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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]We are in the process of starting full retirement. Silly me to think Medicare Part B is free.

Today I received a letter telling us that our monthly premium for medicare will be over $629 a month for both myself and my spouse (an annual expense of over $15,000). This is extremely hard to swallow because for the past 15 years of my husband's employment, we paid no premiums, and our coverage pretty much ensured no out of pocket expenses at all with no deductible.

We generally use out of network providers who do not take Medicare, so it is really infuriating that we have to pay this money for insurance we will rarely use. The regular premium for most people is $185, but we get slapped with an adjustment based on our income. I feel like we are paying everyone else's insurance premiums while we won't even be tapping into medicare providers.

We have supplemental insurance provided by my husband's previous employer which will cost us nothing and provides the same coverage as before. So we will be paying nothing for the insurance we use most. It is crazy.

I know, first world problems.

[/quote]

What is this employer-paid supplemental plan that requires you to be in Medicare, but that is accepted by physicians that are not in Medicare?  [/quote]

It's an Aetna plan. The employer requires that the retiree enroll in Medicare and use that is primary coverage. The Aetna plan kicks in the remaining outstanding balance of what Medicare doesn't cover, including all non Medicare providers and all out of network providers for the Aetna plan. Is this unusual?
[/quote]

It sounds like your “free” medical insurance requires you to pay for Medicare because the employer/Aetna wants you to have that coverage before their coverage kicks in. Not sure why you’re complaining about Medicare instead of the private plan. [/quote]

THIS exactly.  OP isn't nearly as special as she thinks she is.  [/quote]

You would think so if you met me.[/quote]

Nah.  I retired way earlier than your husband did, and our kids are much older than yours without old bags as parents.  And we have plenty of money.

A high school kid when you're in your 60s?  no thanks  [/quote]

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