[Fredslist] Medicare Part B

Susan Pickman susan.pickman at gmail.com
Fri Nov 2 18:36:08 EDT 2012


If you use an AARP/United Health program, what type of prescription drug coverages are available? 

Susan Pickman, Ph.D., CFE
Investigations/Fraud Examination 
Case Evaluation/Expert Witness
212-842-9676


On Nov 2, 2012, at 5:39 PM, Howard Lipset <lipset at progressivemanage.com> wrote:

> Christine
> 
> That is an impossible question to answer because each individual is different.
> 
> Cheaper premiums will have you paying more out of pocket but if you do not have a lot of medical expense, that could be the right plan for you.
> 
> For example, a Married couple on AARP Plan F will pay $460 per month but will not have any co-pays
> The same couple on AARP Plan N will pay $320 per month but will have to pay most co-pays.
> The difference of $160 per month for the couple with a maximum co-pay of $20 means EIGHT visits per month is the break even point.  Most couples are not going to the doctor 8 times per month.
> 
> It is the premium differential + the co-pays paid  that makes the decision more rational.
> 
> Then you need to decide if you want to pick your doctor or if you want the Plan to pick it.  Based upon what you can afford.  
> 
> And do not forget, different areas of the country might have different premiums for the same coverage.
> 
> Howard
> 
> On Fri, Nov 2, 2012 at 4:57 PM, Smith, Christine <Christine.Smith2 at td.com> wrote:
>> Does anyone have recommendations on what the best supplemental plan is under Medicare?
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> 
> 
> 
> -- 
> Howard Lipset
> Progressive Management Inc
> 18 Longwood Road
> Port Washington, NY 11050-1260
> ofc 516 883 2962
> fax 207 433 2771
>  
> 
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