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Medicare, Medicare Advantage, and other options: How to choose what’s best for you

It’s that time of year for open enrollment (re: Medicare plans), so I thought this would be a good time to open up discussion on the topic.

I became eligible for SSDI/Medicare benefits in 2005. Over the years, I never took into consideration that there might be other options - but there were. So, in 2021, I switched over to a Medicare Advantage plan that continues to serve me quite well. Some people may also qualify for supplemental coverage too, but I do not. Medicaid is another option for some, but it’s very different from Medicare. A lot of people don’t always understand this.

What have your experiences been re: Medicare, Medicare advantage, or other health insurance plans - Any positive or negative commentary? Still unsure or have any questions?
Let’s discuss!

  1. Hi Everyone!!!
    I became eligible for Medicare in August 2021 when I reached my 25th month of receiving SSDI. At first, I hesitated for I was on a great insurance plan through my state's marketplace. After I did some research, I found out that it is mandatory for those collecting SSDI to go on Medicare when recipients collect their 25th monthly benefit. I had received communication approximately 3 months before my Medicare eligibility date and had to make a fast decision as to which Medicare to go with. At the time, Original Medicare, along with its separate drug plan and a supplemental plan to cover expenses that Original Medicare does not cover to be more expensive after adding all these parts together than my marketplace insurance ever was. Because of this, I had to go with a Medicare Advantage plan and have ever since. My current Medicare Advantage plan is an HMO one and having had many of this type of insurance plan through my employers when I was working, I know how to get around the limitations of doctor/imaging/blood work facility networks. Yes, a PPO is better for you often get better doctors with having a greater choice of doctors, etc.; however, it helps immensely to be a good medical group to begin with. I have been fortunate to be with great medical groups where the referrals to specialists have been good doctors as well as the imaging/blood work facilities within their network.

    1. We truly appreciate your input and experience.
      There certainly is a lot to consider. It sounds like you've done your research and you're in good hands.
      ~Doreen (Team Member)

  2. Help please, I became Medicare eligible in 12/2008. Should

    1. Hi, ! I think your comment got cut off, so please feel free to comment again.

      Best, Erin, Team Member.

  3. Yes - for those whose comments were accidentally cut off, please repost again! We want your input and questions!!!

    1. What was cut off?
      How would you know?

      Please read our rules before posting.