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Medicare Supplement Plans
Posted on 4/21/23 at 9:07 am
Posted on 4/21/23 at 9:07 am
Spouse will be 65 next year.
I've seen numerous articles that say most Medicare supplement insurance plans are pretty worthless.
Can anyone suggest a Medicare supplement, gap, or other plan that's worth the cost?
I've seen numerous articles that say most Medicare supplement insurance plans are pretty worthless.
Can anyone suggest a Medicare supplement, gap, or other plan that's worth the cost?
8
Posted on 4/21/23 at 9:35 am to WB Davis
In Louisiana I use AARP United Healthcare supplement G. It pays the 20% that Medicare doesn't. Cost is going up this year to $136 per month.Unfortunately, you have to join AARP to get it. I can see any doctor I want without referral.
Posted on 4/21/23 at 9:36 am to WB Davis
Get an agent to go through her options. It’s free to you. Are you in Louisiana?
Posted on 4/21/23 at 10:21 am to TigerFanDan
Thanks for that AARP recommendation. I'll check that now.
Posted on 4/21/23 at 11:08 am to WB Davis
Definitely not worthless, unless you never go to a doctor. The thing to avoid is Medicare Advantage; stick w/ original Medicare.
We switched my mom from a Medigap supplement plan F to a plan G with BCBS and it reduced her monthly premium by $100. She sees 2-3 specialists few times a year. Never pays for anything out of pocket besides the annual Medicare Part B deductible.
There are several different Medigap plan types. F/G are considered the cadillac plans. I don't think u can get F plans anymore.
https://www.medicare.gov/supplements-other-insurance/how-to-compare-medigap-policies
https://www.medicare.gov/supplements-other-insurance/whats-medicare-supplement-insurance-medigap
We switched my mom from a Medigap supplement plan F to a plan G with BCBS and it reduced her monthly premium by $100. She sees 2-3 specialists few times a year. Never pays for anything out of pocket besides the annual Medicare Part B deductible.
There are several different Medigap plan types. F/G are considered the cadillac plans. I don't think u can get F plans anymore.
https://www.medicare.gov/supplements-other-insurance/how-to-compare-medigap-policies
https://www.medicare.gov/supplements-other-insurance/whats-medicare-supplement-insurance-medigap
Posted on 4/21/23 at 11:53 am to gpburdell
Thanks for this.
Posted on 4/21/23 at 12:20 pm to WB Davis
In LA, I have Medicare A & B with Cigna Plan G, which collectively allows coverage anywhere in the US and provides the opportunity to receive care at out-of-state medical centers (cancer, specialty surgery for example). This is for supplement/medigap versus advantage plans. Do a browser search and call other places to obtain info.
This post was edited on 4/21/23 at 1:06 pm
Posted on 4/21/23 at 2:42 pm to WB Davis
quote:
I've seen numerous articles that say most Medicare supplement insurance plans are pretty worthless.
I don't know what article you have read. My mom has F, you can't get that one anymore, and pays practically 0 out of pocket. She has been through 3 hip surgeries and 2 shoulder surgeries. Look in to G and as to AARP it is expensive. There are better options. Also do not forget Part D.
Posted on 4/21/23 at 4:56 pm to La Place Mike
quote:
My mom has F, you can't get that one anymore,
You may want to have her get a quote for Plan G. My mom had been on Plan F for many years, but the premiums had gone up significantly over that time.
With the switch to Plan G, she saved $1200/year in annual premium costs. Sure you have to pay the Part B deductible but that's only $226 this year. So she is saving 1k net with the change.
Since new people can't get into F plans anymore; the pool of people in them are shrinking which raises costs.
Posted on 4/21/23 at 5:01 pm to WB Davis
quote:
Can anyone suggest a Medicare supplement, gap, or other plan that's worth the cost?
Forgot to mention. I've seen https://boomerbenefits.com/ mentioned several times on Bogleheads as a reputable broker to find a plan.
Posted on 4/21/23 at 7:57 pm to gpburdell
quote:
With the switch to Plan G, she saved $1200/year in annual premium costs. Sure you have to pay the Part B deductible but that's only $226 this year. So she is saving 1k net with the change.
I will have to check and see how the numbers work out for her. Thanks for the tip.
Posted on 4/21/23 at 10:25 pm to WB Davis
My understanding is that all G plans must offer the same coverage. Only difference is cost and confidence in the insurance carrier. Cost will vary based on sex and location I think.
Posted on 4/22/23 at 11:34 am to WB Davis
Wife and I use an agent that specializes in this. We update her in the fall of each year with a list of our doctors and prescription drugs. She has access to a data base of all plans offered in our area. She sends us a report that shows our options. Prices change every year and so do carriers. Insurance companies may discontinue coverage in an area and / or new carriers may come in. I highly recommend finding an agent in your area to help you.
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