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Re: Medigap premiums after age 85?

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Message 11 of 13

Thanks Gail.  Yes, I understand all that.  What about Medigap poliie over age 85?

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Valued Social Butterfly
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Re: Medigap premiums after age 85?

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Message 12 of 13

You Medigap premiums are based on the way your pokicy is rated AND the state (actually area of the state) where you live.

 

Medigap policy rating methods:

Medicare.gov - Cost of Medigap Policies

 

Medicare.gov - Medigap Rating Methods Described

 

Your premiums can also rise because of medical inflation.

 

This booklet from Medicare may also help you - at the end of the booklet is a list of phone numbers for each state's Dept of Ins. 

 

Medicare.gov - 2019 Choosing a Medigap Policy

 

Many times but not all, states (Dept of Insurance) publish the most current Medigap rate if it is based on a Community rating method or they say how the policy is rated. 

 

Some states have more lenient rules on changing policies WITHOUT underwriting.

 

This may also be helpful if you are considering a change -

Medicare.gov - Switching Medigap Policies

 

Yes, Medigap policies do get expensive - the Medicare choices are pretty simple for everybody -

 

  • Pay more in premiums in order to pay less of the medical bill

                              (traditional Medicare with a Medigap)    

                                                              OR

  • Pay less in premiums in order to pay more of the medical bill

                                        ( Medicare Advantage plan)

 

 

 

* * * * It's Always Something . . . Roseanne Roseannadanna
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Medigap premiums after age 85?

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Message 13 of 13

I've searched and searched on this site and google but can't find any information on Medicare Supplement insurance rates for over 85 year olds.  All of the sources I can find top out at 85 and offer very little in the way of information after that.  

 

Does anybody know if premiums remain affordable after 85 or do we basically just have to do without?

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