Is Original Medicare the Best Health Insurance Plan for You?

Part B is for medical coverage and is optional, but buying it will save you quite a bit of money.

The premium for 2018 can cost you upwards of 4 per month depending on your financial situation and geographic location. In addition, you’ll have to pay a 3 deductible plus 20% of all Part B charges which include but are not limited to

  • visits with your doctor,
  • physical and occupational therapy costs,
  • laboratory tests and
  • durable medical equipment.

To give you an idea about savings, note that in 2017 I visited my family doctor 11 times, had lab work done 6 times, saw specialists 24 times.

Had I paid out of pocket, these things easily would have cost me ,000. Instead I only paid 80 including premiums, deductibles and copayments. Thus, buying Part B saved me 20!

Those with good health, of course, will incur fewer charges, but it’s still a good deal because you never know when you’re going to need health insurance and doing without can be very financially risky.

I know a woman who opted to avoid Part B. She got hit by a car and ran up bills into the millions of dollars.

Her Part A coverage helped significantly, but she’ll be paying medical bills for the rest of her life. This certainly is a lesson worth remembering!

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Is Original Medicare the Best Health Insurance Plan for You

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