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Re: Medicare Plan F High Deductible vs Advantage

Thanks for all the feedback everyone! I think he is going to go with the plan f HD over MA. If he's not happy, he should at least be able to go to an MA easier than if he were on MA and wanted to move to medigap. if anyone else has feedback, please continue to share! It's very helpful to read about ...
by Nico08
Sun Jan 27, 2013 11:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Plan F High Deductible vs Advantage
Replies: 25
Views: 2293

Re: Medicare Plan F High Deductible vs Advantage

Another thing to keep in mind is that (my impression anyway) it is easier to migrate "downward" in level from a comprehensive medigap plan to a less comprehensive one and then to a MA plan that to migrate upwards. If you had any uncertainty, it might be better to start high knowing that y...
by Nico08
Fri Jan 25, 2013 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Plan F High Deductible vs Advantage
Replies: 25
Views: 2293

Re: Medicare Plan F High Deductible vs Advantage

My wife enrolled in plan F with BCBS 5 years ago. She is on the regular plan F. I do not believe the high deductible option existed at that time. Even though her health is only fair, I think we would have come out ahead on the high deductible plan. Unless someone is hospitalized or has major issues...
by Nico08
Fri Jan 25, 2013 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Plan F High Deductible vs Advantage
Replies: 25
Views: 2293

Re: Medicare Plan F High Deductible vs Advantage

Also consider Blue Cross Legacy Plan C, here in Michigan it has been running $122/month per person. It has covered everything so far for us, not much different than plan F. I just checked Plan C again and the only difference is that is that part b excess is not covered or capped. It is also only a ...
by Nico08
Fri Jan 25, 2013 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Plan F High Deductible vs Advantage
Replies: 25
Views: 2293

Re: Medicare Plan F High Deductible vs Advantage

First off, thank you everyone for your responses! 1. Does a doctor who accepts medicare automatically accept medicare advantage? 2. Do "excess charges" count towards your deductible? 3. Also, if you are on a medigap plan, is there a yearly enrollment period where you can switch companies a...
by Nico08
Fri Jan 25, 2013 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Plan F High Deductible vs Advantage
Replies: 25
Views: 2293

Medicare Plan F High Deductible vs Advantage

Hi all, I've been trying to helping my dad decide on a medicare plan that best meets his needs and have been looking at the medicare advantage, plan f high deductible and regular plan f. From what I have read and heard, plan F is the cadillac of plans but it comes with a hefty price tag so we want t...
by Nico08
Thu Jan 24, 2013 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Plan F High Deductible vs Advantage
Replies: 25
Views: 2293

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