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Old 10-10-2016, 08:19 AM   #41
Confused about dryer sheets
 
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Originally Posted by HadEnuff View Post
I'm looking at these plans in NY State, and the range of premiums makes absolutely no sense. For example, according to this site, comparing F+ plans, the range in my area (the Syracuse table), the F+ policy ranges from $58-$125/ month. Am I missing something?

Medicare Supplement Insurance Rate: Plan F+
What is the range of $58-$125 for? Is it dependent on the insurance company?
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Old 10-10-2016, 08:52 AM   #42
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Originally Posted by audreyh1 View Post
Perhaps they treat deductibles with Medicare differently then they treat deductibles from individual health insurance - seems likely.

It could be that the Medigap portion is covering just the 20% of the charge, and they know they'll be getting the 80% directly from Medicare and thus they aren't so strict about being paid up front by the patient.
I think we have a bingo.

Requests for up-front payment did almost disappear when we went on Medicare but I can't say for sure that was the reason as we both changed doctors about the same time.
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Old 10-10-2016, 09:24 AM   #43
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Do you know that Plan F goes away in 2020 as no deductible plans will no longer be allowed? The possible impact is that there will be no new buyers of Plan F starting in 2020, so it could impact the cost of the plan as the people remaining in the plan age.
There has been a lot of speculation about the possibility of higher than normal premium increases for Plan F members when only grandfathered insureds remain in the plan after 2020. Much of that speculation has come from those who would benefit by having you use their services to seek another Medigap plan, a reason to question the accuracy of the information. Only time will tell, but if I was starting on Medicare today I would stay away from the non high-deductible version of Plan F. As others have pointed out, Plan G offers the same coverage with only a small (under $200) annual deductible.

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Originally Posted by audreyh1 View Post
I assume Plan F HD will remain. I never had that spelled out.
As a Plan F HD subscriber I've been eagerly awaiting news confirming it won't suffer the same fate as the regular version. So far, the decision has not been announced.

The purpose of discontinuing new enrollments in Plan F (and Plan C) in 2020 was to eliminate plans paying the full deductible for the insured.
Quote:
The reasoning behind making Medicare beneficiaries pay the deductible themselves is that it will cause them to think twice before going to a doctor and perhaps costing the Medicare system unnecessary money.
Congress Schedules End to Insurance Coverage of Medicare Part B Deductible | ElderLawAnswers

Since the HD version of Plan F already does away with the deductible, it seems logical that it should continue to be an option for new Medicare enrollments. But then we are talking about the government, where logic is a five letter four letter word...
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Old 10-10-2016, 09:33 AM   #44
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The prices of Medicare Supplements are crazy. I started Medicare October 1 (YAH!!!) and did a lot of research primarily comparing Supplement G and High Deductible F policies. Many of the High Deductible F policies that were available to me actually cost MORE than the G policies. Crazy. I ended up with Mutual Of Omaha G for $90 per month.

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Old 10-10-2016, 11:49 AM   #45
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DH turns 65 in 2020, so I'm interested in the Medigap policies available then.

A year ago when I projected our Medicare insurance costs, I did find some quotes online. It might have been through ehealthinsurance?
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Old 10-13-2016, 12:53 PM   #46
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I thought I'd update with some pricing information. This morning I ran into my broker on the beach (where I met her in the first place). She had a package with pricing from Healthnet for me to review prior to our meeting next week.

Prices for San Diego county for a non-smoker age 65-66
Plan F: $140
Plan F-HighDed: $59
Plan G: $129

Plan G is eliminated because the price difference between G & F doesn't make it worth it.

We're leaning towards the F High Ded. plan... this discussion has been very interesting.

Additional - healthnet offers an optional add-on of dental/vision/hearing for $29/month. The premiums are a tad higher than we're paying for just cleanings and xrays for dental - and DH needs new glasses and will likely need hearing aids in the future. We're still debating this - but leaning towards opting in on this as well.
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Old 10-13-2016, 01:44 PM   #47
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I thought I'd update with some pricing information. This morning I ran into my broker on the beach (where I met her in the first place). She had a package with pricing from Healthnet for me to review prior to our meeting next week.

Prices for San Diego county for a non-smoker age 65-66
Plan F: $140
Plan F-HighDed: $59
Plan G: $129

Plan G is eliminated because the price difference between G & F doesn't make it worth it.

We're leaning towards the F High Ded. plan... this discussion has been very interesting.

Additional - healthnet offers an optional add-on of dental/vision/hearing for $29/month. The premiums are a tad higher than we're paying for just cleanings and xrays for dental - and DH needs new glasses and will likely need hearing aids in the future. We're still debating this - but leaning towards opting in on this as well.
Sounds about like the quotes I got 8 years ago when I first signed up. Count on premiums rising each year and really going up after 70 years old. Still the best deal in the U.S.
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Old 10-13-2016, 01:51 PM   #48
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Sounds about like the quotes I got 8 years ago when I first signed up.
Same here, except the plan F HD is a bit higher. My premium started out five years ago at $44/mo and is now $53.
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Old 10-13-2016, 03:08 PM   #49
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I noticed there is a lot of variation based on what county in CA you're in. (I have the pricelist for all of CA - but you have to pick your county.

A quick glance makes me glad we're not in Los Angeles or Orange County - they were the highest premiums. I was surprised to see San Diego County was on the same price chart as many of the Bay area counties... since I know they have higher health care premiums for the pre-medicare crowd.

I saw the increases with age - with Healthnet it's every 2 years it goes up to the next level. It seems to cap at age 85.
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Old 10-13-2016, 03:43 PM   #50
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Yesterday I got 2 quotes for MediGap for DW. The G policy (BCBS) is $252, and the Hi-D F (Humana) is $132. The BCBS quote was online, but all others are by phone. It's a pretty big difference.

I could not believe how long it took to get the Humana quote, or how confused they are - after 35 minutes the phone disconnected and they still could not tell me how the plan is priced. The Medicare website says issue-age, but I wanted them to confirm (they didn't).
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