Monthly charge for medicare

[foxfirev5]

Medicare Plan G AARP/ United Health for DW and I (65/66) is a combined $217 this year in MI. Worth every penny.

[anethum]

I currently pay $153/month for Plan G with AARP/UHC in an HCOL area. I'm 67. I've got a placeholder Wellcare Part D policy for $12.90. I went through Boomer Benefits for my Medigap plan and was happy with them, esp. my 2nd time. I switched from initially signing up with Mutual of Omaha, then changed to UHC (by passing underwriting) when I got a big increase from Mutual Of Omaha. FWIW since you're in Texas, Boomer Benefits is based in Ft. Worth.

https://boomerbenefits.com/

I'm not impressed with SeniorSavingsNetwork for 2 reasons: the Westfall guy was going on and on in a video urging folks to switch to Plan N because of "Guarantee Issue" without giving any evidence or reason why that would cause a disproportionate price increase to Plan G in the future. I think he was simply trying to encourage people to switch plans so he'd get commissions. Also, he set up his web domain with a ".org" URL which implies it's a non-profit company. It's not.

[Calico]

Wellcare Part D $12.90

AARP/UHC Supp. G $107.90 (will increase to $112.69 in June)

I'm 66.

[CRLLS]

DW and I have AARP/UHC Plan G. We have been paying $228.56 for the both of us combined (incl. household discount). We just received notice a couple of days ago that the prices are increasing to $244.80 in June and then again to $257.78 in January of next year. Prices do change based on the plan you choose the company you choose your age, your gender and your location. Generally, choices are good to have. Sometimes those choices make it difficult to find the best one for your situation both now, and years in the future. That last part is important as many states, not all, will require a person to pass underwriting (a medical questionnaire and possibly a physical) to change companies or plans later on. Know what your state rules are and take a best guess.

[foxfirev5]

Quote:

Originally Posted by CRLLS DW and I have AARP/UHC Plan G. We have been paying $228.56 for the both of us combined (incl. household discount). We just received notice a couple of days ago that the prices are increasing to $244.80 in June and then again to $257.78 in January of next year. Prices do change based on the plan you choose the company you choose your age, your gender and your location. Generally, choices are good to have. Sometimes those choices make it difficult to find the best one for your situation both now, and years in the future. That last part is important as many states, not all, will require a person to pass underwriting (a medical questionnaire and possibly a physical) to change companies or plans later on. Know what your state rules are and take a best guess.

Yeah, and also probably because you have a birthday and the discount decreases each year. However it was clearly disclosed during your initial enrollment.( and yes I'm the guy that reads all 33 pages of the disclosure) I'm not a shill for the plan but it's still the best I've found so far.

[Texas Proud]

Thanks for the replies!!!


It is cheaper than I thought... good to know... but looking at UHC plans there is a lot more than just G or H...


I still have a few months to go so will be checking this out over the next 6 months

[Dash man]

Quote:

Originally Posted by Texas Proud Thanks for the replies!!! It is cheaper than I thought... good to know... but looking at UHC plans there is a lot more than just G or H... I still have a few months to go so will be checking this out over the next 6 months

Any Medicare supplement other than Plan G or Plan N (Plan F no longer available) is not worth considering in my opinion. You want the plan you need when you’re sick, not when you’re healthy.

[Calico]

Quote:

Originally Posted by Dash man Any Medicare supplement other than Plan G or Plan N (Plan F no longer available) is not worth considering in my opinion. You want the plan you need when you’re sick, not when you’re healthy.

+1000

[athena53]

Quote:

Originally Posted by GaryInCO So my total insurance cost is under $300 with a $233 deductible. Big improvement from $830/mo with a $6000 deductible.

Yeah, that's about what I was paying for "Affordable" Care Act coverage before I hit 65 4 years ago.

Anyway- I'm 69 and in good health other than needing increased BC screening (family history) and cardiac insufficiency which now requires an annual echocardiogram but no meds. I'm on one prescription, still under patent so no price breaks but within the budget. I live in a Kansas City suburb.

United Healthcare/AARP Supplement: $213/month. Medicare B $170/month plus $170 IRMAA surcharge, Prescription Plan $23 + $32 IRMAA surcharge (I buy the cheapest plan I can find). So, a little over $600/month but I rarely pay anything out of pocket except the prescription plan annual deductible ($450 or so?) and blood tests I order on my own through RequestaTest because I want to monitor my health more often than Medicare deems necessary.

You haven't mentioned Medicare Advantage but it's sold very aggressively. There are multiple threads on that. Most of us have chosen traditional Medicare.

[CardsFan]

Quote:

Originally Posted by athena53 You haven't mentioned Medicare Advantage but it's sold very aggressively. There are multiple threads on that. Most of us have chosen traditional Medicare.

Funny you mentioned that. DW was just watching "Dr. Phil". As part of the "show" he had a woman on extolling the virtues of Advantage plans. "Coincidentally" she is also a broker for the plans.

Just curious if "Dr. Pill" (not a typo, that is what I call him) is on a "no cost" Advantage plan

[F.I.R.E User]

My mother has WellCare no premium plan so she pays $0. Also, she has Amerigroup Medicaid which is also $0 premium with LTC. All prescriptions are free as well.

[SJhawkins]

I'm just going to toss this out, I'm a good 10 years out from Medicare. Everytime I read posts like these
I half wonder if they could not make this anymore complicated with part A this, part D that, old part F plans, Advantage vs Medagap, etc. Kind of makes my head spin trying to follow it.

Maybe when it's my turn the belly up to the bar I will have a few weeks of time on my hands to figure it out!

It's lucky we have such a wealth of knowledge here to transverse topics like this.

Back to reqular scheduled programming.

[CRLLS]

Quote:

Originally Posted by F.I.R.E User My mother has WellCare no premium plan so she pays $0. Also, she has Amerigroup Medicaid which is also $0 premium with LTC. All prescriptions are free as well.

To be fair, Medicaid is a totally different program from Medicare. I am not expert on Medicaid. from my understanding, one needs to qualify as a low-to no income person to participate.

[sengsational]

Quote:

Originally Posted by Texas Proud .. I still have a few months to go so will be checking this out over the next 6 months

The price is one thing, and the pricing model is another. The latter is more important, IMO. Most offerings are "attained age" pricing model, meaning you can expect big increases as you "attain" a higher age. So this lets them price aggressively for the 65 year old, you might not be doing yourself any favors in the long term. UHC AARP has a modified "issue age" model, where they give you a discount off of the eventual higher price. In NC, only two or three Medigap policies are issue age, which made shopping a whole lot easier.

[pacergal]

We chose an Advantage plan with Kaiser, $0 premium. And I chose to add the $44/mo for dental and vision, since we both wear glasses and I have glaucoma.
So $170 per month for each us, plus the $44 so $428 total.

[zinger1457]

Quote:

Originally Posted by sengsational The price is one thing, and the pricing model is another. The latter is more important, IMO. Most offerings are "attained age" pricing model, meaning you can expect big increases as you "attain" a higher age. So this lets them price aggressively for the 65 year old, you might not be doing yourself any favors in the long term. UHC AARP has a modified "issue age" model, where they give you a discount off of the eventual higher price. In NC, only two or three Medigap policies are issue age, which made shopping a whole lot easier.

Where do you see the pricing model information? I'm looking at the supplement plans available to me from UHC AARP and there are two G plans (regular and select) listed but don't see any mention if it's 'attained age' based or not. The select plan is cheaper but requires you select a hospital network.

[sengsational]

My state (not unique) has a web site with Medigap info. Each plan must be registered with the state to be able to sell the policy. Maybe start with your state's insurance commissioner page.


NC is somewhat unique in that each company may offer only one pricing model.

[fosterscik]

Quote:

Originally Posted by zinger1457 Where do you see the pricing model information? I'm looking at the supplement plans available to me from UHC AARP and there are two G plans (regular and select) listed but don't see any mention if it's 'attained age' based or not. The select plan is cheaper but requires you select a hospital network.

I signed up with the AARP G plan earlier this year. The Medicare.gov site listed all the plans available to me in my zip code and clearly stated that the AARP plans were community rated and not age attained.
https://www.medicare.gov/medigap-sup...g=en&year=2022
I could also have chosen an AARP G select plan, but decided against it. I am actually happy with the doctors/hospital chain I currently use and they would have been available in the select plan. However, as others have commented up-thread, I want to preserve the choice of out of network specialists if I develop future problems. The extra cost is minimal when considered in this light.

[MRG]

We both turn 65 this year and have the AARP UHC plan G offering. Our premium our premium is $211 monthly plus a drug plan for $88. Not in love with this years drug plan but plan G is awesome. Had surgery for a deviated septum yesterday and I had already prepaid my yearly deductible when they called to disclose the billing details.

[zinger1457]

Quote:

Originally Posted by fosterscik I signed up with the AARP G plan earlier this year. The Medicare.gov site listed all the plans available to me in my zip code and clearly stated that the AARP plans were community rated and not age attained. https://www.medicare.gov/medigap-sup...g=en&year=2022

Thanks, the medicare.gov site does list it as 'community pricing', doesn't seem to show that on the AARP site where you get the actual prices.