Jerry - at your young age, the options seem to be what you outline, or trying to get covered under disability due to Pca.
Mel, by far for G9 like me, the best Medicare supplement is a Plan F or a Plan N that pays all copays and deductibles of the very expensive treatments in our present and future, in exchange for a higher monthly premium that is predictable and constant.
You still have to separately purchase a Plan D for prescript
ion drugs. Lupron is doctor/nurse administered and covered under medicare/Plan F but Zytiga is a pill and covered or not covered as case may be by Plan D.
Since we are on fixed income, there is a foundation that pays for my Zytiga since our combined income monthly checks from Social Security and pensions is less than their $60,000 threashold. The foundation does not factor in our total assets just our cash flow.
I was lucky (as opposed to planned well) to qualify as I had made a fairly sizeable withdrawal before 12-31-2012, for additional living expenses, but had no unusual withdrawals in 2013, and made additional withdrawals in 2014 and 2015 as we cannot live on $60,000 without severly adjusting our lifestyle. So on my 2013 tax return all that showed as income was my social security and pension monthly income, not any withdrawals.
If not for the foundation Zytiga is about
$8,000 per month which would quickly put you into the so called donut hole where for a period of time you are covered and then you pay 100% until a second treashold is reached pretty quickly and quite expensively at 8K per month.
The donut hole exposure lessens each year until about
year 2020 when it entirely goes away as part of recent health legislation the past few years.
Medicare has a helpful sitewww.medicare.gov/part-d/
where you select Drug Coverage (part D) from the top navigation panel and input your zip code, your two favorite pharmacies and your drugs. The site tells you which Plan D plan is best in your situation.
66 - DX 64 2/13 PSA 3.68 (6 mo doubling) Gleason 9 (4+5)
T1CN0M1B stage IV w. 7 of 12 cores worst ones 70% right PNI
oligometastatic at Dx 5 tumors 1 right sacro, 2 on
T4 & T9, none visible on 5-21-14 whole bodyscan
1st Lupron 4 month 3-28-13,
PSA down was 3.68, Zytiga June 2014
PSA < 0.01, T < 6 on 10/14,
Prostate shrunk from 50.4 to 15.0
Provenge in Sept & SBRT Radiation in Oct
Post Edited (LupronJim) : 1/13/2015 9:42:40 AM (GMT-7)