A fresh question for anyone who’s dealt with starting Medicare recently.
My whole life my wife and I have had medical insurance provided by her or my employer. As a result, we’ve always had the same insurance. Good or bad, it was the same for both of us.
She turned 65 couple months ago. I retire on my 65th birthday a couple months from now. When that happens we will both lose our current insurance which comes from my employer.
We intend to do some form of Medigap / Medicare Supplement insurance and are working through the selection process now.
That’s the facts; here’s the questions:
- Is there any requirement that we have the same insurance carrier and plan?
- If not, what are the pros or cons of doing so?
- Does that mean we’ll be starting a whole fresh set of deductibles for just the last ~3 months of 2023, then re-start another fresh set of deductibles in Jan for 2024. In addition to the employer plan’s 2023 deductibles we’ve already met? Sounds expensive.