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Old 04-22-2015, 02:12 AM   #41
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Originally Posted by bmcgonig View Post
Am I wrong in the assumption that a Medigap F policy would cover all medical expenses except for something like Nursing home? If so then what would all the extra expense consist of ? Leaving out Nursing home care.

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it cost 11k right now for medicare, D and an f-plan in our area for the two of us.

plus dental which ran about 18k last year for both of us .

it is these medigap plans especially the f-plans that have been increasing drastically.. in most states medigap plans are age based and go up every year not only based on age but also when healthcare costs rise.

f plans contain a lot of sickly people in that group compared to other plans where coverage is not as extensive.

don't forget the healthier you are does not mean you will have less in medical costs. it means you may live longer paying more in premiums and other expenses, like hearing aids and glasses which are not covered .
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Old 04-22-2015, 02:20 AM   #42
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My 88 and 90 year-old parents' Part F cost is $243/month and Part D (drug/prescription) is $35/month with co-pays but no deductible.
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Old 04-22-2015, 02:23 AM   #43
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it is all state related. an f plan in ny is 3200.00 a year. but ny is community rated not age based like most states.

every age is charged the same .

we are free to change plans too with no pre-existing rejections allowed.

so every plan varies wildly depending on state by as much as 2x.

we went with a high deductable f plan two nights ago. 115.86 a month with 2180.00 deductible.
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