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
Yes, contact your state's SHIIP. My state's SHIIP office sent me a booklet that had a list of all Medigap providers in the state, what Medigap plans they offered and the premiums. This was a valuable tool and made the work a lot easier. Maybe your state's SHIIP office does this also. This booklet did not have any of the Medicare Advantage plans, just traditional Medigap insurers.
BTW, I contacted a local salesperson about Plan F HD. He initially told me that a high deductible plan F did not exist. Perhaps the premium and commission is lower or as the salesman later told me, if he sells a plan with deductibles, people forget and call him with complaints when they get a bill so he was simply not aware of the HD plan because he never sold it.