Reply to My IQ is around 130+ but Medicare decisions have me feeling like an idiot

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[quote=Anonymous]OP here--Thanks everyone so much for opinions and information!

It is my understanding that I can keep my work insurance (Anthem BCBS) and Medicare Plan A will be secondary until I retire, then Medicare A will be primary and I can switch to my work retiree insurance (also Anthem BCBS but called Advantage 65) supplemental plan for Plan B.  It appears I will have to pay about a total of $250 for this health insurance combo.

From my research and from opinions here it seems that a Medicare Advantage plan is not a good idea for me when I retire because I will likely be moving out of this area and I do not like the idea of an HMO.  I have several medical conditions that I would like to choose my doctors for.  Also it appears that if the premiums are $0 then the deductible is very high and possibly copays as well.

So I am learning what all of this means and making some preliminary decisions but I am kind of stunned at the complexity of it all, especially for people (like me) who are at an age where no matter how much mental capacity we might have, or did have, it is getting a little shaky now.  Seems like that would be a reason to simplify the process as much as possible, right?[/quote]

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