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and in a related subject - medigap
Posted by: Fritz
Date: November 30, 2023 02:06PM
pitfa.

spouse took AARPs United plan. Couple years back.
Cradle robber!

I'm looking now. Healthy, familial line of long life.
Never smoking. 10% overweight.
Regular exercise.

def want overseas emergency as I don't plan to sit still.
and hope to keep working as well.
So I'm thinking G

in general, has research shown they're all the same or ...?



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What if the hokey pokey really is what it’s all about?

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Re: and in a related subject - medigap
Posted by: DeusxMac
Date: November 30, 2023 02:12PM
Quote
Fritz
in general, has research shown they're all the same or ...?

smiley-signs006
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Re: and in a related subject - medigap
Posted by: wurm
Date: November 30, 2023 02:19PM
You're going to get more info than you know what to do with. And when you're done reading new replies to this thread, you can search the forum and read through all those replies, then jump onto YouTube and watch clips until your head spins. Of course you can google if you're really bored. Everybody's an expert, but what's right for someone else may not be right for you and vice versa.

I signed up with a Blue Cross Blue Shield Advantage Plan a couple of years ago and so far it's been great. Granted, I'm fairly healthy now. If that changes, yes I may regret having done so, but I knew that going in.
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Re: and in a related subject - medigap
Posted by: GGD
Date: November 30, 2023 02:51PM
Quote
Fritz
So I'm thinking G

You might look at the High Deductible form of Plan G also, premiums are really low, so if you're healthy you'll pocket those premiums you would have paid for the normal G. You still get the big cost savings of only needing to pay 20% of the Medicare negotiated rate for services until you reach that high deductible, which you likely will never hit unless the poop hits the fan, in which case having a fixed upper limit will protect you.

That's what I do, monthly premium is somewhere around $40.
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Re: and in a related subject - medigap
Posted by: rgG
Date: November 30, 2023 02:54PM
Quote
Fritz
pitfa.

spouse took AARPs United plan. Couple years back.
Cradle robber!

I'm looking now. Healthy, familial line of long life.
Never smoking. 10% overweight.
Regular exercise.

def want overseas emergency as I don't plan to sit still.
and hope to keep working as well.
So I'm thinking G

in general, has research shown they're all the same or ...?

I think G is the sweet spot.
That’s what I have.
Also, all G plans are the same, so go for the best deal.
I have the AARP United Healthcare G.
Don’t forget to sign up for the part D prescription plan, even if you don’t have much need now.
There is a hefty penalty if you wait and sign up later.





Roswell, GA (Atlanta suburb)
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Re: and in a related subject - medigap
Posted by: fromish
Date: November 30, 2023 02:58PM
F.

We talked to a number of insurance advisors, read about the coverage and options, and despite the expense for the 'Cadillac' plan. This website compares Blue Shield medigap benefits.

[www.blueshieldca.com]

The costs are based on age rather than community, so they always increase. We have found it more than worthwhile and have received total benefits that are greater than the total premiums we paid.
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Re: and in a related subject - medigap
Posted by: JoeM
Date: November 30, 2023 03:03PM
Quote
fromish
F.

We talked to a number of insurance advisors, read about the coverage and options, and despite the expense for the 'Cadillac' plan. This website compares Blue Shield medigap benefits.

[www.blueshieldca.com]

The costs are based on age rather than community, so they always increase. We have found it more than worthwhile and have received total benefits that are greater than the total premiums we paid.

I don't think F is available anymore: "However, if you become eligible for Medicare after January 1, 2020, you can't purchase a Plan F. Your new go-to plan is Plan G. So, Plan F is being phased out."



JoeM
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Re: and in a related subject - medigap
Posted by: GGD
Date: November 30, 2023 03:05PM
Quote
fromish
F.

We talked to a number of insurance advisors, read about the coverage and options, and despite the expense for the 'Cadillac' plan. This website compares Blue Shield medigap benefits.

[www.blueshieldca.com]

The costs are based on age rather than community, so they always increase. We have found it more than worthwhile and have received total benefits that are greater than the total premiums we paid.

Plan F has essentially been discontinued, it's only available to people who turned 65 before Jan 1, 2020. Plan G is almost identical, except it doesn't cover the standard medicare deductible like plan F does.
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Re: and in a related subject - medigap
Posted by: Fritz
Date: November 30, 2023 03:53PM
can I back date myself? winking smiley

spouse is older but her res is Fla.
Her payment is way lower than my will be from what I've seen so far.

The high G was kind of what I'm thinking.
My only reg visits (so far, knock numbskull) are annual and carotid study.
Have to see how the 2nd would work with high G.
I think my MRP would pick up some part of bi-an dental and annual opti.
At least as much as it does now.



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What if the hokey pokey really is what it’s all about?

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Re: and in a related subject - medigap
Posted by: Fritz
Date: November 30, 2023 04:23PM
here in NYS, the G+ is only available from a few thieves.
Bankers
Emblem
Globe Life
Humana, which is the only one I've ever heard of.

Since AARP is by far they least $$$ with the most to offer, prolly go with their G.



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What if the hokey pokey really is what it’s all about?

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Re: and in a related subject - medigap
Posted by: rgG
Date: November 30, 2023 05:20PM
Quote
Fritz
here in NYS, the G+ is only available from a few thieves.
Bankers
Emblem
Globe Life
Humana, which is the only one I've ever heard of.

Since AARP is by far they least $$$ with the most to offer, prolly go with their G.

Yep. G is G, so go with the lowest cost G you can.
My late husband had F but, as pointed out, it’s not available for new sign ups.





Roswell, GA (Atlanta suburb)
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Re: and in a related subject - medigap
Posted by: Fritz
Date: November 30, 2023 05:41PM
for dummies like me and/or people that can't this 5h1t.
[www.youtube.com]



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What if the hokey pokey really is what it’s all about?

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Re: and in a related subject - medigap
Posted by: S. Pupp
Date: December 02, 2023 06:22PM
I wanted to change from Medicare Advantage to Medicare with Medigap and a prescription plan. The online tool told me I’d spend $200/year on meds. I hit the button to look at the breakdown of costs. One of the meds was listed as $1,200/month. That’s quite a discrepancy.

After spending a day looking at options with conflicting/non-sensical data, I gave up and stuck with Humana Medicare Advantage PPO. I’ll just have to learn to tolerate their twice weekly calls/letters/emails asking me to spend 20% more for my meds by using Centerwell pharmacy.
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Re: and in a related subject - medigap
Posted by: Fritz
Date: December 02, 2023 06:43PM
that example is precisely why my spouse told me Medigap aka Supplemental not Advantage.
Didja look at other providers?
[www.medicare.gov]



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What if the hokey pokey really is what it’s all about?

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Re: and in a related subject - medigap
Posted by: DeusxMac
Date: December 03, 2023 08:39AM
Quote
S. Pupp
I wanted to change from Medicare Advantage to Medicare with Medigap and a prescription plan. The online tool told me I’d spend $200/year on meds. I hit the button to look at the breakdown of costs. One of the meds was listed as $1,200/month. That’s quite a discrepancy.

After spending a day looking at options with conflicting/non-sensical data, I gave up and stuck with Humana Medicare Advantage PPO. I’ll just have to learn to tolerate their twice weekly calls/letters/emails asking me to spend 20% more for my meds by using Centerwell pharmacy.

I've posted the assessment below several times over the past few years when the subject has come up. Hopefully it might be useful.

My father had an Advantage plan, and when he needed to go into a rehabilitation facility, the number which would accept Advantage plans was a fraction of those which took the base Medicare plan.

When looking for an open bed upon release from the hospital, it severely limited his options.

The Social Worker who assisted us at the hospital told me she was going to insist that her father NOT get an Advantage plan when he went on Medicare.
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Re: and in a related subject - medigap
Posted by: Fritz
Date: December 03, 2023 08:45AM
100% what my spouse said.
She is a somewhat retired PT.
Many of her older clients complained about Advantage.
HMOs, for the most part, suck.
They suck your Medicare $ and give nothing in return.
Course, in other western countries ....



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