Monday, February 13, 2012
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Covering the Bases: Understanding the options if you're new to Medicare

Capital Gazette Communications
Published 11/15/09

Q: I am new to Medicare. I have my Medicare Part A and Part B. I elected a Medigap plan to complement my Medicare A and B. However, I am not on any medicines and so do not see the advantage for enrolling in Medicare Part D. What are the advantages of having Part D?

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A: Insurance is a contradiction. You pay good money for something you hope you never need. We pay homeowner's insurance and hope we never have a fire. We pay auto insurance and hope we never have a car accident. Health insurance is the same. We pay our premiums and hope we never are in need of a doctor or a hospital.

The same is...

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