I chose a plan that had no gap and no deductible. The premium is a pinch higher each month but it’s worth every cent to not have to contend with paying big prescription bills for a period of time.
As for the government employees you have to look forward to dealing with, prepare for every person who is a brick shy of a full load. My last encounter with Medicare had me on the phone for 3 1/2 hours (yes, hours) with NO resolution. Wanna know the burning question I was asking? :confused: Ready? Seated? What dollar amounts went towards my 2006 deductible? She couldn’t figure it out but was very nice about it. She kept saying, “I’m sorry this is taking so long. I’m sorry I can’t figure this out.” I asked if there was someone else that could help me and was told that ALL the supervisors had left for the day. Yea, right. This all started because they applied too much towards my deductible. To date—still not resolved but at least I got their attention and my call got logged into the computer. Best wishes!! 😀