I hate this waiting thing. I could do a managed medicare program but I need to know if Dr. Body participates and if the whole thing is a good idea; those can be huge rip-offs at times. I know a lot about it but not what to do. So I guess I do the easiest to understand way this year and change next if necessary.
I wish there were ways to know what exactly co-pays will be with Medicare rates. Going on Medicare is really hard without knowing that because I can't plan ahead. I have no idea if I'll get any assistance from Cleveland Clinic if I have a huge bill (surgery) as I'll be applying for assistance as an exemption instead of just qualifying as I do now.
I got my paperwork for medicare a month ago but haven't been brave enough to search for plans until today. I didn't thoroughly look and I avoided the drug plans but I did find out that I can't get a Medigap policy. That means that all co-pays come directly from me. I had hoped to pay for the Medigap to reduce my costs a bit since I have to pay 20% of everything that isn't inpatient and inpatient has high costs too. Ohio is behind in requiring Medigap for disabled people and while I know it is possible it isn't possible in this county.This is going to make some decisions for me. I need to have ankle surgery and I need to do it before too much more time passes as my ankle is turning in more and more and my achilles is getting tight. As I understand this surgery it requires quite a bit of physical therapy. I am going to be better off to be on home health to get that than to go to outpatient. Which is probably fine; I probably will be homebound then anyway more or less and it pays 100%. But I just never thought that this would be something I'd need.