Originally Posted by
Michael Weber
I opted for the so called Medigap or supplemental coverage. Cost was greater but what is covered is clear as opposed to Advantage plans. Claim payment on Advantage plans is determined by the insurance company. Too risky for me. Lots of horror stories out there. I investigated for months and while choosing medical coverage was not too confusing, drug coverage was. Because while you know what medication you currently take, what may be a required need next month is generally unknown and that drug may not be in the “formulary” of the chosen company or is in a different “Tier” of coverage. I have personal experience with that as well as in my wife’s coverage. Fortunately drug plans can change yearly and is something that needs to be researched every year as your drug needs change.