Can’t afford Medigap Plan F? Think Again

Medicare Supplement Plan F could save nearly $1Million in Medicare deductibles, coinsurance and fees

by Katie Banks+ on Dec 26, 2017 | 118 Comments

Medicare Supplemental Plan F is expensive but it may be worth it

Experts often say that Plan F is the best coverage for seniors considering Medicare Supplement insurance (aka Medigap). It is the most comprehensive coverage which, unfortunately, also makes it the most expensive (Click here to see how much Plan F would cost you in your area). While we know it can be expensive, no one really explains how much Plan F could save you…until now. We have done a back of the envelope calculations on what Plan F could possibly save you. The results are surprising.

Updated on 12/26/2017

Potential Medigap Plan F Savings in One Year:

Here is what Medigap Plan F could save you in one year if you are a senior in need of significant medical treatment:

Your Medicare Part A Hospital deductible: (You could save $6,300)
Medigap Plan F pays 100% of your Part A deductible. Those with just Original Medicare have to pay $1,364 for each 60 day benefit period. This means that if you enter the hospital for a second time after 60 days, you would have to pay that same $1,364 deductible again. Currently one of every five Medicare patients ends up back in the hospital shortly after being released, so this is a distinct possibility. It’s a stretch, but if you entered the hospital 5 times in one year, Medigap could save you 5 x $1,364 = $6,300 on this benefit alone. 

Extra Hospital Stay Costs During days 61-90:  (You could save $9,450)
If you stay in the hospital for more than 60 days, you have to pay $335 per day in coinsurance Original Medicare fees. If you get a Medigap plan that covers this benefit, you would save 30 days x $335 per day = $9,450 in one year. 

Extra Hospital Stay Costs for Over 90 days: (You could save $919,300)
You have to pay $670 per day coinsurance per each “lifetime reserve day” after day 90 in the hospital with traditional medicare. You only get 60 lifetime reserve days without a Medicare Supplemental plan. Medigap Plan F would pay the $670 per day benefit which would save you 60 days x $670 per day = $37,800 immediately. Also it would extend hospital coverage for an additional 365 days. The price of these additional days can vary, but could cost as much as $4,100 a day (Money Magazine). The additional hospital days beyond your Medicare lifetime reserve days could be as high as 215 remaining days x $4100 = $881,500 if you spent the rest of the year in the hospital. Wow!

Skilled nursing cost from day 21 through 100:  (You could save $12,560)
You would have to pay $167.50 per day for days 21-100 if you didn’t purchase a Medigap plan with this benefit. This works out to 80 days X $167.50 =$12,560 that you would not have to pay with plan F.

Your Medicare Part B deductible.  (You could save $185)
This amount is only $185 but you will not have to pay it if you purchase Plan F Medigap.

Doctor Fees.  (You could save $100s)
Traditional Medicare expects you to pay 20% of doctor fees. This is the most difficult benefit to quantify because the cost of the doctor visit depends on the services you need. Plan F pays that 20% for you and will pay 100% of any fees your doctor may charge beyond the Medicare reimbursement rate. This is called Part B excess fees and, without this Medigap benefit, if a doctor wanted more than the reimbursement rate you would have to pay for it out of your own pocket. Exact savings here for someone with Plan F is unclear but could be substantial depending on your medical needs and what you doctor charges.

Blood:  (You could save $450)
Traditional Medicare does not cover the first 3 pints of blood. We are not sure exactly what this costs but a good guess would be $150 per pint. Plan F covers this benefit so it would save you $150 x 3 = $450

Foreign Travel:  (You could save $50,000)
Traditional medicare doesn’t cover any foreign travel benefits. Plan F would save you up to $50,000 of foreign medical expenses.

Total up all the above additional costs covered by Medigap plan F and you have over $998,207 in cost not covered by Traditional Medicare. Now, it would be nearly impossible to have all those expenses in one year but you can see that if you had serious health issues and didn’t have plan F Medigap, the cost would add up.

Plan F Next Steps

1) View complete list of Medigap Plan F benefits.
2) Click here to see what Medigap Plan F would cost in your area
3) Questions: Leave a comment below or call an agent at 800-930-7956

If after completing steps 1 and 2 above, you feel you cannot afford the Plan F monthly premium, you can learn about Medigap Plan F alternatives here. As always, if you have any questions, please call us at the number above and we would be glad to review your options.

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Reader Comments and Questions

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By Larry on March 14, 2019

Could you clarify the medicare "approved-amount" costs for services and how that may affect my decision to choose high F/G vs regular F

Hello Larry,
The Medicare-approved amount is the amount of money that Medicare will pay a health care provider for a medical service or item.

After you meet your Medicare Part B deductible ($185 per year in 2019), you will typically pay a percentage of the Medicare-approved amount for services and items covered by Medicare Part B. The "approved-amount" varies by procedure.

-Chris from Senior65.com


By Mike on August 13, 2018

I work and have enrolled in Medicare plan A. Will I be able to enroll in Plan F after Jan 1, 2020? I heard that it is being discontinued after that. I heard from one source that current Medicare enrollees would be able to get Plan F after 1/1/2020, another that only people currently in Plan F would be able to keep it.

Mike

Here is the official language from Medicare's 2018 guide:
"Starting January 1, 2020, Medigap plans sold to new people with Medicare won't be allowed to cover the Part B deductible. Because of this, Plans C and F will no longer be available to people new to Medicare starting on January 1, 2020. If you already have either of these two plans (or the high deductible version of Plan F) or are covered by one of these plans prior to January 1, 2020, you will be able to keep your plan. If you were eligible for Medicare before January 1, 2020 but not yet enrolled, you may be able to buy one of these plans. "

The question is would you still want a Plan F if plan G can save you money now and will have a younger pool of members after 2020. Give us a call and we can help you weigh your options.
-Michelle from Senior65.com


By jeannette on April 21, 2018

Why do the premiums for medigap can be different depending where you live. We all paid into social security, should medigap be priced the same for all people. If you have medigap F can you change to G without medical information.?

Jeannette,
Medicare Supplement (AKA Medigap) is offered by private companies and they are allowed to set their rates based on region. The money to pay for claims under these supplementary plans does not come directly from Medicare but rather by the premiums of its paying members. Increases to Medigap rates usually have to be approved by a state insurance commissioner.

For your second question: Unless you live in certain states (NY,CT, MO, CA for example), it would require a new application with Medical information to move from F to G.

If you need help selecting F or G or enrolling in a plan, please contact us. -Eric from Senior65.com


By Pam on February 02, 2018

If my husband who is turning 65 in May is thinking he will initially sign up for the Supplement Plan N. If down the road he feels he need more coverage, and wants to get Plan G instead...is that something he can do easily? How is the done?

Pam,
It's not always easy which is why we recommend selecting the right plan during your initial enrollment. Check out our Switching page which explains it all. Give us a call to discuss your husband's options or to enroll in a plan.
-Michelle from Senior65.com


By Sarah on January 02, 2018

In many cases, Plan G is more cost-effective than Plan F. The only difference between F and G is that F pays the Part B deductible and G does not. To figure which one will cost less over the course of year, just do the math. For Plan F, multiply the monthly premium by 12. For Plan G, multiply the monthly premium by 12 and add the Part B annual deductible. Then compare the two. Additionally, since no new Plan F policies (including F-High) will be sold as of 2020, premiums for those who continue with F or F-High will likely go up, possibly a lot, in the years after 2020. Unless you live in one of the handful of states with special rules (such as California's Birthday Rule), you'll have to go through medical underwriting (answer health question) if you later want to change plans. That could result in higher premiums or even denial. So if you're turning 65 or fall under a guaranteed issue situation, you may want to take a close look at Plan G.


By neville on November 20, 2017

Hi ! am 82 and my wife is 80 and we have just got part A and have to wait until July 2018 to get part B. Is their an age limit to get a Medigap Policy and are the premiums more than for a younger person ? We can only enroll on 1 July for a policy????? THANKS

Neville,
Thank you for your question. There is no age limit to a Medigap policy but usually older members pay more than younger clients. You will have to wait until your part B is effective to enroll in Medigap. You can get prices here https://www.senior65.com/quote and you can confirm your deadlines here: https://www.senior65.com/medicare/deadline-calculator
.
We can help you enroll over the phone.
-Eric at Senior65.com


By Susan on November 02, 2017

I am starting Medicare in December; I went the Original Medicare route and purchased the High Deductible Plan F through you guys.

To understand how it would work if I instead had the regular Plan F.... say I go to the doctor and his fee is $100. In this instance I think I would pay nothing, the doctor would bill Medicare.... Medicare would send him $80, I would receive a "Medicare Summary Notice" outlining what was paid and not. I would then submit that form to my supplemental insurance company (in this case Globe Life), and they would pay the doctor the remaining $20. (I know it may not be that simple but is that the gist of things.)

So assuming I have the above correct, with the F+ plan... when/how does my deductible get paid? Would I wait for the Medicare Summary Notice (which says "this is not a bill") and then pay the doctor the $20.... would the doctor bill me.... would Globe Life bill me... or what. Sorry this is confusing, thanks.

Susan!
Great to hear from you again. Your example above is accurate except you usually don't have to submit any reimbursement forms when you have a traditional Plan F. You just show your Medigap card and your doctor will bill Medicare and your insurance plan for directly.

When it comes to Plan F high deductible it works differently. Typically most insurance providers alert you to what amount you owe and then you pay that amount to the doctors office. Once you have satisfied your High F deductible, then your insurance provider will cover all deductibles and coinsurance for the remainder of the calendar year.

Hope that helps.
-Chris from Senior65.com
P.S. I think you may be the first active senior65 client to hit us up on our web questions page. Please feel free to email or call us directly with any additional questions :)


By Lily on November 02, 2017

I am 60 years old and get medicare for a disability. I reside in North Carolina. I enrolled in Plan J during my open enrollment period in 2004. Plan J is no longer offered and, while I am grandfathered in, it is getting more and more expensive.

I want to switch to a Plan F but BCBS , my carrier, will keep me on the Plan J (they have to) but will not sell a Plan F to a disabled recipient of medicare. How can I get a Plan F or at least reduce my premiums which are $654 a month!! Thank you so much!

It will be hard for you to switch to Plan F until you turn 65 and hit your initial enrollment date. If you cannot afford your current plan J (which is very expensive), we suggest you consider a Medicare Advantage plan for the next few years. We can help you find a plan.
-Michelle from Senior65.com


By Charlie on November 01, 2017

I have Plan F medigap coverage (as does my wife - each coverage is with a different company). If we move within the state (NY) doe we need new cooverage or an we continue paying our monthly premiums and continue with our current coverage?

Charlie,
Typically when you move within the same state, you do not need new Medigap coverage. If we are listed as your agent, give us a call and we can update your address with each carrier and confirm next steps.

If you are not currently working with Senior65 as your agent, we suggest you call your current carriers directly.
-Eric from Senior65


By Steve on October 05, 2017

When excess charges are received after the deductible is reached in High Plan F, what are the mechanics to pay that doctor? Does the doctor bill the insurance or do I pay it and submit the bill for reimbursement?

Steve,
The doctor bills the insurance plan.
-Chris from senior65.com


By gary on October 01, 2017

Is Anthem discontinueing the F plan

Gary,
Anthem is not discontinuing plan F. Plan F will not be available to those new to Medicare in 2020 regardless of the insurance provider.
-Chris from Senior65.com


By Harold J on September 29, 2017

I turn 65 in a couple of months and am expecting my medicare card to automatically be sent as I am currently on social security. My question: We currently own homes in Florida and North Carolina, however our Florida home received water damage from hurricane irma and we are debating whether to sell after repairs and live full time in NC. I am planning to purchase medigap plan F but wanted to understand advantages and disadvantages of purchasing in Florida vs North Carolina. Still have doctors in Florida and not sure whether coverage across state lines is universal....i.e. Doesn't matter where you purchase or where you live you are covered everywhere? Thanks

Harold,
It doesn't matter where you purchase a Medigap plan. You are covered everywhere. Please give our office a call to discuss why specific advantages of one state over the other.
-Chris from senior65.com


By Beaver on July 23, 2017

My husband (age 82) and I (age 80) have been on SS, with deduction for Part A Medicare, since June 2002. We reside outside of the U.S. and have not used any medical benefits. We are both in good health, non-smokers and do not consume alcohol. Our plan is to move to Dallas, Tx in 2018. Would Plan F be sufficient coverage for our consideration and what would be the approximate monthly cost in area code 75231? Please advise and thanks.

Welcome back to America!!!! I would compare both Medigap plan F and Plan G to see which one will be the best fit based on price and benefits. You are looking at a rough ballpark of $150 to $200 a month each for one of these Medigap plans. We would love to help you narrow it down to the right plan. There is no cost or fee for our service.
-Chris at https://www.senior65.com


By Larry on June 06, 2017

I will soon be 65, but my wife is 3 years younger. Do agents sell some form of combined medicare coverage for me and regular coverage for her, or will it be best to wait until she is 65 as well to retire? I can continue to work and have included in my family plan.

Larry,
When you turn 65, you can enroll in Medicare and a Medigap or Medicare Advantage plan. Your wife will enroll in an ACA compatible plan. Our Senior65 licensed independent insurance agents are able to help both you and your wife enroll in a health plan. Call 800-930-7956.
-Chris from https://www.senior65.com/


By Cerise on March 01, 2017

I worry about my doctor and how much he makes. It seems many doctors are switching to concierge practices. Are they doing that because they are getting paid so little by Medicare patients? I have Medicare Supplement Plan F.

Cerise,
Medicare beneficiaries have the largest network of doctors and hospitals in the country. In fact, you will find that most doctors and facilities accept Medicare assignment. Of course, you will find some concierge doctors because patients are willing to a lump sum to see a specific doctor, but this is by far the norm.
-Amy from https://www.senior65.com/


By Pauly on February 11, 2017

Is the cost of Medicare Part B included in Plan F?

Pauly,
While Medicare Supplement Plan F covers the out of pocket gaps that Part B leaves, it does not cover the monthly premium of Medicare Part B. If you need help finding a Medigap plan call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Michelle from https://www.senior65.com/


By gmanzo on February 08, 2017

The reasons you give for buying plan F (usually the most expensive plan) also apply to plan G. The only difference is that you have to pay the Medicare Part B deductible (a total of $183 in 2017) if you have plan G. Otherwise, all of the benefits of plan F are also offered in plan G and therefore, plan G can save you just as much money (except for the $183 deductible). Or am I missing something important?

Gmanzo,
You're not missing anything! Years ago, Plan F's monthly premium was way more competitive than Plan G, but now Medigap G is many times the better deal. We definitely recommend going with Plan G if it is cost effective now and in the future. If you need help enrolling in a Medigap plan call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Chris from https://www.senior65.com/


By LSchank on January 21, 2017

My husband who is now 70 did not get a supplement with his Medicare at age 65 because he also was a veteran and had no health issues. VA has not been a good experience and we recently checked into a medigsp policy however has since been diagnosed with spinal stenosis and will have surgery next week. Are there policy''a after recovery that will cover this without being too expensive

LSchank,
In most states, it will take a bit after surgery to be approved for a Medigap policy. When he's been out of the hospital for 90 days, have him give one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Michelle from https://www.senior65.com/


By Cindy on January 06, 2017

To add to my question on January 4th. Would the doctor that is subcontracted have to accept Medicare? Before I was 65 and eligible for Medicare, I had outpatient surgery and the subcontracted doctor did not accept any insurance coverage and I had to pay his bill 100 percent. Is Medicare the exception to the rule for these doctors? My surgical doctor could not give me an answer about this.

Cindy,
If a doctor agrees to see you, and you have Medicare, but they don't generally accept assignment they can charge excess charges. If you have Medigap Plan F and G they cover your excess charges. With that said, you will want to confirm all coverage with Medicare and your doctor.
-Eric from https://www.senior65.com/


By Cindy on January 05, 2017

I will be having a preventive colon procedure. My doctor accepts Medicare assignment at her facility, but she has to bring in an anaesthesiologist to administer the drugs. Will that doctor be required to accept Medicare as well, beings he will be subcontracted in that facility? I am on the F Plan.

Cindy,
While your anesthesiologist may be required to work with Medicare, they may also be able to charge excess charges. However, Plan F covers Part B excess charges, so you should not have any out of pocket expenses for your doctors.
-Michelle from https://www.senior65.com/


By Anita G. Bosak on January 02, 2017

I want to go to counseling for severe anxiety. Do I need a referral from my medical doctor? I have Medigap Plan F, or do I just choose a Medicare coverage doctor on my own?

Anita,
With Medicare, you do not need a referral to see a specialist.
-Chris from https://www.senior65.com/


By Howard on December 18, 2016

I have read a lot about the F vs G vs F-HD comparisons. In my market (zip code) the price of G is less than the Part B deductible making it seem F is a better deal. But with F sunsetting in 2019 won't the price increases for F go up much more than G because the actuarial pool for F will be getting older, smaller and sicker? That is why I am thinking of going with G. I think the future price increases will be less. Am I wrong?

Howard,
Thank you for your question. Unfortunately, no one knows how Plan C and F will cost for grandfathered enrollees after 2020. However, we would our Senior65 licensed independent insurance agents would be happy to help you decide between F and G. Please call 800-930-7956.
-Chris from https://www.senior65.com/


By Sam on December 15, 2016

I am 70 years and turning 71 in February 2017, if I get medigap plan G from January 2017, will I pay based on age 70 for the whole of the year 2017 or will I see an increase in Feb. 2017 when I reach 71? When does Medigap change (increase) the premium in a given year?

Sam,
Not all plans increase their rates every year or at the same time each year, (rarely)some companies actually decrease their rate from the previous rate. We would need a little more info to answer that question for you. For an idea of historical rates for and in the near future call one of our Senior65 licensed independent insurance rates at 800-930-7956.
-Chris from https://www.senior65.com/


By Jeanette on December 06, 2016

I have already started Medicare part A & B but I am still working. I started Part B in Oct 2016. I am still working and have my employers insurance as Primary and Medicare part B as secondary. Does the 63 day special enrollment period apply to me when I stop working since medicare is secondary? My concern is I don't want to let the current 6 month open enrollment period pass if the 63 day special enrollment doesn't apply to me.

Jeanette,
Since you have creditable coverage and decided to not delay Part B (which you could have and not have had to pay the monthly premium), you will be only get 63 days, not the 6 month enrollment that someone who had delayed Part B would get. The other thing that will happen is you are not eligible for guaranteed issuance into all Medigap plans, rather you will have smaller group eligible. To learn more about which plans you are eligible for, call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Michelle from https://www.senior65.com/


By LLeary on November 07, 2016

If enrolled in a MA plan and now want a MG plan such as Plan N or F, will there be medical questions? Who typically would be denied? Patient's that have been told they need major surgery? If excepted for Plan F, can one go back to their MA plan if they see they are unable to pay premiums that may escalate? Please respond. Big decisions to be made. Thank you.

LLeary,
Most likely you'll need to go through medical underwriting to switch from Med Advantage to Medigap (unless it's your first year or you have another qualifying event). If a patient has been told that they will need a major surgery, most companies will deny coverage. However, some companies make it easier than other companies to enroll in a Medigap plan. We'd be happy to help you navigate this, please call one of our Senior65 licensed independent insurance agents at 800-930-7956.

Lastly, yes, you can always switch back to a Medicare Advantage, as long as you don't have ESRD. Hope this helps!
-Michelle from https://www.senior65.com/


By Dominic D. on November 06, 2016

I'm 86 have Medicare Part A and Part B as well as Tricare for Life. Do I need to purchase a Plan F policy?. Since Tricare has Rx coverage I wouldn't have to purchase a part D policy. I think the only negative is that Tricare will only pay up to 150 days of Hospitalization and I don't believe they would cover 'Part B Excess Charges' where a Plan F would. Do recommend getting an OHI Plan F policy as well?

Dominic,
Most likely you will not need both, however, you will want to contact the VA, as we are not VA experts, and we defer all VA coverage issues to be directed to them.
-Michelle from https://www.senior65.com/


By Denise K on November 03, 2016

I am currently on SSDI. I will be turning 65 in June of next year and am eligible for medicare in May. I am wondering if I will be able to add a Plan F policy or any of the others for that matter because of the disability? And if so does it generally cost more. My disability has to do with an ataxic condition that no longer allowed me to be on my feet, however I don't have any high risk conditions. Thank you

Denise,
Even if you have had a disability, when you turn 65 you'll enter your Medigap 6 month initial enrollment period. This will allow you to enroll in a plan without having to go through medical underwriting. If you need help finding a plan call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Michelle from https://www.senior65.com/


By Lois Maranchick on October 26, 2016

Can I switch from Plan F High Deductible to Plan F without underwriting?

Lois,
Unfortunately, you must go through medical underwriting to switch from Medigap High F to Plan F. If you need help switching, we consider ourselves the switching experts, so give one of our Senior65 licensed independent insurance agents a call at 800-930-7956.
-Chris from https://www.senior65.com/


By Brenda on October 22, 2016

I'll be 65 in November 2016 and my agent wants to sign me up for Plan G. My husband has Plan F so he's pushing for Plan F. I'm not sure which to select. Any help will be greatly appreciated. Thanks,

Brenda,
The only reason to enroll in Medicare Supplement Plan G over F is if Plan G's annual cost, after paying your Part B deductible, is less than Plan F's annual cost. We can help you enroll in either plan. If you would like to work with one of our licensed independent insurance agents, call 800-930-7956.
-Amy from https://www.senior65.com/


By Dennis Cory on October 21, 2016

I have a quote of $167.42 per month for plan F (I'm 69 and just enrolling in Medicare now). The MA alternative has no monthly premium and an out-of-pocket cap of $3,200. Since my health is excellent, it's very unlikely that my out-of-pocket costs would amount to even a $1,000, a substantial savings over paying the plan F premiums every month. In addition, the MA plan has dental, vision, and hearing insurance. What's the advantage of plan F?

Dennis,
The main advantage of Plan F, or any Medigap plan, for that matter, over Medicare Advantage, is the network. With a Medigap plan, you can see any doctor in the nation or its territories, as long as they accept Medicare assignment -whereas with an MA plan you usually have a limited, local network, which can prolong wait times. In addition, Medigap plans are generally less expensive if you have a serious injury and illness, than a Medicare Advantage plan.

If you need any further help deciding between the two, please give one of our Senior65 licensed independent insurance agents a call at 800-930-7956.
-Chris from https://www.senior65.com/


By Christopher Putnam on October 07, 2016

Why dose it cost so much for a supplemental plan? Many plans want me to pay the same amount I payed for health care 100% prior to going on Medicare.

Christopher,
Medicare Supplement plans can be a little pricey, but remember that with a Plan like Medigap Plan F you will have 0 out of pocket costs, after your premium, as long as Original Medicare covers the treatment, service, or equipment. They ultimately can save you a lot of money.
-Chris from https://www.senior65.com/


By Harvey on October 06, 2016

Will the high deductible plan F also not be offered after 2020?

Harvey,
Unfortunately, Medigap High F will not be offered after 2020.
-Chris from https://www.senior65.com/


By James Perry on September 29, 2016

My Medicare Advantage plan is being discontinued in 2017. I notice plan F for 155.00 per month. Is there a chance my premiums will keep going up or is that a guaranteed amount? I am 69, have diabetes, but it is under control. I do take insulin and on meds I go through the donut hole and into catastrophic coverage.

James,
If you were to switch to Medigap plan, most plans increase their rate each year. If you're interested to see how plans have historically increased their rates call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/


By douglas von Ins on September 18, 2016

I am 68, and a veteran, receiving all of my care through the VA. When I turned 65, a local insurance agent talked me into getting an advantage plan through Humanna, with no premium. I'm starting to have second thoughts about this, because it's a ppo, and I feel they might have way too much control, if I have to go to the hospital in an emergency. Plus the copays and out of pocket maximums keep increasing. We have a local Va clinic, but no VA hospital close by, and the VA and medicare don't play well together-if you get my meaning. I'm wondering if I might be better off just getting a medigap plan G, and not have to wonder about the insurance company making decisions not in my best interest?

Douglas,
With Medigap Plan G you'll have a lot more freedom with doctors and hospitals, and you'll be able to plan your out of pocket costs -as you only pay your premium and your Part B deductible annually. If you need help finding a Medigap plan in your area, please call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/


By carol on September 12, 2016

Does a combination of medicare part b and medigap plan f allow me to see a doctor whever I feel I need to? I keep reading you get your welcome to medicare visit and one wellness visit a year, and it sounds as if that may be the only time you can see a doctor. I am confused, because advantage plans let you see a doctor as much as you desire. However, I prefer plan f because you can see any doctor who participates in medicare, anywhere in the country, which advantage plans do not allow. Thank you, Carol

Carol,
Sorry for the confusion! With Medicare and a Medicare Supplement, you can see any doctor who accepts assignment or agrees to see you, at anytime, and as many times as you need. As well as, you don't need referrals for specialists.

Welcome to Medicare and your annual exam are are benefits that any Medicare beneficiary has, and in no way limits your access to doctor's visits. If you need help deciding on your Medigap plan, call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Chris from https://www.senior65.com/


By Suzette on September 02, 2016

I can't decide whether to get Plan F or HDF. What should I consider in making the determination? How do I determine which plan I best for me.? Thank you.

Suzette,
When deciding between Medigap Plan F and High F, you'll want to consider the following:
  • Amount you can afford each month
  • You may have to pay the entire high deductible at once if you have an emergency/serious illness
  • If you have health issues, High F, generally, will cost you more annually
  • You may want to consider Plan G or Plan N, if you want to save money each month over Plan F, but want less out of pocket costs than High F

For more help determining the best plan for you, contact one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/


By Vivian Collins on August 31, 2016

AM I understanding this right. If you get plan F it is not hard to get planG. But not the opposite. I thought that if you are applying for the first time during the 6 month period when you are eligible that the company had to accept you without question about pre existing conditions?

Vivian,
Unfortunately, this is not true in most states. Unless your state has a guaranteed Medigap switching rule, you will have to answer medical questions anytime you want to switch to any Medicare Supplement plan, regardless if it has equal/more/lesser benefits.

You are correct about your initial enrollment period. You do not have to go through medical underwriting, therefore you cannot be denied or charged more for preexisting conditions, at that time.

If you need help choosing a Medigap plan, contact one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Eric from https://www.senior65.com/


By David on July 08, 2016

I am looking at a high deductible plan F. Does this plan F or any of the medigap plans have an out of pocket maximum? If not how could I calculate a maximum? Thanks for your answer.

David,
Most Medigap plans do not have a max out of pocket. However, this can be misleading because Medigap only covers what Original Medicare covers (with a few exceptions). Here are a few examples if you went beyond your Medicare-approved 100 days of Skilled Nursing Facility care, you would pay 100% out of pocket, same applies if you went beyond your Medicare-approved cap for physical, speech, and/or occupational therapy, as well as, if you exhausted your 365 additional hospitalization days. So, while there is not technically a cap, you could have out of pocket expenses.

If you need help finding a Medigap plan, call one of our licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/


By Marvallene Lapp on July 05, 2016

I am 66, will be 67 in December. I have Plan G which is great but I am considering changing to Plan F+ in Dec. What companies carry Plan F+?

Marvallene,
Thank you so much for your question. We'd be happy to help, but we would need to know a few things first. 1) Are you looking for Plan F High Deductible or Plan F Select? 2) We would need your zip code, DOB, and county. Please contact one of our Senior65 licensed independent agents at 800-930-7956 to help you find the right plan for you.

You can also get a Medigap quote here.
-Eric from https://www.senior65.com/


By Darlene on July 01, 2016

I am about to turn 65 and trying to decide the best Medicare plan for my situation described below: - I have Federal insurance (PPO)for my husband and I. I carry this insurance as a retired Federal worker. - I have many health issues (diabetes, high blood pressure and cholesterol, sleep apnea, fibromyalgia, etc.) and would be considered high risk for insurance companies. - My husband is 58 yrs old. He could get insurance through his work but, that is risky now because the company has and will continue to be laying-off employees. Questions: - Should I get a Medigap policy for myself and drop my insurance, which would render my husband uninsured? - What options do I have to ensure that my husband is insured until he turns 65? - If I keep my current (PPO) insurance, plus enroll in a Medigap plan how would that affect me? I, in essence, would have 3 insurances.

Darlene,
Thank you for your question, and the details to help us give you an informed opinion. First, you do not need, nor can you have job-based insurance and a Medigap plan. We know you're worried about your health conditions, but you would have guaranteed issuance into a Medigap plan when you are first eligible for Part B.

So, the first thing you want to do is decide if you want to keep your job-based insurance or enroll in Medigap. We would be happy to help you make that decision, please call one of our licensed independent insurance agents at 800-930-7956.

The positive news is, if you do decide to go with a Medigap policy, your husband will not be left without insurance, even if he is let go or not covered through his work. Remember he can enroll in an Obamacare on or off exchange plan. We can help him enroll in an individual plan, too.

Hope this helps! Please let us know if you have any further questions.
-Chris from https://www.senior65.com/


By Barb on June 23, 2016

FALSE: '...pay 100% of any fees your doctor may charge beyond the Medicare reimbursement rate. This is called Part B excess fees and, without this Medigap benefit, if a doctor wanted more than the reimbursement rate you would have to pay for it out of your own pocket.' TRUE: Part B excess charges only apply to providers who do not accept Medicare assignment. If a provider accepts Medicare assignment, they cannot charge an excess charge


By Jim on June 10, 2016

If I am out of the U.S. And I have major medical occurrence (in excess of $200k) is there ANY supplemental insurance available for coverage over Medicare (which I assume covers nothing out of U.S.)

Jim,
Quite a few Medigap plans cover foreign emergency travel care up to 50k. We don't know of any Medicare Supplement plans that cover more than that. To find a Medigap plan in your area that offers foreign emergency care call one of our licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/


By Bill on May 31, 2016

My wife and I have a joint healthcare policy from the Marketplace, healthcare.gov. She is on Social Security disability, and she will automatically be enrolled in Medicare on July 1. I tried to get answers to two questions, but the Marketplace insurance company said to call the Marketplace, and the Marketplace said to call the insurance company. (pointing fingers at each other). 1) I need to pay my single premium (for July) near the end of June. I don’t know the amount (I’m guessing roughly the joint premium divided by two?). 2) I need to keep my wife on the marketplace insurance all the way through June, and cancel on the 30th??, assuming Medicare kicks in reliably on July 1. If instead, I cancel sometime on July 1, I may lose roughly $600 for her and not get this refunded from the insurance company.

Bill,
Believe me, we know it's a lot of back and forth when dealing with the marketplace and an insurance company. However, you only need to terminate your wife's insurance through the Exchange for July 1st. The Exchange should be able to help you with this. Only do this if she has received her red, white, and blue card from Medicare. You should not have to go directly to the company, as it was purchased through the exchange. Then you will receive an exact amount of what you owe. If you wife needs help with a Medicare health plan tell her to contact one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/


By Sonja Brown on May 22, 2016

My Husband and I are both on medicare and a Plan F - He is 76 and I am 72 - the cost of this Plan f is expensive for us - we don't do much monthly after, we pay for this and pay our bills - Is their a more reasonable option to supplement the medicare - we both have some health issues - afraid not to have the F plan for you don't have know what tomorrow will bring - We live in an area with limited health care and doctors.......... I guess this sounds unreasonable

Sonja,
Not unreasonable, at all! There are a few less expensive plans that might be a good alternative to Plan F:

Remember, in most states, if you want to switch your Medigap plan you'll have to answer medical questions and could be denied for preexisting conditions or charged more. With that said, we consider ourselves the switching experts, please call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/


By J.C. Eaton on May 11, 2016

I will be 65 in July 2016. I am still working full time and have private insurance through my employer.I am not filing for social security until July 2017, and plan to still work full time before retirement. My question is, do I need to enroll in Part A and B and part F if I want to have these when I retire 3-4 years from now to avoid penalty. Also, do I need to enroll in Part D also even though my employer covers health insurance and has a prescription plan to avoid penalty. Since not collecting social security are these costs bank drafted? Do I sound confused?lack

J.C.
Believe us, we know how confusing the transition to Medicare can be. We have a few articles that will help you with this:

Do you Need Medicare Part B?
Can I Sign Up for Medicare if I've Delayed Social Security?

And, we've answered your question on this page: Should I Delay Enrolling in Medicare?

-Eric from https://www.senior65.com/


By Darlene on April 20, 2016

I appreciate your Medigap F plan. I can read all benefits list also. Will you please more elaborate the urgent care charges ???...

Darlene,
Medigap Plan F covers 100% of your urgent care out-of-pocket costs (Part B deductible, copays, coinsurance, and excess charges are fully covered). If you need help enrolling in Medigap Plan F, please call one of our licensed independent insurance agents at 800-930-7956.
-Eric from https://www.senior65.com/


By Shannon on April 16, 2016

In my post of earlier today, your response was that Plan F was superior to the current Plan I that my husband has because it pays for hospice copays and a few other things. My question is this: If my husband wanted to switch from Plan I to Plan F would he have to undergo medical underwriting questions? He has had diabetes for years and I don't believe he would probably qualify. I thought you could change plans as long as you were going down to a lower plan and not up. In our case would Plan F be considered going up from I? He's been covered by a plan of some kind since he was 65.

Shannon,
Thanks for writing back! In most states, you will have to undergo medical underwriting to switch a Medigap with less or greater benefits, unless you live in a state that offers Medicare Supplement guaranteed switching right. If you do not live in one of those states, since your husband has a preexisting condition, and we consider ourselves the Medigap switching experts, you should call one of our licensed independent insurance agents at 800-930-7956. We can help him figure out a company that has a more lenient application process for his specific condition.
-Eric from https://www.senior65.com/


By Shannon on April 15, 2016

My husband has Plan I which has not been offered for several years now. Is there any reason to switch from it to Plan F? How do they differ in what's covered? Unfortunately since I is no longer offered you can't do a side by side comparison of benefits as no one lists it anywhere to coompare. If plan I is superior, there is no reason to change it.

Shannon,
Plan I does not cover the Part B deductible, certain preventive care, and hospice copays/coinsurance. Plan F covers all the above costs. So, if F saves you more money, than it is worth switching to. To learn if Medigap Plan F is right for your husband call, please call one of our licensed independent insurance agents at 800-930-7956.
-Chris from https://www.senior65.com/


By Shannon on April 15, 2016

Which is the superior plan F or G. If G is better, why does it require medical underwriting and anyone can get F?

Shannon,
Medigap Plan F covers one more benefit than Plan G (F covers your Part B deductible, G does not). Both, F and G are guaranteed issuance during your initial enrollment period. After your initial enrollment period both require that you undergo medical underwriting. Only in one circumstance is F guaranteed and G is not, that is if you enrolled in Part B when you first turned 65 but continued with job-based insurance, when you leave your job-based insurance you will have guaranteed issuance to F, but not G (federal rules). To learn more about Medigap F and G call one of our licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/


By Robert Poirier on February 16, 2016

I just turned 65 in Jan 2016 and in good health, but on fixed income. I was thinking plan N, rather then costly F. Other than the possible 15% from doctors for excess charges and paying part B deductible, is there any other advantage to F versus N?

Robert,
Besides the benefits that you have stated that Medigap Plan F covers that N does not, Plan N also requires you to pay copays for certain doctor's office visits and emergency rooms. To learn more read our article Medicare Supplement Plan N Vs. F.
-Eric from https://www.senior65.com/


By Nancy on February 15, 2016

I will be 65 this year and I'm planning to get Medigap Plan F. I live in California and am thinking about moving to Indiana in 5 or 6 years. If I make that move in 2021 or 2022 will I be able to get a Medigap Plan F there?

Nancy,
If you have Medigap and relocate to another state, you will keep the plan you're currently enrolled in. The rate for your policy will be adjusted to your new zip code.

Remember that no new Medigap Plan F plans will be sold as of 2020, but you will be able to keep your current plan. Hope this helps!
-Michelle from https://www.senior65.com/


By Charles on February 11, 2016

Question: I currently have plan F, and I understand that come 2020 plan F will no longer be offered but existing plan F policy holders will be grandfathered in but will not get the deductible paid anymore. There also is speculation that the cost of plan F could skyrocket. My question comes from what options would I have to get into a different plan if the costs of plan F jump? Currently I am getting monthly eye injections for macular degeneration that run $3000, of this between Medicare and my plan F, I pay nothing for these shots.. I also have high blood pressure which is under control with medication. I would expect that with these pre-existing conditions, my chances of changing plans without screening are slim. Any ideas?

Charles,
Medigap Plan policy holders that are enrolled before December 31, 2019, will keep all the benefits, including having their Part B deductible covered, after 2020. So, you don't need to worry about that. As for the speculation that Plan F premiums will skyrocket, we cannot say what the prices will be, but in 2010 when legacy plans were discontinued, those clients did not see a significant increase, and we can only hope that pattern continues.

As for your preexisting conditions, there are certain companies that make it easier to switch Medigap policies, and some states have certain guaranteed issuance periods outside of your initial enrollment period. We suggest you call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/


By Jackie Parucha on February 11, 2016

I am applying for Medicare and shopping for supplemental coverage since I will turn 65 May, 2016. I do not plan on claiming my Social Security benefits till I am 66. Do I have to pay more than the $104.95 for the Part B premium? I was told that I would be billed for the premium since it cannot be drawn from Social Security until next year.

Jackie,
Whether or not your took your Social Security benefits you will pay $121.80, because you are new to Medicare. For further explanation, check out Medicare 2016 Costs at a Glance article. -Chris from https://www.senior65.com/


By Darlene on February 10, 2016

Does plan F is for senior citizens only? At what age one can enroll for Plan F.

Darlene,
Medigap is not only for Medicare beneficiaries over 65; some companies, in some states, offer Medigap to those on Medicare that are under the age of 65. With that said, not all companies will offer Plan F. Hope this helps!
-Chris from https://www.senior65.com/


By Kim on February 04, 2016

In an answer above it says that plan G is not guaranteed issued so you will go through medical underwriting to be approved. But I heard that if you are turning 65 and enrolling for the first time, you don't have to go through underwriting. Please clarify, thank you.

Kim,
Medicare Supplement Plan G is guaranteed enrollment during your initial enrollment period; however, if you enroll during Special Enrollment Period, Plan G may not have guaranteed issuance.
-Amy from https://www.senior65.com/


By Susan on January 29, 2016

I also will be 65 in March of 2016 Just got my Medicare sign up finished today on Jan 28 after much thought and information I went with Plan F


By Deborah Townsend on January 28, 2016

I will be 65 in March 2016 and I am looking for medigap policy for myself and planning on changing companies that my husband has been on for four years. He is on plan f with blue cross and we are looking at plan g for he and I both. Blue cross does not offer plan g and it is my understanding plan f will have major changes in 2020 and with fixed income we need to look at cheaper options for us both. Our first choice is plan g. Do you know of any major changes to this plan and if so what are they? Choosing medigap has been so confusing. I don't know how older seniors handle all the confusion. I am still working and consider myself capable of making quality decisions and it has been a nightmare. I live in Oklahoma in 74730 zip code which is a small community with very few agents that sell medigap. My plans were to try to sign with a local agent so it would make it easier if problems arise later as I age. Thank you for your time.

Deborah,
We know how different Medicare Health plans can be when you transition from group or individual care, but the good news is all Medigap plans are standardized so they are the easiest health plans to compare! We'd be happy to get you a quote. Please call 800-930-7956.

For 2020, Plans C and F will no longer cover the Part B deductible, therefore will no longer be sold. There are no other proposed changes to any other Medigap plans.

Since Medigap is very specific in its coverage and is generally the 2nd payer (meaning Medicare pays first and Medigap will pick up what Medigap doesn't pay), as long as you pay your premium each month, you should have 0 problems with your plan.
-Eric from https://www.senior65.com/


By Charles Durfey on January 25, 2016

I am 61 been disabled 13 years have medigap but cant efford it anymore, that with the drug cost over $600 month, Can I just have medicare now for next 4 years and pay 20% then at 65 get a medigap plan again for less cost? I have very bad back but other wise in good health. I think I also qualify at hospital for free or sliding fee scale for cost.

Charles,
You absolutely can choose to leave Medigap and only be enrolled in Original Medicare, and when you turn 65 you will have guaranteed issuance. In the mean time, you may also want to consider enrolling in a Medicare Advantage plan during the next Open Enrollment period, because MA plans have a maximum out of pocket, whereas Original Medicare does not put a cap on what you spend each year. Hope this helps!
-Amy from https://www.senior65.com/


By Gene on January 13, 2016

My 96-year-old mother is in a skilled-care facility (self-pay). She has congestive heart failure and other issues. Her chart says she is not to be transported to a hospital for any reason. If she falls and breaks a hip, there will be pain medication, but no surgery. That's how she wants it. She came into the facility with a Medigap Plan F policy that is now costing $300 per month. The only doctor she sees outside the facility is an eye doctor whose co-pays would total about $300 per year. She does not have Plan D coverage, but is not on any expensive medicines. She could sign up for an Advantage Plan for 2017 next fall, but we are thinking of dropping any supplements now and just using original Medicare.

Gene,
According to what you are saying, have you checked to see if she qualifies for Hospice? If so, she may want to keep her Medigap policy. And if she does not qualify for Hospice, does she truly does not plan on seeking any care for hospitalization or emergency care? If so, she may not need her Medicare Supplement, which she may choose to drop at anytime. But I would speak to the facility she is in before making any decisions.
-Amy from https://www.senior65.com/


By D. W. on December 30, 2015

My husband has Medicare A&B and a Medigap F plan. He is having Cataract Surgery on one eye. He will be getting a premium lens that will also be correcting an astigmatism. Because Medicare will only approve for surgical implant of a Basic Lens, the doctor is expecting my husband to pay $1600 out of pocket up front. My question: Is this considered an Excess B charge and therefore covered by his Medigap F plan? Thank You.

D.W.,
Your husband's premium lens could fall under excess charges, as it applies to doctors, facilities, and suppliers that don't accept Medicare assignment. However, since this is a specific issue, you will want to check with Medicare and your Medicare Supplement provider before he undergoes surgery.
-Chris from https://www.senior65.com/


By Stacy Beck on December 27, 2015

I am the POA for my sister. She is on social security Disability and currently has medicare complete. During open enrollment, we switched back to original medicare and went with medigap plan F. This will take effect 01/01/2016. She has some pre exsisting medical issues and I was wondering if she will have to wait a certain period of time before her plan F will take effect and cover? Thnak you!

Stacy,
She may have a waiting period for preexisting conditions on her new Medicare Supplement plan. You will want to contact her provider directly to find out if she has a waiting period, and if she does have one, how long the waiting period is. Hope this helps!
-Michelle from https://www.senior65.com/


By deb on December 24, 2015

Hi. I will turn 65 in July 2016. I am a non-smoker diagnosed with lung cancer six months ago. I had surgery to remove the tumor and am cancer free at this time. There is a possibility that the cancer will recur. I will need a medicare supplement that will help defray the expenses associated with cancer care. Please advise which plan, or combination of plans are appropriate. Thank you.

Deb,
Thank you for your question, and glad to hear you're cancer free, but understand you're concern. The combination we suggest would be Original Medicare, Medicare Supplement Plan F (since it covers all the benefits offered by Mediap), and a prescription drug plan. If Medigap Plan F monthly premium is not sustainable, please call us at 800-930-7956, so that we can help you find the right plan for you.
-Michelle from https://www.senior65.com/


By Gail Smith on December 22, 2015

I have plan J. I understand it is going to be totally eliminated in 2020 . Will I have a guaranteed issue to choose another plan? If I have a pre existing chronic condition (RA), and have been turned down by plan G already, what would my option to replace plan J be? How can private medical ins companies deny coverage for preexisting conditions when the ACA expressly forbids that for everyone else?

Gail,
Medicare Supplement Plan J was no longer sold as of 2010, but they still are in effect for those that were already enrolled, and we have not heard any plans to eliminate this plan. If they do eliminate this plan completely, you will have an opportunity to replace this plan at the time.

As for your second question, the ACA only applies to those not enrolled in Medicare. So, unfortunately, to apply after your initial enrollment period, in most states, you will have to answer medical questions to be approved for a Medicare Supplement plan.

With this said, just because one company denied you, it does not mean another company would deny you. Hope this helps!
-Michelle from https://www.senior65.com/


By Ed Thomson on December 19, 2015

I will be 65 in February, 2016 and have applied for Medicare. I currently live in California but will be retiring to Colorado before the end of 2016. Do I need to make sure I select a carrier in California that also provides coverage in Colorado to avoid having to apply for coverage with another carrier subject to an approval process? Does a carrier who provides coverage in both states have to continue coverage when I move? Thanks for the good work you are doing!

Ed,
Thank you for your question. It depends on a few things. If you will have work insurance after you turn 65, and choose to delay enrollment in Part B until you end your job-based, creditable coverage, then you may be able to wait until you move to Colorado. However, if you choose to enroll in Medicare Part B, more than likely you will want to enroll in a Medigap plan when you first turn 65, then your rate will be adjusted by your new zip code -as Medigap plans work with any doctor or hospital in the country and its territories that accept Medicare assignment. Hope this helps!
-Amy from https://www.senior65.com/


By Les on December 17, 2015

My wife and I are retired on fixed income. We are trying to decide between the more expensive Medigap Plan F or a less-expensive Plan N. We live in Pennsylvania where we have some protection from "Excess Charges". We would save money with the Plan N, but what are some of the possible scenarios that could make this a bad financial choice? Thanks for your answer!

Les,
Plan N is a great option for those trying to save money. The thing to consider with Medicare Supplement Plan N is that you will still owe the Part B deductible and some doctor's office visits require a $20 copay. So, the only problem would be if you were to get sick and would need to doctors quite often, you would have to pay out of pocket for those services, and they can add up. Hope this helps!
-Chris from https://www.senior65.com/


By John Lowden on December 12, 2015

In explaining all the out-of-pocket possibilities by not having a plan F, you failed to mention this one: what if a person spends say a hundred days in Skilled Nursing Facility, comes out for at least 60 days then re-enters the hospital for at least three days and then re-enters the SNF? Yes, this would be a new benefit period and one would have to pay his or her SNF co-payments from the 21-100 day once again……not limited to a "once a year" benefit.

John,
You are 100% correct. Part A has called a "benefit period" deductible, not an annual deductible. As the above article states, you can pay this benefit period deductible multiple times in one year, and Skilled Nursing falls under the Part A benefits.
-Chris from https://www.senior65.com/


By Alan on December 06, 2015

I want to enroll in a supplemental plan that includes co-pay for Cardiac Rehabilitation. I recently had an Aortic Valve Replacement and have been submitted by the cardiologist for rehabilitation 36 visits. I know Plan F provides coverage. Where can I find information on what plans provide co-pays for Cardiac Rehabilitation.

Alan,
Thank you for your question. If Medicare covers your cardiac rehab, then Medigap Plan F will cover it. If you would like help finding a Medicare Supplement Plan F in your area, please call 800-930-7956.
-Eric from https://www.senior65.com/


By rick smith on December 04, 2015

looking for high deductable plan f for 95966

Rick,
Happy to help you find a Medicare Supplement High F plan for your area. We just need your DOB, county, and if you use tobacco.
-Michelle from https://www.senior65.com/


By larry williard on December 03, 2015

If I understand this, Since I do not have my part B taken from my SS then My payments can go up faster then people that do. Is this correct? Can I change the way I pay part B? 70 percent of the Medicare population gets their Part B premium taken out of their Social Security check. There is a “hold harmless” provision of the Social Security Act that does not allow Medicare beneficiaries to have any costs passed on to them if there is no Cost of Living Adjustment (COLA) to cover that increased premium. So, most beneficiaries’ premiums will remain stable at $104.90 this year. Unfortunately for the 30 percent of Medicare beneficiaries who do not have their premium taken out of their Social Security check, it just so happens that if there is no COLA increase they are responsible for covering the entire amount so their premiums, which will be raised more than 50 percent to $159.30.

Larry,
Good news and bad news for you. First, the bad news, you would have already needed to have your Part B premium pulled from Social Security prior to 2016 to not pay the higher premium. With that said, it doesn't hurt to contact CMS to see if you would be able to make that happen.

Second, the good news, the Part B premium did not raise up 50%. If you were not able to make that switch to having your payment pulled from Social Security, you would pay $121.80 a month. See more 2016 Medicare costs to learn whatever increases there are.
-Chris from https://www.senior65.com/


By Larry Williard on December 03, 2015

I read that the GVT will phase out Plan G and C in 2020, but will granfather Plan F and C. My question is. I expect Plan F cost to increase faster than other plans after 2020 due to no body else being able to enter it and a smaller group. Do you agree? If so Do you think I should apply for Plan G whilc I am still in good health? Thank you

Larry,
As of now, we've only heard as of 2020, the proposal on the table is that all new Medicare Supplement plans sold will not cover the Part B deductible. We do not know if all plans will be restructured, as they were in 2010, when Medigap plans were last modernized. However, even when that did happen, if you were enrolled in a plan prior to 2010, you could keep that plan. We have not heard from clients or seen that when this restructuring happened that it in turn grandfathered plans rates significantly increased

To answer your second question, we suggest enrolling in a Medicare Supplement policy while you are in good health -whether that be C, F, or G. If you need help choosing a plan call 800-930-7956.
-Jacima from https://www.senior65.com/


By Laura on December 03, 2015

NYS - will a medigap policy F pay for SNF co-insurance of $157.50 day if enrolled some time during the 21-100 days ? Father 93 yrs old has Medicare A&B since age 65 no medigap policy. Currently in SNF for short term rehab and is in day 28. Have rec'd different responses from Ins. Co - most say that medigap policy would have had to be in effect at the begining of the 'medicare benefit period' and now would have to wait until there is a new medicare benefit period.

Laura,
While Medicare Supplement policies in New York have guaranteed issuance, they can apply waiting periods for preexisting conditions, and each company can apply different waiting periods. Due to this, it is unlikely, that you will find a Medicare Supplement policy that will pay toward his SNF care, after he has already been admitted, unless you have a qualifying event. To learn more, please call us at 800-930-7956.
-Amy from https://www.senior65.com/


By Jeanne O'Steen on November 30, 2015

I currently have Plan F with Mutual of Omaha. I want to move to Plan G because the premium would be $100 a month less with Plan G. They asked me medical questions and then denied my switch. What possible reason could they have for denying my switch other than about $1200 a year less in premiums that they would take in? I am already covered with them so I don't understand why they can deny me.

Jeanne,
We totally understand your frustration on not being able to switch. Without knowing your medical history, I wouldn't know exactly why they would deny your application. It could be a variety of health factors, including BMI. Each company sets their own rules for approval, so if one company denies you, another one may not. Please call us at 800-930-7956, if you would like help with another Plan G application.
-Chris from https://www.senior65.com/


By Sylvia on November 30, 2015

My husband and I both have Medicare A&B and Tricare for life. Do we need more coverage than what we have now. Our zip code is 36066

Sylvia,
Thank you for your question. More than likely you'll need to get Part D (prescription drug coverage), but besides that you probably don't need any other health coverage. As always, we suggest contacting TriCare for confirmation. If you would like help finding a drug plan in your area, please call us at 800-930-7956.
-Amy from https://www.senior65.com/


By Roger McGinnis on November 14, 2015

I would like clarification on a previous question. I am 68 and live in Washington state. I have an Advantage plan that will not be continued next year. You had indicated that if I sign up for a Plan N and want to switch to a standard Plan F during future enrollment periods, that I may have to answer medical questions and could be denied. If I sign up for a high deductible Plan F and want to switch to a standard Plan F during future enrollment periods would I still have to answer medical questions and have the possibility of being denied coverage? I have seen conflicting answers. Thanks,

Roger,
Thank you for the follow up. In Washington State, you will have to answer medical questions to switch from any Medigap plan to any other Medigap plan, even if they are the same lettered plan or within the same company (ie. switch from Medigap Plan F from company Y to Medigap Plan A or F through company X, or from Medigap Plan F from company Y to Medigap Plan A through company Y, you would need to answer medical questions and could be denied). Hope this helps!
-Amy from https://www.senior65.com/


By Roger McGinnis on November 09, 2015

I am 68 and live in Washington state. I have an Advantage plan that will not be continued next year. If I sign up for a high deductible Plan F or a Plan N, can I later switch to a standard Plan F during future enrollment periods?

Roger,
You are in a good spot! The reason I say that is, you usually only have one guaranteed issuance period with Medigap, but because your Medicare Advantage is being discontinued you have a guaranteed issuance right into: A, B, C, F, K, or L. This doesn't mean you can't enroll in Medigap N, but you'll have to answer medical questions, and could be denied, and subject to waiting periods.

Now, if you enrolled in High F or Medigap N now, and wanted to change to Plan F in the future, you'll need to answer medical questions, could be denied, and subject to waiting periods.

So, what I'm getting at is, since you are given this special enrollment, you'll want to choose the plan that is best for your future needs. Hope this helps!
-Amy from https://www.senior65.com/


By susan on November 04, 2015

Does Plan F provide for ambulance cost, chiropractic, lab work, emergency room, office visits, out patient services?

Susan,
You are not the first person to ask these questions, so we've created a Medigap Plan F details page. The only not included on that chart is chiropractic care. Original Medicare only covers spinal manipulations for a subluxation, and Medigap F will cover the Part B deductible, copay/coinsurance for this limited chiropractic service. Hope this helps!
-Jacima from https://www.senior65.com/


By Dana on November 04, 2015

I am 57 and receive SS disability benefits. I have had Medicare A for over ten years. Until 2011 I carried health insurance through my former employer. For the last four years I have had a supplemental plan. Am I eligible for Part F or G? If not, what is the best option for me to get the lowest out of pocket for deductibles and copays. I have lupus and fibro and take anti depressants.

Dana,
You might be eligible for a Medigap F or G plan. The reason I say might, is they may not be offered in your area, and you'll have to answer medical questions to be approved. If you are not eligible, you may want to consider a Medicare Advantage plan until you reach 65, at which time you will have guaranteed issuance. With that said, due to your specific situation, I suggest you contact one of our independent agents so that we can better assist you. Please call 800-930-7956.
-Michelle from https://www.senior65.com/


By Lucia Beall on October 27, 2015

I would love to have plan F

Lucia,
We'd be happy to help you with that. You can either get a Medigap Plan F quote and apply from there or call us at 800-930-7956.
-Jacima from https://www.senior65.com/


By Bonnie on October 27, 2015

I am being told that the Part B deductible will be $223.00 in 2016. Other people I speak to still says it is $147.00. I am in my open enrollment and I initially took Plan F. Due to its high cost, I was looking into Plan G. I believe a $76.00 increase in the Part B deductible is excessive. They could begin to increase it every year and make Part G a bad deal. Have you heard about this increase for 2016?

Bonnie,
We totally understand your concern. Unfortunately, Medicare has not released its Part B premium and deductible rate for 2016. We will update this as soon as we learn more.
-Amy from https://www.senior65.com/


By Bonnie on October 25, 2015

Why don't to talk about plan G? The only extra expense is the Part B deductible and then it pays the same plan F. The premiums are much lower than F.

Bonnie,
We totally agree with you that Medigap Plan G is a great alternative. And, we definitely recommend it, if the savings of Plan G's premium outweighs the Part B deductible cost. Thanks for bringing this up!
-Eric from https://www.senior65.com/


By Deb Stewart on October 23, 2015

Hi. My old doctor only takes Medicare Advantage and I'm presently with Kaiser Medicare Advantage. If I change to Plan F, it says you can choose any doctor (and this plan covers the excess 15%). Does that mean you could choose the above two doctors as long as you filed your own insurance or can the first doctor refuse and Kaiser just handles its own? Thanks.

Deb,
With Medigap F you can go to any doctor if they accept Medicare assignment. If they do not accept Medicare assignment, but decide to be a non-participating provider they can charge you that 15%, and Medigap F will cover that cost. If they flat out refuse to accept to work with Medicare (which is very rare), and you still want to see that doctor, you would pay 100% out of pocket. Hope this helps!
-Amy from https://www.senior65.com/


By Purnima on October 22, 2015

I live in Oldsmar, Fl 34677 I am turning age 65 in 2016. I would like to know What will be the monthly premium for Medicare Plan F (HD) and it's benefits and Medicare plan F Premium and It's benefits... Would It be better to get plan F (HD) or Plan F From traditional Medicare offered by Govt. or Get from Medicare Advantage plans? can you provide me with telephone number, where I can call and Some one can explain to clear my confusion?

Purnima,
Thank you for your questions.

As for which is better, depends on your budget and health needs. Plan F covers the most, and most clients find that they no out of pocket expenses besides their premium. Whereas, these two options have lower monthly costs, they will generally cost you more if you have a serious illness or injury: High-F and Medicare Advantage. Hope this helps.

As for cost, you can get a Medigap quote for your area, and apply from there, or you are welcome to call us at 800-930-7956.
-Amy from https://www.senior65.com/


By Deb Stewart on October 22, 2015

My Kaiser Advantage plan has an annual out-of-pocket limit. Does that mean I will never pay a cent within that year for anything(not counting drugs)? Plan F has no limit. What costs could cause me to pay out-of-pocket other than extended hospital or nursing home? Does Medicare alone pay for chemo/radiation, if necessary?

Deb,
With any Medicare Advantage plan you can pay copays, coinsurance, and deductibles up to a certain amount ($6700 is the max any Medicare Advantage can make you pay). With that said, there can limits and restrictions on coverage, if you don't qualify for coverage, your Medicare Advantage plan doesn't cover a service, or have gone past your limit, you can still spend beyond the $6700. You would want to check with Kaiser what their limits would be.

As for Plan F, you will not have any out of pocket expenses besides your premium, if Medicare covers it or it's an extra Medigap benefit. But, if you don't qualify for a service, Original Medicare doesn't cover a service, or you've gone past your limit, you would pay out of pocket.

For chemo therapy, Medicare partially covers the cost for this treatment. If you were to have Medigap F, it would cover the "gap" in coverage that Medicare leaves. Hope this helps!
-Chris from https://www.senior65.com/


By Ryan on October 21, 2015

I have a plan F which covers the $147 part B deductible. But I just went to a chiropractor and the bill was $150. They gave me the bill and said I have to pay the $147 first before they will bill Medicare part B - that doesn't make sense to me. How then, do I avoid paying the part B deductible?

Ryan,
If your chiropractic session is approved by Medicare and you have Medigap F, then you shouldn't have to pay the Part B deductible. It seems that chiropractic office might be confused, and you may want to contact their billing department. However, Medicare only covers medically necessary spinal manipulations to fix a subluxation. Any other services received at a chiropractor's office, you would pay fully out of pocket and neither Medicare nor Medigap will pay. Hope this helps!
-Amy from https://www.senior65.com/


By Rachel on October 20, 2015

With plan F can I go to any doctor or hospital in my area that accepts Medicare? I live in area code 98052.

Rachel,
You have that right! With Medigap Plan F, not only can you see any doctor or hospital that accepts Medicare, Medigap F also covers excess charges. Excess charges are when a doctor does not accept assignment, they can charge up to 15% more -Medigap F will cover this cost.
-Amy from https://www.senior65.com/


By Lee on October 16, 2015

I will turn 65 on July 19 of 2016, and understand I can apply for Medicare A & B between 3 months before and 3 months after. But I'm confused about when to enroll in the stand alone part D drug coverage. I read that enrollment for that is October 15–December 7. But if I want to be covered starting Aug. 1, 2015 (when I plan to end my private health insurance plan), does that mean I have to enroll in part D by this Dec. 7, 2015? I don't see how I could, considering I won't be covered by parts A & B until summer of 2016. Thanks

Lee,
We totally understand your confusion! There are just so many dates that they throw at us. This should hopefully clear it up for you: Your Part D initial enrollment period is the same 7-month period as Original Medicare's. Then, October 15 -Dec 7th is ONLY for switching from one plan to another, not to join. Hope this helps!
-Amy from https://www.senior65.com/


By Judy Cooper on October 14, 2015

What is the downside to Plan F with HD vs Plan F
I am basically a healthy senior and just curious.

Judy,
Plan F High Deductible (HD) cost less each month than plan F but you have to first pay a deductible before services are covered. This makes it a great fit for a healthy person who rarely goes to the doctor but wants to be protected if major health issues emerge in the future.

There are two major downsides to Plan F HD:
1) If you end up needing regular medical services each year, the total cost of Plan F HD tends to always be more expensive the Medigap plan F
2) If you ever want to switch plans, often time you are limited to similar or lesser benefit plans. This will give you less options than a traditional Plan F.

Hope that helps,
Eric from https://www.senior65.com/


By Silvania on October 09, 2015

I love this site! I have learned so much from your website and about Plan F but I'm confused who is senior65.com? Can I really call you for help and if so does it cost anything? I live in Denver Colorado.

Silvania,
Thank you for your questions and complements. YES! You can call us for help and there is no charge to you. Senior65.com part of Medicoverage Inc. is a licensed independent national health insurance agency. While this site is relatively new, we are not. We have been helping people figure out health coverage since 2003! You can learn more about us here.

So how do we make money? If you sign up for Medicare insurance plan through our site or over the phone, we receive a commission directly from the insurance carrier (not you). Since these plans are regulated, we can guarantee the lowest price available by law. No one,including the insurance company itself, can offer Medicare Insurance for less than Senior65 can. Our fiduciary responsibility is to you, our client, ..not the insurance company.
Hope that helps and please feel free to call us with any questions.
Best,
-Chris Mihm Co-founder https://www.senior65.com


By nancy on October 08, 2015

I have medicare part A & now enrolling in Medigap plan F. Must I call SS to tell them I now need Part B? If so, then SS would then deduct that Part B coverage from my SS check and I would pay for medigap Plan F to provider. thx for explanation

Nancy,
Great questions! Yes, you need to be enrolled in both Medicare Part A and B to enroll in a Medigap plan. And, yes, once you contact Social Security, generally speaking the Part B premium is deducted from your SS check, and you pay directly to the Medigap Plan F provider.

If you need help finding a Medigap Plan F call 800-930-7956 or click here to get a Medigap quote.
-Michelle from https://www.senior65.com/


By Dave on October 07, 2015

Does Medigap Plan F (not high deductible) have a deductible? Also, does it have an out-of-pocket limit?

Dave,
Medigap Plan F does not have a deductible or out of pocket limit (only exception is Medigap foreign emergency care). Hope this helps!
-Amy from https://www.senior65.com/


By Judy Montgomery on October 05, 2015

I just started Medicare, with USAA as my Medigap Supplemental plan F in California. From what I find, Medicare has no limit on lifetime maximum benefit payable. Does the California USAA Medigap Plan F have a lifetime maximum benefit payable?

Judy,
The following information will be true of all Medigap Plan F coverage since the benefits offered by each provider is identical.

Original Medicare has lifetime maximum benefits for hospitalization, and caps on Skilled Nursing Facility care, and caps on physical, occupational, and speech therapy. This means at some point Medicare will stop paying and you will be on the hook for additional costs.

As discussed in the article, Medigap plan F pays all deductibles, most co-pays and extends Original Medicare's coverage with 365 additional hospital days. So while Medigap does not a specified lifetime maximum benefit payable by the customer, it drastically reduces your the risk of expensive medical bills.

The vast majority of all Medigap plan F members report no out of pocket payments. Your biggest financial risk under Plan F is if you go beyond the additional 365 days in the hospital.
Hope this helps!
-Michelle from https://www.senior65.com/


By Stan on October 03, 2015

Want to switch from an ADVANTAGE program to Plan F Medigap. Wife has pre-exisiting health problems and is still being treated fro them. Nothing major like cancer or anything. Issues arising from hypoglycemia but is not back to normal yet. what questions will be asked? I understand that there are 5 questions and an 'no' answer on any will cause either denial or waiting period because of those answers.

Stan,
We totally understand your confusion. Each state and company can have different requirements. Your wife could be denied from one company and approved by another. Her best bet is to apply to the company she prefers. It won't hurt her if she does. If you would like help finding plans in your area call 800-930-7956.
-Amy from https://www.senior65.com/


By Jan on September 27, 2015

I would like to change the supplemental policies for my parents, ages 85 and 88. They have B but I want something to cover skilled nursing, should they need it for longer than 20 days. They have both been healthy for the last 15 months. What do you suggest?

Jan,
Absolutely, they can apply for different Medigap coverage. Most people look into Mediap C or F, since they cover the Part B deductible. If you would like to contact us at 800-930-7956, we'd be happy to help you find new Medicare Supplement plans for your parents.
-Chris from https://www.senior65.com/


By Jacqueline Brown on September 25, 2015

Do you know WHY G unlike F, has no "guaranteed issue" rights? Thanks for any info you could provide. I ask because an ins. agent told me that "G" over-all in yearly costs is less expensive ....Jackiebelle

Jackiebelle,
As far as we know, Medigap F has a guaranteed issue right after your "initial enrollment period" because all Medigap companies must offer Plan A, and if they offer any other plan it must be C or F.

In regards to your second question, Medigap plan G can have lower costs, but you still have to pay the Part B deductible. You would want to weigh Plan G's monthly premium with the Part B deductible to see if it's actually less expensive than Plan F. If so, and you are eligible, go with the plan that has the least expensive overall costs.
-Amy from https://www.senior65.com/


By Joe on September 10, 2015

Re: Helen 4-28-15, not so sure I understand your response to Helen. My understanding is for example the following. Drs. Mediocre assignment charge is $100.00. Medicare is your primary insurance and will pay $80.00. You would be responsible for the remaining $20.00. Which would go toward the deductible of 2180 under hdF and then leave you with 2160. Since medigap supplements are for the 20%this makes sense. Now, there is a 100 dollar (at least) difference per month in premium costs, that is over $1200 per year savings . In 2 years you could more then compensate for the 2180 that you might have to maybe payout in any given year. The real question to me is whether to get hdF or go with N. Any thoughts on that?

Joe
I think your example is accurate except that in your scenario you would be responsible for 100% of the Part B deductible ($147) first before doing the 80%/20% split with Medicare.

The second half of your question is really a break even analysis. If Part F high deductible were $200 less than regular F it would be a no-brainer because you would save $2400 a year and the hdF deductible is currently $2180. You would save money even if you had to pay your entire deductible every year! In some years you probably won't have to satisfy your deductible so this would be the far superior choice (even if it is hypothetical) .

If the savings were $100 each month with hdF over regular F, your break even period is about two years. This means that if your medical needs force you to satisfy your deductible every other year then both plans will end up costing about the same in the end.

Since we don't know our future medical expenses there is no right or wrong answer. The way I look at it if you are pretty healthy High Deductible F gives you access to all of those expensive benefits at a lower price which will protect your risk. If you have a lot of health needs then regular Medigap F will almost always be cheaper than high F.

Finally if you are in CA, OR or MO, you will most likely want to select regular F since it will give you more options for switching. Check out more about the Medigap birthday rule.
-Chris from https://www.senior65.com/


By Frank on September 02, 2015

I have applied for original Medicare and have decided to go with a medicare supplement. I see from your point of view Plan F is the better plan. I agree, but looking at the rate chart, Plan C monthly premium is higher than Plan F (New Jersey). Is there something I am missing?

Frank,
Great question! And, no, you're not missing something. For some reason, some companies put their Medigap Plan C rate equal to or higher than Medigap F, even though F covers more (Part B excess charges). I'm not quite sure why they do this. We'd be happy to help you out in figuring out a plan, and finding the best deal in NJ. Please call us at 800-930-7956.
-Michelle from https://www.senior65.com/


By Vic Lucas on August 08, 2015

How can I easily compare the additional benefits beyond those required for part f from different companies?

Vic,
The only optional, additional benefit offered by Medigap companies is the Silver Sneakers program. You'd want to compare based on price, and then you can either go to the Silver Sneakers website or contact us at 800-930-7956 to learn which Medigap Plan F companies in your area offer Silver Sneakers. Hope this helps!
-Jacima from https://www.senior65.com/


By Mommazip on August 04, 2015

Would I save money on premiums if I paid one annual payment as opposed to monthly? We do that on my husband and although he has had his plan longer, it is cheaper. I did not see it as a payment option when I signed up.

Mommazip,
Thank you for your question. As far as I've seen, Medigap plans do not offer a discount for one annual payment; however, many companies offer spousal and autopayment discounts. Hope this helps.
-Amy from https://www.senior65.com/


By Mary Summers on July 29, 2015

Hello, if I'm in CA and want to change my plan it speaks of going to a equal or lesser plan if I have HD F what plan is equal or less basically what move can I make without being underwritten? Thanks in advance

Mary,
Good question. The Medigap Birthday Rule allows for those enrolled in a Medigap Plan F High Deductible to switch to another provider that offers High F, but you would have to go through medical underwriting for any other plan.
-Amy from https://www.senior65.com/


By Y. Chan on July 06, 2015

I will turn 65 only in 3 month time. I know it is time to sign up for Medicare and select between Advantage and Medigap. I have stage 0 breast Cancer (3 yrs) and I also have Hepatitis B, but I am actually healthy and active. Other than very year do physical check and mammography, and every six months go to check HepB, I don’t have other serious problems. Do I need a supplement? It is a lot of money if I live to 85 years old. Can I start with Medigap for a few years, then change to Advantage? Thanks

Y. Chan,
Excellent questions.

1) You don't need a supplement, but it can save you money, as Medicare does not put a limit on what you can send each year.

2) We wrote an article for your second question, because it was so good. And the answer is yes, You can switch from Medigap to Medicare Advantage. Hope this helps.
-Jacima from https://www.senior65.com/


By Shirlee on June 29, 2015

Trying to go thru the maze of info. Trying to decide which option is better; my current ppo thru former employer, Medigap or Advantage plan. Can you offer any suggestions?

Shirlee,
That's a great question. It really depends on the type of coverage your employer offers. Many times if your employer offers "qualifying" coverage, it will act like a Medicare supplement plan (Medigap),and might be less expensive, and you'll have a second opportunity to enroll when your employment coverage ends. I suggest because of your specific situation you call 800-930-7956, so we can help you figure out which is the right one for you.
-Amy from https://www.senior65.com/


By Kathy N. on June 24, 2015

My husband is 57 and disabled, will begin Medicare A & B benefits next month. When we look at the thousands we will spend yearly for a Medigap plan, for who knows how long, it almost feels foolish. He has had knee replacements but no conditions to predict frequent hospital stays. Considering putting the money in savings that we would pay out monthly in premiums. Any thoughts on this?

Kathy,
We totally understand what you're saying. For those under 65, Medigap can be cost prohibitive. And you can put away money, but remember that Original Medicare doesn't put a cap on what you can spend each year.

We suggest that you look into a Medicare Advantage plan. The reason is all Medicare Advantage plans have a max out of pocket of $6700 per year, and many plans have much lower maximum out of pockets. Then when he turns 65, he would have a guaranteed issuance period to enroll in a Medigap plan, with, generally, a much lower premium than if he enrolled now. Hope this helps.
-Amy from https://www.senior65.com/


By Jim on June 22, 2015

I am 72 years old and have had original Medicare with an employer co insurance (Aetna). I now think I would like to switch from Aetna to a medical plan F. Would I be held under 6 month waiting period for pre existing conditions? If so, that would be impossible due to the fact I have had lung cancer and copd.

Jim, This is a good question. You may qualify for preexisting conditions, however, without knowing which state, if you are enrolled in Part B currently, and if you're losing insurance or choosing to leave your insurance, we wouldn't be able to tell you if you qualify for a Medigap guaranteed issuance period and/or if you have a six month waiting period before enrolling. We suggest calling us at 800-930-7956 to help with your specific situation.
-Amy from https://www.senior65.com/


By P STAFFORD on June 14, 2015

I currently am on Medicare in Florida. I have CLL and stage 3B kidney disease. I also have secondary insurance under my wife which I will be losing. Can I get medigap and how expensive will it be considering my current health. I am 69

Thank you for your question. If you have qualifying insurance that is ending you may be eligible for a Medigap guaranteed enrollment period. Due to the specificity of your situation, we suggest calling us at 800-930-7956.
-Amy from https://www.senior65.com/


By asilvosa@hotmail.com on June 07, 2015

I have been on a Medicare Advantage Plan for two years....can I still enroll in Plan F?...I live in New York. Thanks.

Thank you for your question. It appears that Medigap policies in New York cannot deny you for any reason, including age and preexisting conditions. One thing to remember that, while they cannot deny you coverage for preexisting conditions, they can require a 6 month waiting period to cover any previous health issues. Hope this helps.
-Amy from https://www.senior65.com/


By Mary on June 07, 2015

I am applying for Medicare now. I won't get SS till next year when I turn 66. My income will be fixed. I will need cataract surgery, knee replacement, hip replacement within 2-5 years. I travel 500 miles between 2 states every 8-10 weeks. On occasion I have to travel 1,000 miles to another state each year. Plan F would cover doctors etc. in all states but it is uncomfortably highly priced. F HD sounds do-able if $2,180. is all that is paid out. Please advise if you see something better for me than plan F. Unfortunately I found you sight 2 days before I have to make this decision so I hope to hear from you soon. Thank you.

Mary,
Good question. Medigap Plan F high deductible might be a good choice. Just remember that each year the High F deductible can increase, and if you were to have major surgery, you would have to pay out your deductible (possibly at once) before the plan would kick in. High F usually is more expensive if you have to pay the deductible than Plan F.

Other options could be C, G, N, but again you want to make sure that the premium cost you save each month works out in the end for you. Hope this helps!
-Jacima from https://www.senior65.com/


By Jeremiah on May 27, 2015

Medigap F covers a lot. I'm applying now. Thanks.


By David K. on May 20, 2015

From this article F seems great, but it's a little pricey for me. Is there some place I can compare the other plans? I had a stroke and I want good coverage, but any money I can save each month will be helpful.

David,
Thanks for your question. And we totally understand your situation! Here is a chart that compares Medigap policies. Hope this helps you in your search.
-Michelle from https://www.senior65.com/


By Phyllis on May 12, 2015

To see if Plan F or Plan F High Deductible is the better price for a given insurance company, can I add the high deductible ($2,180) to the lower annual premium? (If so, the F-HD is $500-1,000 more expensive per year.) Or am I calculating this wrong? Do I need to substract the other deductibles (Part A and/or Part B)? It looks from the answers above that the $2,180 deductible is above and beyond the other deductibles.

Phyllis,
Thank you for your question. Yes, you add the Medigap high deductible to the premium to figure costs for the year. Just remember that Medigap High F's deductible changes each year, and that if you had a serious illness or accident you could have to pay the full deductible at once before your Medigap kicks in. Please call us at 800-930-7956 if you have any further questions.
-Eric from https://www.senior65.com/


By Joanne Cannell on May 10, 2015

If I start with Plan F, can I switch to Plan F HD at any time without possibly need to go thru a waiting period for preexisting conditions?

Joanne,
That's a great question! In a few states, that have the "Medigap Birthday Rule", yes you would be able to do that, but in most states you have to answer medical questions to switch plans, even if it's to Medigap High F.
-Amy from https://www.senior65.com/


By Justin James on May 08, 2015

Do you think I should go for Medigap Plan F high dedcutible or traditional F?

Justin,
Without knowing your specific situation we couldn't make a recommendation for you. However, what you want to consider is if you would rather pay more in your premium but less out of pocket when you seek medical care, or if you prefer to pay a lower monthly premium and will pay out of pocket until you meet your deductible, but your plan will really only cover if you have a serious illness or emergency. Hope this helps!
-Amy from https://www.senior65.com/


By Frank on May 01, 2015

What happens in 2020 when Plan F is eliminated and I can't get Plan G because of underwriting? H.R. 1470 that was replaced by H.R. 2 – Medicare Access and CHIP Reauthorization Act of 2015 has passed the Senate and is on the way to the President’s desk where it is expected to be signed in to law. The law will be touted as fixing the doctor reimbursement problem in the media. However, this law will effectively end Medigap Plans F & C beginning for newly eligible Medicare beneficiaries on Jan 1st 2020. Existing Medigap Plan F & C owners will be allowed to retain their current coverage that will most likely be accompanied by substantial rate increases beginning in 2020

Frank,
Thank you for your question. We know what you're saying, but, as far as we know, it does not look as if Medigap C and F will actually be eliminated as an option -only that new plans will not cover the Part B deductible. We don't know how this change the structure of the other Medigap plans offered as of 2020. I do wish we had a better answer to post for you. When we learn more information, we will update this comment.
-Amy from https://www.senior65.com/


By Helen on April 28, 2015

Under the high deductible plan F, after you meet the $2,180 paid in Medicare charges, the Medigap policy will pay 100%. Is this just applying to the Medigap portion of the coverages that Medicare does not pay? What I am trying to get at is after the Medicare B deductible of $147 is met, will Medicare then start paying it's 80% and I will continue to pay the 20% of the Medigap's portion and it will be applied toward the $2,180 deductible? Or is Medicare also requiring me to pay the entire $2,180 before paying anything at all? Since the Medigap policy is a private insurance policy, I was wondering how this all worked. Thank you!

Helen,
Thank you for your question. You would need to pay out the entire Medigap F deductible before Medigap kicks in to pay for any other costs, but with that said, Medicare will start paying their portion as soon as you pay your Part A and/or Part B deductible. Hope this helps.
-Jacima from https://www.senior65.com


By Ron on April 23, 2015

Its my understanding that you have to pay for Medicare part B and then the cost of your Medigap part F, is that not correct? unless you do an advantage plan then you dont pay part B separately. Thank you for your analysis.

Ron,
Thank you for your question. The Part B premium payment is separate from both Medigap and Medicare Advantage, which for most people, the Part B premium will come directly out of their Social Security. Then for both MA and Medigap you would pay a separate amount directly to the company you enroll in (some MA plans have a $0 monthly premium -which might be the reason for the confusion). Hope this helps! For any further questions please call us at 800-930-7956.
-Eric from https://www.senior65.com/


By Suzzane Jones on April 16, 2015

So I would like to know if you can start with plan F and then switch to another plan later?

Suzanne,
Thanks for your request. Most insurance companies that offer Medigap will typically let you downgrade to a plan with less benefits. So moving from Plan F to Plan C with the same insurance company is usually not a problem.

The reverse is not always the case. If, for example, you start with a Plan N and want to move to F you will usually have to reapply. Insurance companies will review your medical history during this process . Please contact us with any more questions.
-Amy from http://www.senior65.com


By John Finder on April 16, 2015

This article was very helpful. I had no idea how much Medicare didn't cover.


By Ray Falwes on April 08, 2015

Doesn't G protect you just as much as Medigap F?

Ray,
Thank you for your question. Medigap Plan G has almost the same benefits as Plan F. There are 3 things you need to remember about plan G:
    1) G is not guaranteed issued so you will go through medical underwriting to be approved.
    2) Unlike Plan F, G doesn't cover Part B deductible so you would have to pay the $147 (2015) amount out of pocket.
    3) G isn't offered by all Medigap insurance companies so it may be more expensive since there is less competition.
Hope that helps.
-Chris from http://www.senior65.com


By Mark Wilson on April 08, 2015

So it looks like plan F is the way to go. Thanks as I'm applying this week!



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