CRLLS
Thinks s/he gets paid by the post
DW has signed up for Medicare starting in February. We are looking at supplement plans. We are considering Plan F-HD, but are worried about what happens after 2020. Plan F-HD will be closed to new applicants. The plans will be continuing but I expect the rates to increase greatly. Plan G is very similar to F(non -HD) right now but is not a guaranteed issue Plan. From my research in 2020 Plan G will be a guaranteed issue and they will offer a Plan G-HD. So here is my question.
Our health is such that, in the long run, an HD policy is our best plan. Even if it should go south, I don't see the two of us using the $2200 (2017) deductible in the same year. If one of us hits that, then we are OK based on current Plan costs. Truth be told, we can handle both of us using the deductible for many, many years.
Should we sign up for F-HD now and try to change to G-HD in 2020 (of after), or sign up for G now and then downgrade to G-HD later on.
Too many unknowns and it seems that changing plans later on is iffy, at best. As they said in Indiana Jones and the Last Crusade movie, "Choose wisely".....for you may be locked into that plan for 30+ years. but we do need to decide soon.
Our health is such that, in the long run, an HD policy is our best plan. Even if it should go south, I don't see the two of us using the $2200 (2017) deductible in the same year. If one of us hits that, then we are OK based on current Plan costs. Truth be told, we can handle both of us using the deductible for many, many years.
Should we sign up for F-HD now and try to change to G-HD in 2020 (of after), or sign up for G now and then downgrade to G-HD later on.
Too many unknowns and it seems that changing plans later on is iffy, at best. As they said in Indiana Jones and the Last Crusade movie, "Choose wisely".....for you may be locked into that plan for 30+ years. but we do need to decide soon.