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Medicare Supplement Plan Question

Hi Folks,

 

I'm trying to help a relative sign up for Medicare A & B and have been trying to figure out the best supplement for her. She just lost her company healthcare.

 

From the info I'm finding online it appears that C and F are going away as of 2020.

 

Unfortunately she has a pre-existing condition and it seems that Supplement-G may be the next best choice. 

 

Is there anyone out there that is currently enrolled in Plan-G? Any pros and cons for someone with a pre-existing condition.

Thanks for any info.

 

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@KittuR492730 what's up with the "website" link to a survey?


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Do NOT choose Plan F. Plan G IS the better choice.

 

The only difference between F and G is F covers your Medicare deductible ($195 this year) as well. When I compared annual premiums for 2020 (I'll be 68) annual premiums for F where far greater then what they saved you ($195)

 

Also with F going away, it's premiums will increase as people leave it and with no new people coming the F population will age and cost the plan more which get passed along to the people in the plan.

 

Plus, in all but 4 states, you may have to go through medical underwriting to switch plans. 

 

Best to start on F not G

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ome carriers in some states may impose a pre-ex waiting period if you did not mcdvoice have prior creditable coverage.

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For those currently in a AARP UHC supplement plan you will be getting shafted on your enrollment rates going forward ( if you joined within few years )   I joined at 66 in Jan of 2019, my enrollment discount was 33% and this year will drop to 30% , then each year another 3%. Those enrolling in at age 65 in 2020 will get a 39 % discount , which stays that way for four more years. At age 70 the discount will be 33 % , mine at age 70 will be 21%. Thanks AARP for shafting your current members. Maybe time to change.

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for those current members , your discount goes off the 2019 discount rates ( 36 , 33 , 30 , 27 , 24 , 21 and so on ) , only a new enrollee will get the better discount rates of 39 , 39 , 39 , 39 , 36 , 33 , 30 , 27 and so on 

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Plans C & F go away for NEW APPLICANTS ONLY as of 1/1/2020. Those who have C or F now can keep them as long as they pay their premiums.

 

Plan G is an excellent choice in most states. Medigap carriers are generally required to offer plan F but not G. As such, some carriers do not write G.

 

UHC, Humana and a few others introduced G for the first time in 2018.

 

If an applicant is enrolling in a Medigap plan during their IEP (Initial Enrollment Period) there are no health questions. Some carriers in some states may impose a pre-ex waiting period if you did not have prior creditable coverage. The pre-ex limit will apply for up to 6 months depending on the state or carrier.


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You should speak with a licensed agent that specializes in Medicare to go over all the options.  I would be more than happy to answer any and all questions that you might have. My number 1 priority is educating you on how Medicare works.

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McDVOICE

@StephenK41866 wrote:

Hi Folks,

 

I'm trying to help a relative sign up for Medicare A & B and have been trying to figure out the best supplement for her. She just lost her company healthcare.

 

From the info I'm finding online it appears that C and F are going away as of 2020.

 

Unfortunately she has a pre-existing condition and it seems that Supplement-G may be the next best choice. 

 

Is there anyone out there that is currently enrolled in Plan-G? Any pros and cons for someone with a pre-existing condition.

Thanks for any info.

 


Medigap Plan F is a popular choice that offers more coverage than any otherMedicare Supplement plan. There is also a high-deductible Plan F that offers the same benefits as the standard Plan F, but requires you to pay a certain amount out of pocket before coverage starts.

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@KitsonE819731 wrote:

McDVOICE

@StephenK41866 wrote:

Hi Folks,

 

I'm trying to help a relative sign up for Medicare A & B and have been trying to figure out the best supplement for her. She just lost her company healthcare.

 

From the info I'm finding online it appears that C and F are going away as of 2020.

 

Unfortunately she has a pre-existing condition and it seems that Supplement-G may be the next best choice. 

 

Is there anyone out there that is currently enrolled in Plan-G? Any pros and cons for someone with a pre-existing condition.

Thanks for any info.

 


Medigap Plan F is a popular choice that offers more coverage than any otherMedicare Supplement plan. There is also a high-deductible Plan F that offers the same benefits as the standard Plan F, but requires you to pay a certain amount out of pocket before coverage starts.


  • If you do not have the right to buy a Medigap, ask the insurance representative how much extra you will be charged for purchasing one.
  • If you are under 65, make sure the company you are considering sells to individuals under 65.
  • Remember to keep track of who you spoke with, when you spoke with them, and the outcome of the call.
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@KitsonE819731 wrote:

mcvoice

@StephenK41866 wrote:

Hi Folks,

 

I'm trying to help a relative sign up for Medicare A & B and have been trying to figure out the best supplement for her. She just lost her company healthcare.

 

From the info I'm finding online it appears that C and F are going away as of 2020.

 

Unfortunately she has a pre-existing condition and it seems that Supplement-G may be the next best choice. 

 

Is there anyone out there that is currently enrolled in Plan-G? Any pros and cons for someone with a pre-existing condition.

Thanks for any info.

 


I totally Agree with KitsonE819731 Medical Plan F is popular and famous. May people are taking that so you can try if you want.


 

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@FinnB393533 wrote:

@KitsonE819731 wrote:

mcvoice

@StephenK41866 wrote:

Hi Folks,

 

I'm trying to help a relative sign up for Medicare A & B and have been trying to figure out the best supplement for her. She just lost her company healthcare.

 

From the info I'm finding online it appears that C and F are going liteblue usps as of 2020.

 

Unfortunately she has a pre-existing condition and it seems that Supplement-G may be the next best choice. 

 

Is there anyone out there that is currently enrolled in Plan-G? Any pros and cons for someone with a pre-existing condition.

Thanks for any info.

 


I totally Agree with KitsonE819731 Medical Plan F is popular and famous. May people are taking that so you can try if you want.


 


I too totally agree with thi

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