If you signed up for a Medicare Advantage Plan, you won't be on COBRA, so don't figure that into your calculations. If the Medicare Advantage Plan you signed up for won't cover your medications adequately, then I would suggest going to medicare.gov, and shopping around for one that does.
You mentioned that you were on SSDI, and that you take 10 medications, there may be a SNP (Special Needs Plan) available, that would help with that.
I agree with Amir. If your husband is healthy enough, he may wish to go with a major medical plan. I would recommend a High Deductible Health Plan, that you can fund, and use the monies to pay for your health issues.
Dear heart2heart,
Even though you have done some homework, let's list a few options;
- Your husband may be able to find employment with benefits soon after he is separated from his current position & you may be able to stay on a group plan.
- If your husband is in fairly good health, he may qualify for an Individual plan which is sometimes more affordable than COBRA & that will cut down your cost.
- If you end up opting for COBRA, your age shouldn't make it more expensive because COBRA, similar to other group products don't rate you on the basis of your age but on the base of the average age of your group.
- You mentioned that you have checked many resources for help. Have you checked www.needymeds.com? I have found them to be more versatile than others.
Sincerely,
Amir Mostafaie