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sonoma sonoma is offline
 
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Amiga or other kaiser people
Old 12-12-2018, 12:07 PM
 
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I have been with kaiser forever and planned to stay when I switch to Medicare next spring.

I received a letter from my school district today reminding me that they no longer pay my coverage once I turn 65 in April.

The letter stated that if I chose to move to kaiser senior advantage it would cost $240 per month in addition to paying Medicare part b.

I knew I would have to pay something but I had no idea it would be this much.

I love my doctors. Donít want to switch. But other insurance companies are so much less


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ConnieWI ConnieWI is offline
 
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Medicare
Old 12-12-2018, 12:27 PM
 
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Once you begin Medicare, the cost for Part A will automatically be deducted from your Social Security check. You'll never know you are paying for it.

You don't need to have an advantage program, which (I believe) is Medicare, Part C. Part C probably includes eye, drug, and maybe dental insurance. You will need to check on this. There are some other disadvantages to having a Part C policy. Check the Medicare website for find out the differences between having a Part B/Part D or Part C policy.

I think you need to check other insurance carriers. Contact an independent insurance agent to get some quotes. Almost all doctors and hospitals take Medicare supplement insurance, so you will not need to change any of your doctors. Check with your present doctors to see what kind of Medicare supplement insurance they accept. Then you can take along this list when you meet with an independent agent.

I have a Medicare Part B supplement, Part D drug policy, and dental. The cost is about $150 per month for Part B, $25 per month for Part D, and $50 per month for dental. I have it all automatically deducted from my checking account and then do not need to worry about being late with my payments.
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Old 12-12-2018, 12:50 PM
 
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Once you begin Medicare, the cost for Part A will automatically be deducted from your Social Security check.
Are you CalSTRS? If yes, the above advice doesn’t apply to you since you don’t get SS. I pay my Medicare monthly by autodeduct. You receive an amount to pay based on your income. DH and I were paying very close to $100 each per month. When he passed away, Medicare looked at my single income and decided I could afford $301.50 as my monthly premium. I don’t know how to argue.

Now, about Kaiser Senior Advantage....different areas in the state vary, but $240 sounds high. Are you sure? In Contra Costa Kaiser Senior Advantage was $94 per person per month on top of Medicare. Here in San Diego, Kaiser Senior Advantage is $0. Call your Kaiser Senior Advantage—they’re very helpful.

I had Kaiser before Medicare. I love Kaiser.

ETA: I’m not very good at understanding all this, so if I didn’t answer your question, I’ll be happy to try again.

Last edited by amiga13; 12-12-2018 at 02:22 PM.. Reason: Apology
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Medicare supplement
Old 12-12-2018, 03:58 PM
 
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I do not have Medicare as I am not old enough. I have cobra from dhís job before retirement. I pay plenty! My dh, however, has Medicare plus a blue cross supplement. His costs $17.00 per month. He pays his Medicare quarterly as we have been waiting to apply for ss to let it grow. Granted, he has almost no health issues but anything we needed this year was covered. We may have slightly higher copays but his one medication is a dollar per month. We can move up to a higher level plan later if needed. We love blue cross!
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KP Senior Advantage
Old 12-12-2018, 04:18 PM
 
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I don't know how much it would be in your area, but if you get an individual plan in San Diego, your monthly premium is $0, and no annual deductible. You pay $25 for primary and $30 for specialist doctor office visits. Emergency room: $90, Urgent care $25. Inpatient hospitalization is $285/day for 1-7 days. And so on. Annual maximum out-of-pocket is $4,900.

https://medicare.kaiserpermanente.or...scal/san-diego

Find out what the benefits would be for paying $240/month. No deductibles?


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Old 12-13-2018, 07:57 AM
 
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Yes I am CALSTRS so I already know about no ss - stinks though because I have 20 years of summer jobs that I won't get.

I can't believe all the different prices I am getting! Going to a Kaiser seminar after Christmas so I can ask questions in person.
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Kaiser
Old 12-13-2018, 09:30 AM
 
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Going to a Kaiser seminar after Christmas so I can ask questions in person.
Please keep us updated.
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Old 12-13-2018, 09:50 AM
 
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I can't believe all the different prices I am getting!
I really donít understand this, sonoma. I recall leafing through the Kaiser info book and it listed the varying costs for many areas of California. I was still in NorCal at the time and remember being surprised other areas were cheaper.
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TchrFvr TchrFvr is offline
 
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Old 12-19-2018, 07:50 PM
 
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Here's a website that has some information on Kaiser Advantage plans for Sonoma County...
https://medicare.kaiserpermanente.or...ns/ncal/sonoma
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