Hey Jim, I don't know Part B, D or supplement. But I'm curious about the ratio of your premium cost vs prescription cost of what ever Part that is. I've been happy with a high deductible because when I changed from a $2,500 deductible to $10,000 deductible my premium dropped from $9,900 to $4,500. Since Obamacare my policy has increased considerably even though I'm still using a grandfathered policy. My big concern is being covered for a catastrophic costs, not office visits.
Mikek
It's complex...
With my coverage I essentially have NO co-pays or deductibles _except_ prescriptions.
For example, my hip-joint replacement 8 years ago was listed at "retail" as ~$61K... I paid nothing, except for the co-pay for a walker (considered a prescription). (BTW, medications _in-hospital_ are covered 100%.)
On prescriptions, my wife's major medication (Opana ER 20mg) monthly co-pay was ~$8 until the "donut hole" (and I don't pretend to know quite how the "donut hole" is calculated).
Into the donut hole that co-pay jumped to $248 :-( ...Jim Thompson
What's the full retail price? I've had cases where it was cheaper to get a prescription at the (discounted) "retail" price from Wallmart or Kroger than my insurance copay.
The donut hole never made sense but it's government so it's not supposed to make any sense. Peons aren't supposed to understand.
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