Her insurance pays 80% also, but with the deductibles and co-pays I'm wondering if it would just be better to switch off hers and go with Medicare plan as were both 65 and her insurance is about 400.00 a month.
Depending on your wife's policy, you may be required to sign up for Medicare and use hers as a secondary insurance. Or it could be that once you get on Medicare, she won't be able to cover you on her policy (happens a lot with employer provided insurance).
Also, some commercial insurances will not cover claims if Medicare has paid on them so check the terms of your wife's policy when it comes to that. Where it came in handy for me were prescription drug costs (my commercial policy has much better coverage and a much lower deductible than any Medicare part D plan available in my area) and care provided by those who are not participating providers in Medicare.
You don't give enough details to answer.
However, in general, when I'm speaking with clients who have access to group policies 75% of the time Medicare is a better and more cost effective option. However, by what information you gave doesn't give me enough to say whether you're in the 25% or the 75%. It normally takes me over an hour to make a determination for my clients.
Medicare applicants have been told for as long as I can remember that is is advisable to have second insurance, AARP offers many plans fo Medicare participants
that being said, if your wife covers you in her health plan it is probably as good a second coverage as you can get
are you the same one who just asked this…and still didnt add relevant details?
let your wife handle it–you dont understand these things
400 for both of you? if it is 400 for just you, i would consider just going with medicare…there area also medicare supplement plans you can look into…
you might not be able to sign up for medicare until next year, unless you just entered an enrollment period due to your age..
without knowing your medical conditions and typical expenses, it would be impossible to suggest a good medicare c plan for you (instead of A,, B, D).
NO I DID NOT NEED TO WAIT….YOU CAN ADD DETAILS BEFORE POSTING A QUESTION…AND SOMEONE JUST ASKED ALMOST THE EXACT SAME QUESTION SHORTLY BEFORE THIS ONE.
when you have 2 insurances, often the 2nd covers all copays..so it ends up covering 100%
you have to look at your average out of pocket expenses for the last year
Look into a Medicare Advantage plan
If wife has insurance – STAY with her's every time.
Once you legally 65 u MUST register for part A. Since wife is insured with u , u Do NOT need to register for other parts.
READ. SSA.gov website for actual info.
Are you asking about Medicare Advantage plans? You are limited to those in your county.
If you are over 65 and have signed up for Medicare, it will be your primary coverage. Any other policy will act as secondary.
JMITW you might of waited just a bit more so I could give relevant details!