Reply
Contributor

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.

 

11,183 Views
10
Report
Bronze Conversationalist

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


Bark less. Wag more.
0 Kudos
6,116 Views
0
Report
Periodic Contributor

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

Newbie

"Best to start on F not G"? Is that you meant?

0 Kudos
2,331 Views
1
Report
Bronze Conversationalist

@lirong120"Best to start on F not G"? Is that you meant?   

 

Your referenced quote was from a 2019 post when F was still available to anyone. From a monetary perspective, G was almost always a better VALUE than F in most states.

 

IMO the F plan was oversold by agents and carrier alike.

 

 


Bark less. Wag more.
0 Kudos
2,289 Views
0
Report
Contributor

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.

Contributor

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 

0 Kudos
9,273 Views
0
Report
Bronze Conversationalist

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.


Bark less. Wag more.
0 Kudos
10,659 Views
0
Report
Periodic Contributor

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.

11,125 Views
2
Report
Contributor

You can apply for Medicare Supplement Insurance during open enrollment. Open enrollment includes a six-month period from the date you enrolled in Medicare Part B if age 65 or older, or up to six-month after you turn 65 if you were eligible for Part B benefits before age 65.

0 Kudos
364 Views
0
Report
Honored Social Butterfly

You are setting people on the right path to getting real help. I would add one additional comment. If you are not licensed in all 50 States a person should talk with the local expert before making a final decision. They can always get some help from their local AARP in doing that.

0 Kudos
3,056 Views
0
Report
cancel
Showing results for 
Show  only  | Search instead for 
Did you mean: 
Users
Announcements

"I downloaded AARP Perks to assist in staying connected and never missing out on a discount!" -LeeshaD341679

AARP Perks

Test Your Knowledge, Score Big. New Game Each Day!

AARP's new Right Again! Trivia game - part trivia, part puzzle, all fun! Special opportunities for AARP Members and Rewards participants. Play Now.

AARP Right Again! Trivia

AARP Rewards

Sync your smartphone or favorite tracker with AARP Rewards to earn points for hitting steps, swimming and cycling milestones Sync Now.

AARP Rewards Badge

Music and Brain Health

From soft jazz to hard rock - discover music's mental, social and physical benefits. Learn more.

Music and Brain Health