Hip replacement on private insurance, or wait a year till Medicare?

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I’m 64 (M), self-employed, buy expensive insurance for wife and self, Blue Cross/Shield PPO Bronze, California. Costs about 18K to $20K per year. Painfully high deductible, $6K/$12Koop.

I will probably need a hip replacement soon. Next year 2021 should be my last year buying insurance at full price. The following year I should be eligible for Medicare. Wife too (same age).

Would it make sense to try to do the hip replacement in 2021 on Blue Cross/Shield, or wait till 2022 on Medicare?

I won’t have such steep monthly insurance premiums in 2022, so I should have more cash around. But is Medicare going to be more or less helpful than Blue Cross? Send me to a lesser hospital, or a less experienced orthopedic surgeon?

Hurry or wait?

I appreciate any advice.

submitted by /u/flat5757
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I’m 64 (M), self-employed, buy expensive insurance for wife and self, Blue Cross/Shield PPO Bronze, California. Costs about 18K to $20K per year. Painfully high deductible, $6K/$12Koop. I will probably need a hip replacement soon. Next year 2021 should be my last year buying insurance at full price. The following year I should be eligible for Medicare. Wife too (same age). Would it make sense to try to do the hip replacement in 2021 on Blue Cross/Shield, or wait till 2022 on Medicare? I won’t have such steep monthly insurance premiums in 2022, so I should have more cash around. But is Medicare going to be more or less helpful than Blue Cross? Send me to a lesser hospital, or a less experienced orthopedic surgeon? Hurry or wait? I appreciate any advice.
submitted by /u/flat5757 [link] [comments]Read Morer/HealthInsurance

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