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Old 06-07-2016, 12:56 PM   #21
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Originally Posted by molly312 View Post
My personal experience: Both my husband and I have Plan F. My husband is in perfect health and to date, would have saved some money on High deductible plan F, or one of the others. I, have breast cancer and for us Plan F has been a God sent blessing. My bills have been large and many. No, we did not plan on this. Along with the physical and mental stress of this disease, we have been relieved of weekly billing fights and tons of paperwork. Yup, you can figure out what is the best for less this year. However, few people figure that they are going to get a future serious medical condition when doing the math. We endorse Plan F - had wonderful support from both Anthem (first policy) and then AARP.

I will also add - that for us, the biggest challenge is the Part D, drug plan. When you sign up for one, they give you a formulary. However, there is no guarantee that they won't change their formulary mid-year and leave you with huge increase in drug costs.
The problem is that Plan F is going away for new enrollees in 2020. Consequently, there may be substantial increases in premiums for those who are grandfathered into those plans. The other point I'd make is that there are many cases where you can save money with Plan G over Plan F no matter how much your medical coats are! There are many policies where Plan G is cheaper for the year than F even if you have to pay the Part B deductible under Plan G.

As for the drug plans, I agree you have to watch the formulary and if it changes to your detriment then you should change as soon as permitted.

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Old 06-07-2016, 04:18 PM   #22
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In my state of Washington, you can always move laterally from one company' s Medigap policy to another of the same or lower level.

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