Sarah Howard
Sarah Howard has worked in the diabetes research field ever since she was diagnosed with T1D while in college in May 2013. Since then, she has worked for various diabetes organizations, focusing on research, advocacy, and community-building efforts for people with T1D and their loved ones. Sarah is currently the Senior Marketing Manager at T1D Exchange.
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If you live in the United States, how would you best describe your primary insurance plan type and its annual medical deductible? Cancel reply
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Medicare and medicare supplement deductible is $228?
Medicare primary, Tricare for Life secondary (military retiree, TFL covers almost all drug needs
Medicare and Medicare supplement $228 a year
For the last 3 years I am in a very good place with insurance.
Previous to this my the company I worked for changed insurance every year and deductibles changed over the years from 3,000 – 7,000 for me as an individual. No copay’s until deductible was reached.
My husband had separate insurance with his own deductible.
$4,000 deductible with an $8,000 out of pocket maximum
I think we need a new category for SUPER high deductible!!
I marked other because I am now on medicare.
Thankfully I live in a state that has public health insurance if you are financially eligible. Masshealth takes care of everything so I don’t even have to think about the cost
I have Medicare Parts A (hospital), B (doctor visits, equipment like my pump, insulin and supplies), and Part D (other drugs) with a supplement that covers Parts A and B deductibles and copays. My deductible for drugs is $505.
This is a large manufacturing company that uses BCBS of Michigan. Horrible coverage. My self and 2 sons. High deductible 8k $360 premiums…. 🙏 GoodRX
Medicare
Medicare advantage plan.
I have no yearly deductible because I’m insured under the disability program.
Medicare plus a supplemental health policy, medium deductible.
Medicare advantage. Pay the part B premium but no other deductible. Do have small co-pay for specialists and some tests. On MDI. Pay $35/mo per type of insulin.
We’re on Medicare, with an Advantage plan
We chose the high deductible plan because I take a biologic. The cost of it covers most, if not all, of my deductible on the first fill. Since this plan comes with an HSA, we contribute to it with each paycheck and are building the account for retirement.
Medicare primary. Anthem plan F covers everything Medicare doesn’t no co pays or deductible. Greatest for diabetic on pump it all goes on plan B. I don’t pay for any diabetic supplies but the premium is high.
Medicare Advantage plan, no deductible.
medicare, $200 deductible.
Traditional Medicare. Medicare part B pays all of my pump and cgm supplies (as well as APAP supplies) after my modest deductible is met. Usually first doctor’s visit take care of that!
Other. Medicare Advantage plan. Great coverage, no deductible. However, dealing with the donut hole is confusing and a royal pain in the ___ but other than that I have no complaints.
I am on Medicare and B/C. What Medicare does not pay my Anthem Blue Cross pays even my Medicare deductible.
Same for me
Medicare and TriCare for Life (military benefit).
Sheesh, the “high deductible” option is about a quarter of my family plan. We have Obamacare and have a $10,000 deductible for my husband and me.
Family insurance with a super high deductible:
$6000 individual deductible with $12000 out of pocket max… then, once I meet the deductible (which I did very quickly this year and put my family in debt (went over the CC limit significantly)), my insurance covers 70% of their approved charges. This was the best plan we could get while also having decent doctors.
I have medicare part A and am covered by my husband’s plan with a family deductible of $3,000. All of my diabetic costs are covered 100% year long.
I have VA benefits and no deduction.
Medicare
The insurance is through my husband’s employer and my deductible just per doctor visit is $70.00+ depending on if bloodwork was done. So, I am pretty sure it is a family plan and best described as whatever is cheapest for the employer.
Before I retired my copay/deductible I believe was $2500, never reached it.
According to the most recent Explanation of Benefits that I can find (Feb 2023) for Medicare prescription drug (Part D) I am in Stage 2 of 4 Stages. Stage 2 began when I filled my first prescription of the year. I will stay in this stage till the amount of my year to date “total drug costs” is $4660. After that I move to stage three. I will stay in stage three until my year to date “out of pocket” prescription costs reach $7400. When that happens I move to stage four where the plan will pay most of my cost for covered drugs. But I mistakenly checked No deductible, which is Stage 1 which “does not apply” to me. So do I have a variable deductible plan? Please include that option next time you ask.
This is my Kaiser Permanente Medicare Advantage Plan. I may apply for Original Medicare for freedom of doctor selection. I am now restricted to only KP doctors, usually overworked. In person I am usually seen by a physician assistant and the assistant to the assistant. Overall care is adequate to good, but not excellent. I want better care.
I have Medicare and a supplemental plan.
Family deductible is $3,000, and we’ll hit it this month (April).
Other: Individual insurance, no deductible (my employer doesn’t pay well but offers incredible benefits)
Medicare is my primary and my private insurance has co-pays, but no deductible.