mur44 wrote:If you are from New York or Connecticut, consider a Medicare Advantage plan
as you will have continuous guarantee issue to buy a Medigap plan at any time.
Else, consider Medigap Plans 'C, 'F', High Deductible 'F' or 'N'.
Plans "C', 'F' and 'N' are popular Medigap plans.
Go with the cheapest insurance company plan as long as customer service
Your county SHIP (State Health Insurance assistance Program) counselor
can provide valuable tidbits. You can find your SHIP telephone number on the
back of Medicare and You handbook or Medicare.gov. SHIP counselors
provide unbiased advice.
Disclosure: I am a Certified Volunteer Medicare Counselor from NJ
midareff wrote:I turned 65 last December and enrolled in Medicare and AARP United Plan F. No deductibles at all and no copays.
apk wrote:Correct me if I am wrong, but if you are choosing a Medigap policy, then you can use any doctor you want. The limit on doctors only applies if you are choosing a Medicare Advantage plan. With Medigap, the only potential limit on doctor choice is if the doctor you want does not accept Medicare as payment in full. Then, you would have to pay the difference between what Medicare pays (including your Medigap policy) and what the doctor charges. Some Medigap policies also cover the excess cost.
penumbra wrote:Plan F is more generally available, and offered by more companies, compared to F hi-D. I use USAA, which doesn't offer the hi-D option. I researched it, but wasn't happy with the few providers for my area.
That being said, in my first 4 years on Medicare, USAA paid out $7000, 3000, 7000 and 8000 (so far). And I've always been a healthy, low utilizer. You never know. Don't count on always being healthy. Everybody gets something, sometime. Some go on for a while.
LAbob wrote:If you change from Plan F to Plan F-HD, is there a problem down the road in switching back to Plan F during an open enrollment period if you, at that point, find you have high medical expenses?
fandango wrote:I was advised by 3 different insurance agents to go with Plan F, and I did. I went with BC/BS of Georgia (which is really Anthem out of Los Angeles) because of their enormous network.
Just about any doctor that you would want to see is in their network because they have 70% of the market in Georgia.
I go into the doctor's office and leave without co-pays or deductibles. No paperwork hassles.
My mother-in-law (85 years old) also has plan F and had a heart catheterization. When we left the hospital, we checked her out, and she owed absolutely nothing.
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