costs me nothing above my Medicare premium, includes drug coverage, although I only take one prescription medication, a diuretic. My copay on that has dropped from $10 with my old employer-based plan, to $4 now. And I'll have no copay if I'm willing to get a three month supply by mail instead.
But everyone does need to read all the different plans available to them very carefully. What is right for each person can vary enormously.
Oh. And my Advantage plan I have no copay for regular office visit, and only $30 for a specialist. The doctor I already had was in their plan. I would have to once again read all the fine print in my plan to see if physical therapy would be covered, but I suspect it probably does, with some sort of limits.
My plan does have a network, and since my needs are so very low, it's more than adequate for me. For everyone, no matter what kind of supplement or Advantage play they get, it's important to know that if you're away from home and some emergency comes up, any place that accepts Medicare will treat you.
I did spend time on the phone with the company I chose to go with for my Advantage plan
I can tell you that when I was most recently getting my prescription filled, another woman at the same pharmacy clearly had no clue about Medicare Part A and Part B and her need to get prescription coverage in some form. She seemed to think that Medicare was going to automatically cover everything. As you know it doesn't, and how you get additional stuff, like prescriptions, covered, can be complicated to figure out.
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