My Dad has Medicare and a secondary policy. He pays 300.00 a month for that policy and it covers the deductibles from Medicare part A and B. My only advice is try and find a plan that covers skilled nursing. My father just went into the hospital and was transferred to a skilled nursing facility to hopefully get him strong enough to go home. I thought he had a good supplemental plan until I found out that after 20 days of Skilled nursing care you have to pay 137.00 a day under Medicare and I thought no problem he has supplemental insurance. Wrong they won't pay anything. Sadly, my Dad is not doing well and will be going into Hospice. Medicare will pay for hospice care but not room and board so we will have to pay the nursing home ourselves. That can run anywhere from 155.00 a day to 255.00 a day if you want a private room. Scary! |