Enrolling in Medicare

[Ms. Toad]

20. Supplemental plans have caps, as well,

Mine is between $200 and $300 (whatever the annual deductible part B deductible is). I can go to virtually any doctor, anywhere in the country - and all but 20% of out of country costs are paid. I am not dependent on insurance approval for medical care.

The out of pocket cap for Medicare advantage plans is permitted to be as high as $9250 for 2026, and is an annual cap. Once you have cancer (or other chronic Illness) you will likely hit that cap for years in a row. Once you opt out of the traditional Medicare system (Medicare + Supplement), in most states you can never I'll back in - so your expenses will always be at the mercy of insurers.