Medigap Question

Medigap typically just picks up the 20% after Medicare pays the 80%.

I've never seen them try to screw a patient like commercial insurance does.

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OT getting old.

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Yup. I eagerly clicked on it it get some tips. Sad.

All medigap insurers have to meet the criteria of the plans, ie plan g from one is the same as plan g from another. They have to pay if it is a medicare approved procedure etc. basically if your dr prescribes a procedure that medicare approves, they have to cover it.

From their it is up to you to pick the company u are most comfortable with. In la we always had bsbc but up here in IN we are on farm bureau simply because they are nearly half premium for same coverage

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I have seen complaints about BC/BS medical insurance

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Wondering myself, I have United Health Care Plan F and looking to change to Plan G. UHC has been good at paying with no complaints however Plan F went up $50 this period. Plan G at UHC is $283 at my age.

BCBS Plan G is $45 a month cheaper the UHC Plan G......not sure why and have concerns as to why so much lower for the exact same Plan.

Personallly i stay away from uhc due to personal reasons but for medigap it doesn’t really matter - if your dr accepts medicare rhey will also accept whatever medigap insurer

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I have seen complaints about BC/BS medical insurance

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Fingers crossed but I have it and no complaints. I haven't used it a lot but they've paid every claim that I've had.

Thank you, everyone! The responses have been very helpful.

A Medicare Supplement Policy aka Medigap Policy isn't an insurance policy by normal definition.
It's more of a financial vehicle to pay the balance billing after your primary health coverage, which is Medicare A & B, pays its portion.
I've been a Medicare Supplement broker for 35 years and have never seen a case of a Medicare Supplement policy not paying their portion of the bill as directed by Medicare.
A Medicare Supplement policy is guaranteed to stay in force for the rest your life and can only be cancelled by you or by the company for non-payment of premiums.
As you age an "alternate payor" designation should be established to protect your policy from your aging memory.
The only thing that I see that can go wrong with a Medicare Supplement policy, and this applies to all insurance, is when your policy ends up in a "Closed" block of business, "Closed" means the company is no longer accepting new policyholders. New policyholders for Medicare Supplement means the healthy young 65 year old's whose premium dollars are paying the claims of the older folks in the block of business. If this happens your Medicare Supplement premiums will increase rapidly as the age and claims on the block of business increase.
It's also important to stay with a company that has a large and well established block of business. We don't recommend any company who's block is less than 7-10 years old. It's also important to stay with insurance companies that specialize in what we call 'Senior Market Health" and not property and casualty or life insurance companies.
For anyone reading this that lives in Louisiana do not confuse this with Medicare Advantage aka Medicare Part C aka Medicare HMO's. These products despite having 'Medicare" in the name have nothing to do with Medicare A & B

Thanks so much! The replies were great. Thanks all!