Plan G

It's the most comprehensive supplement available to new T65 folks. It's about the only thing I write for my clients who want a supplement plan. The only thing you're responsible for as long as Medicare covers it is your outpatient(doctors, tests, etc.) annual deductible which was $257 this year. There are no networks to worry about, so you can go to any doctor/facility anywhere in the country as long as they take Medicare. Keep in mind that the coverage on a Plan G regardless of the company that offers it is the same from company to company....only the price they charge is different. You'll also need a stand-alone part D drug plan with a supplement, and possibly a dental/vision/hearing plan if need be.

T65 is turning 65, the age when most start their Medicare A & B coverages. If you're going to work past 65 and hang on to employer coverage until you retire, you would just get part A started as you T65 since it's a no-cost-to you benefit that you've paid for through your work history taxes. You would then hold off on starting part B(outpatient coverage) until you get ready to retire and come off your employer coverage.