What's the most cost-effective way for a healthy 65-year-old to structure their Medicare coverage?
Answered by 17 licensed agents
Answered by David Koller on March 31, 2025
Broker Licensed in UT, ID & NV
Answered by William Lawler on April 7, 2025
Broker Licensed in MO, FL, IA & 12 other states
Here’s a common, cost-effective approach:
1. Original Medicare (Part A & B)
Part A is usually premium-free if you’ve worked enough
Part B has a standard monthly premium ($170.10 in 2024)
2. A High-Value Medigap Plan (Like Plan G)
Covers nearly all out-of-pocket costs except the Part B deductible
Predictable costs—usually a higher monthly premium but no surprise bills
Great for peace of mind against unexpected hospital or doctor costs
3. A Standalone Part D Prescription Drug Plan
Choose a plan with good coverage for your medications
Premiums vary, but you can shop annually for better deals
4. Skip Extras You Don’t Need Yet
Since you’re healthy, you may not need dental, vision, or hearing coverage right away
You can add these later if needed via standalone plans or Medicare Advantage
Why This Works:
You avoid high out-of-pocket costs with Medigap’s broad coverage
You keep monthly premiums manageable
You maintain freedom to see any doctor who accepts Medicare
You can tailor drug coverage to your needs and budget
Would you like help comparing Medigap and Part D plans available in your area to find the best value? Call us at Medicare4USA.com 214-989-7900
Answered by Steven Graves on July 1, 2025
Agent Licensed in TX
If you would like to get help with these steps, please send an email to me at [email protected] or text me at 321-346-9996. I would be happy to help.
Answered by Paul Potter on April 28, 2025
Broker Licensed in FL
Answered by Randall Taylor on April 7, 2025
Broker Licensed in TX, MI & WI
If you're willing to have cost sharing through deductibles, copays and coinsurance, and are willing to deal with network restrictions, Medicare Advantage plans can also offer a cost effective way to structure your Medicare.
What you need to realize is that if you start out with a Medicare Advantage plan and later down the line want to switch to a supplement plan years later, you'll be subject to medical underwriting, which puts you at risk of being declined for pre-existing conditions.
Answered by Justin Sonon on April 22, 2025
Broker Licensed in Pa, DE, FL & IL, MD, NJ & SC
Answered by Cassandra Mancuso on May 2, 2025
Agent Licensed in ME & NH
Answered by Kent Pike on May 16, 2025
Agent Licensed in NC, CA, FL & 6 other states
Answered by David Moore on April 10, 2025
Broker Licensed in IN, FL, MI, NC & OH
Answered by Steven Bleicher on May 30, 2025
Broker Licensed in AZ
Answered by Valentina Gatewood on April 8, 2025
Broker Licensed in CA, AZ, ID & NJ
Answered by Steve Brauer on April 16, 2025
Broker Licensed in AZ & CA
My professional opinion, get a Medicare advantage giveback plan to get the best of both worlds you get money back on your part B as well as in the event you need medical coverage you have that as well. Your out-of-pocket may be higher, but I always say cash is king.!
If you’re not using a broker, I recommend getting one. Our services are no cost to you, and we are able to look at your situation and recommend we are unbiased in regards to carrier selection..
Answered by Toni Chavez on June 22, 2025
Broker Licensed in AZ, CA, NM, NV & UT
Answered by Jaye Maxx Alexander II on May 19, 2025
Broker Licensed in NC, AK, AL & 47 other states
Questions to consider are: you are continuing to work, do I have credible coverage and how do I find out?, not retiring just yet, how can I delay enrollment?, Why do I have to complete this now?
It is best to talk to an insurance agent that can assist you in the steps so that you have the best options for you. Each situation is different and your situation would need a conversation with someone so that you can understand the process for you.
Answered by Tonya Mowan on June 16, 2025
Agent Licensed in AR, MO & OK
Answered by Nicolas Johnson on May 28, 2025
Agent Licensed in WI & IA
Answered by Brian Loquist on May 13, 2025
Agent Licensed in SC, GA, NC & SD
Tags: Advice for Seniors New To Medicare
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