Social Security & Medicare

progree

(11,837 posts)

39. Please read Medicare.gov's "Choosing a Medigap Policy"

Wed Oct 18, 2017, 02:58 PM

Oct 2017

a free PDF download.

https://www.medicare.gov/Pubs/pdf/02110-Medicare-Medigap.guide.pdf

Some more on the "community rating", "issued age rated" and "attained age rating" stuff (i.e. whether or not you are charged more each year just for getting older, on top of medical inflation of course which is a given) -- I was lucky. In Minnesota ALL plans are community rated (no age discrimination). But in most other states that isn't true, and what's more, I read that it's hard to find out except by calling the plan (and hoping they don't lie to you). Again, you can't switch Medigap plans without losing your federal guarantees so you have to hope and pray you get it right the first time.

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Any Advice For Picking A Medicare Supplement Plan?.... [View all] global1 Aug 2013 OP

I have no idea what to tell you. rwork Aug 2013 #1

You get to change your plan every year, so nothing you choose is set in stone forever. djean111 Aug 2013 #2

The Drug Plan or Part D Is Not My Problem - I Need Help On The Medicare Supplement Plan.... global1 Aug 2013 #3

I am just in my second year, so I don't have a lot of experience. brer cat Aug 2013 #4

This message was self-deleted by its author moonscape Sep 2015 #18

Choose carefully. You can't switch Medigap plans later without losing your federal guarantee progree Oct 2017 #38

Please read Medicare.gov's "Choosing a Medigap Policy" progree Oct 2017 #39

Plan F seems to be the best plan NV Whino Aug 2013 #5

Message auto-removed Name removed Aug 2013 #6

AARP just gets a commission from United Health, the insurance company. hedda_foil Dec 2013 #7

Elizabeth Warren and Bernie Sanders...right on! twirlybird Jan 2014 #9

My Mother had that plan. Turbineguy Sep 2017 #36

Why even bother with supplemental health care? twirlybird Jan 2014 #8

I just realized that I need a supplemental insurance plan. RebelOne Mar 2014 #10

Exactly. Not getting a supplemental or an advantage plan is plain nuts. pangaia Sep 2017 #29

Without a supplemental plan, you better have a stack of cash you can blow. DebJ Mar 2014 #11

You are SO right... ellenrr Jun 2014 #13

Your experience shows the value of being able to change plans. PoindexterOglethorpe Sep 2017 #25

That's poor advice unless you are close to qualifying for Medicaid or have tons of money Hoyt Sep 2017 #28

... greatauntoftriplets Sep 2017 #32

I went with Plan F too. I think it doesn't matter which company, but I can't say I have ellenrr Jun 2014 #12

I Was The Original Poster Here & I Did Investigate All The Companies...... global1 Jun 2014 #14

I agree with you, but didn't have the patience or energy to do what you did. ellenrr Jun 2014 #15

along similar lines.. ellenrr Jun 2014 #16

Thank you for posting this. PoindexterOglethorpe Sep 2017 #26

Humana supplioment JoeLaValle May 2015 #17

Medigap Plan N seems to be the best ErikJ Nov 2015 #19

A lot depends on where you live and your specific needs. PoindexterOglethorpe Aug 2016 #20

I like the Advantage Plans to, especially Kaiser if it's available. Some people Hoyt Sep 2017 #31

Message auto-removed Name removed Apr 2017 #21

MEDICAREFAQ.COM is a commercial site. mahatmakanejeeves Apr 2017 #22

No real recommendation as to company csziggy Sep 2017 #23

I used to do outpatient registration PoindexterOglethorpe Sep 2017 #27

Yes - and they are reluctant and slow to give approval for procedures csziggy Sep 2017 #35

Story here CountAllVotes Sep 2017 #24

I've got Plan F. greatauntoftriplets Sep 2017 #30

Go with Plan F Delmette2.0 Sep 2017 #33

All suplemental plans are required to pay WhiteTara Sep 2017 #34

I recently signed up for plan G SharonClark Sep 2017 #37