QRTRHRS
Elite Member
My wife and I have the "F" plan through Bankers Fidelity. She is four year older than I am. Hers runs 420, mine 220. We used to have our part D through Silverscript. I first changed only hers to Anthem Mediblue Rx Plus then the following year I kept hers on the Anthem plan but changed mine to Humana Value Rx.
She is on Eloquis and come about Nov of last year, we ended up getting samples from our cardiologist to get to Jan 1st due to the cost.
For 2025 my Humana plan goes from 39.10 down to 30.30. Her Anthem plan goes from 94.70 down to 87.10. I just started trying to discipher the changes.
For dental, I am fortunate to have UK's school of dentistry where as my wife is on an in-house plan though her dentist which is doable cost wise. Better than through any plans.
We log every trip to our doctor's. I think it was .22/mile that we could deduct on our federal taxes. Between our plan costs, etc., we can reach the deductable.
We both mostly see the same doctor's so it makes little sense for me to use the VA for other than my hearing aids or I would go there. That and it's a 75 mile one way trip.
One thing that I suggest is to follow your covered costs. Make sure that when you have a procedure, that you present your plans and that they are noted.
I had a hospital come back two years after my wife had surgery claiming that we had no secondary policy. My wife is hearing impaired and does not use a phone. (Caption Call does not work here, our phone line is too noisey) So, they would not talk to me. Twice, they never got my hppa form? Turned out they submitted improper forms to our secondary. Not sure why but after I sent my info to Medicare, I never heard from the hospital again?
I always go over our Medicare statements but not always the secondary. I do now. Also, I did report to Medicare at least three times that Covid tests kits were on our statements that we did not order nor receive. So watch for incorrect charges which effect everyone tax wise however trivial.
She is on Eloquis and come about Nov of last year, we ended up getting samples from our cardiologist to get to Jan 1st due to the cost.
For 2025 my Humana plan goes from 39.10 down to 30.30. Her Anthem plan goes from 94.70 down to 87.10. I just started trying to discipher the changes.
For dental, I am fortunate to have UK's school of dentistry where as my wife is on an in-house plan though her dentist which is doable cost wise. Better than through any plans.
We log every trip to our doctor's. I think it was .22/mile that we could deduct on our federal taxes. Between our plan costs, etc., we can reach the deductable.
We both mostly see the same doctor's so it makes little sense for me to use the VA for other than my hearing aids or I would go there. That and it's a 75 mile one way trip.
One thing that I suggest is to follow your covered costs. Make sure that when you have a procedure, that you present your plans and that they are noted.
I had a hospital come back two years after my wife had surgery claiming that we had no secondary policy. My wife is hearing impaired and does not use a phone. (Caption Call does not work here, our phone line is too noisey) So, they would not talk to me. Twice, they never got my hppa form? Turned out they submitted improper forms to our secondary. Not sure why but after I sent my info to Medicare, I never heard from the hospital again?
I always go over our Medicare statements but not always the secondary. I do now. Also, I did report to Medicare at least three times that Covid tests kits were on our statements that we did not order nor receive. So watch for incorrect charges which effect everyone tax wise however trivial.
