In GA you cannot get medigap until you are 65 but you can get part D drug plan. The GA state "approved drug plan" is Community Care RX,which is what I have and the state picks up the tab-- about 45 bucks a month. I have straight medicare and you should find that participating docs will write off the excess they normally charge and you will pay less than if you have a MAP Plan, because you aren't paying the monthly premiums. I can't be on one becase of Mayo, who hates them and won't take any of them. Almost no one in Florida will take them. If you qualify,you can get medicaid as well as medicare, you can apply through medicare 800 number. I get th max amount of social security and am 60 bucks too high to get it, so the limit is high. Then medicaid pays for what medicare doesn't, it is secondary to medicare.
IF you go to Emory, they may be able to tell you what a consult with your doc would be on straight medicare. Medicaid is nice because it includes all the things that should be in medicare, like free transportation to the doctors if you cannot get there, and some additional things. It also helps with the drugs and copays. You should pay nothing, as long as the docs take both. GA, unlike most states, seems to be really medicare/medicaid friendly and we havemuch better access to better quality of care than in most other states. I have really good docs and all of them take both medicaid and medicare and adjust their rates and are real reasonable.
In FL, like many other states, very few good docs take medicare andmedicaid, with the exception of Jacksonville area and the Universities. It really depends where you go. For me, my Humana PPO would be 200 bucks a month, I would have a 15 buck copay to my family doc, 30 to a specialist. When I went off Humana, I was so mad because so far all my docs have only charged me 17 bucks for each appt. My copays on other stuff is the same as on Humana as well. The insurance company has to make its money somehow. Mayo said they don't take them because they can't get payment from them, and they feel they take advantage of people.
Medigap would be great. Just can't get it yet.
Ills--Sjogrens-Lupus cond., AI polygland. dysfunction 2, hyper/hypopigment, scoliosis,kyphosis,stenosis, deg.,O.A.,spine surgeries, salivary/lymphectomies, NASH, COPD, RLS, UT/GI bleeds, hystero, brain/nerve damage,TB
Meds--INH,Plaquenil, Evoxac, Metformin, Synthroid, HCTZ, HRT and Lidocaine patchs, Voltaren gel, Klonopin, Vicodin, Restasis, Albuterol, steroids