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Sandra is 65 and her Original Medicare became effective last week on August 1st. She was paying $350 a month under her employer group coverage, which ended last month. Sandra is almost all set for a life of travel and leisure.

What type of additional coverage would you recommend for her?
Which plan(s) would you enroll her in?

1 Answer

1 vote

Final answer:

Sandra should consider a Medicare Advantage Plan, which includes Part A, B, and D, for extensive coverage and might also benefit from Medicare Supplement Insurance (Medigap) to cover additional out-of-pocket expenses.

Step-by-step explanation:

Considering Sandra is now enrolled in Original Medicare, she should consider additional coverage to fill in the gaps that are not covered by Medicare Part A and Part B. The Medicare Advantage Plan (Part C) is a good choice because it combines Part A, Part B, and typically includes Part D (prescription drug coverage) as well. This plan is offered through private companies and funded through the Hospital Insurance and Supplementary Medical Insurance trust funds, totaling to significant federal spending to ensure seniors have comprehensive health care coverage. Sandra should also look into Medicare Supplement Insurance (Medigap), which can help cover additional costs such as deductibles, co-payments, and coinsurance that Original Medicare doesn't cover. Medigap policies are sold by private companies and can make her medical costs more predictable, particularly beneficial for someone who plans to travel.

User Saurabh Shukla
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