Ok, just some thoughts about your predicament.
$ 25,000 is small change if you have a major health occurance even with traditional Medicare. Remember as a traditional Medicare beneficiary either you or a Medigap plan has to pay what Medicare does not pay. Things like you part of the hsopital cost, your part of a SNF cost, your cost of chemotherapy or some other costly treatment condition.
What I would do is to check with a local independent Medicare insurance agent on switching to another Medigap plan - if it is one of lesser coverage, even with possible underwriting, it might save on the premium cost.
This will show you the coverage under all the plans and you can compare it to the one you have now. Medicare.gov - How to compare Medigap plans
BTW, there is nothing wrong with you and your spouse having different plans - the needs maybe different.
Now if that does not work out for you - You should consider a Medicare Advantage plan - in most areas there are many to choose from. The same local independent Medicare insurance agent may be able to help you here too. Speak up about your concerns on coverage.
Medicare Advantage plans cover the same things that traditional or original Medicare covers, just in a different way. Under a MA plan, you know your copays, deductibles, etc, your total OOP - original Medicare has NO top limit for OOP cost - not annually and not by lifetime. A MA plan may offer other things that orignal Medicare doesn't offer like some coverage for dental, vision and hearing and sometimes other things too. Many time a MA plan has its formulary built into the plan and you also determine the best plan by using that just like in a free standing Med D plan.
MA plan premiums are low to zero.
Even in traditional or original Medicare, you have to make sure any providers you see accept assignment to get the best price. But if a provider does not accept assignment - even with a Medigap plan, they may bill you - a little or a lot. In traditional Medicare, there are providers that
- accept assignment
- are considered "non-participating"
- are considered contract providers
Medicare.go - Lower Cost With Assignment
Don't think that even traditional Medicare is without its own little surprise billing especially under some conditions. And remember that if Medicare does not pay, your Medigap plan will not pay either.
PBS 04/03/2019 - How this Medicare loophole can lead to surprise medical bills
Federal rules generally prevent people on Medicare from being hit with such surprise charges. However, Americans need to be aware of a major hole in Medicare’s safety net. It concerns people who need skilled nursing care after being hospitalized for a health issue.
Such care is covered by Medicare, but only if the person has been formally admitted to the hospital as inpatients for at least three days. Hospitals also are free to admit people as outpatients for what is technically called observational care. Outpatients, it turns out, are not covered by Medicare for subsequent nursing needs And in recent years, more people have been classified by hospitals as outpatients.
read more about this at the PBS link above
According to this article in Forbes, it seems MA insurers have a hook against surprised billings in MEDICARE hospitals.
Medicare forbids out-of-network providers from charging more than what traditional Medicare would pay for a given service. This has given insurers critical leverage against hospital monopolies, because the worst-case scenario is paying an out-of-network provider at Medicare rates. That means insurers have the ability to negotiate even lower rates with in-network providers.
Personally, there are a lot of "gotchas" out there; yes, even within Medicare but I would rather have as much coverage as possible because that is where most risk lies.
See a local independent Medicare insurance agent and see whether or not you can switch to another Medigap plan that is more economical for you in premiums but will give you some coverage that you can financially handle. And review the MA plans available to you in your areas with the agent and see if one may fit your needs - financially and healthwise. Like I said, there is no reason that you and your spouse have to have the same plan because each of your will have your own individual health needs.
Do you happen to know how your Medigap Plan G is rated?
Medigap policies can be priced or "rated" in 3 ways:
It's Always Something . . . . Roseanna Roseannadanna