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Kaiser Senior Advantage is the way to go here!!
In response to 143076: Medical costs, posted by Jim L3 on Thursday, 7 February 2019, at 1:20 p.m.
Kaiser Senior Advantage costs $197/person/month (+/- a dollar...can't remember).
You have to be a Medicare Part A and B member, but not Part C (drugs). That's covered by the Kaiser plan. So, your total premium for Medicare plus Kaiser will be about $332/person/month.
Copays are the typical 20%. A detailed breakdown is given on the Kaiser site for this plan on the Big Island, specifically.
Kaiser also offers a Medical Financial Aid (MFA) program for individuals or couples whose gross income is less than 400% of the poverty level for the Big Island. We're on it, because our income is only social security, which for us is way more than enough, and 400% of the poverty level for a couple here is around $75K. Retired people generally don't have a gross income like that.
If you get on MFA, you still have to play your premiums, but all copays and deductables are eliminated, PROVIDED your healthcare services come directly from a Kaiser facility. For non-Kaiser services, the typical copays exist.
Kaiser is the only 5-Star Medicare Advantage program in this state. Because of this, you can join it anytime of the year, not being restricted to that Oct-Dec "window" thing.
Δ Out islands pay lots more, & not all zip codes covered
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