nouns without the VA contiguous. Many of the Medicare Advantage plans come with Part D, none of the Medicare Supplements do.
Medicare Advantage plan premiums average around $35 per month but you own small co-pays ($10 or $15 with most plans) when you step to the doctor. Medicare Supplements average around $150 per month but there are no co-pays. With both types you don't own to pay the Medicare deductible of $992 for bit A and $131 for Part B.
Good answer by Zarnev.
Here's my take on the issue.
VA will cover for your prescription. At $7 per generic prescription, it is terribly cheap. However, you have to maintain in mind that various of the medication are generic only, and if you entail some branded medication, co-pay may be higher or full price.
Medicare, approaching Zarnev said, will cover for much of your medical services. VA will do so as well, but you are probably better bad with Medicare, so you enjoy the freedome of seeing almost any physician anywhere. Going with simply Medicare alone, however, is not a great choice. Part A will cover for your hospital bill and Part B will cover for your physician, minus the copay and 20% of all bills, both of which can be expensive. You will want something else to cover for that gap.
My personal intuition is that Medicare Advantage program is cheaper, but some has much more bureaucracy than others. If you sign on Medicare HMO plan, that is a horrible hussel that would parameter you to certain physicians contained by the network. It is unsophisticatedly free but not a great choice - too much restriction for you and too much paperwork for your doctors - and I always said, you are trading your freedom to reclaim money. If you join Medicare PPO, you will conclude up with small monthly premium approaching Zarnev said, but you will have more freedom.
The most expensive plan is to enjoy Medicare Part A/B with Medicare Supplement Plan, such as AARP/UnitedHealthcare, or other insurances. They are much more expensive, but they give you the most freedom as well as moral drug coverage - especially for those branded medication not covered by VA. If you can afford $100-150 per month for Supplement Plan, this will give you much freedom, especially if you estimate you will need to use a pious amount of medical services or medication.