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Old 09-27-2018, 07:49 PM
 
8,528 posts, read 5,014,749 times
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Quote:
Originally Posted by brava4 View Post
Thanks, for the details. My friend lives in Md., Montgomery County, expensive part of Md. Anyway, I will ask her for more details. She seems to want plans where EVERYTHING is covered and she doesn't have to pay ANYTHING, co-pays...nothing.
I don't blame her for wanting that. A couple of my friends on Medicare said to get Plan F...having everything covered is a huge relief. As we age, there will be increasing medical expenses.

Although Plan F has limitations, like all insurance.

I think I'll get Plan G instead of Plan F. Means it won't pay the Part B deductible of $183.
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Old 09-27-2018, 09:11 PM
 
Location: Wisconsin
23,546 posts, read 50,140,471 times
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Quote:
Originally Posted by brava4 View Post
My friend lives in Md., Montgomery County, expensive part of Md. Anyway, I will ask her for more details. She seems to want plans where EVERYTHING is covered and she doesn't have to pay ANYTHING, co-pays...nothing.
$300 sounds too high for her age. Like I said above, have her use this link:

https://www.uhcmedicaresolutions.com....html#/zipcode

Using zipcode 20879 and birth year 1952 (age 66), I get following rates for her:

$171.01 - Plan F
$147.23 - Plan G

https://www.uhcmedicaresolutions.com...#/plan-summary

nowhere near $300.
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Old 09-28-2018, 07:37 AM
 
Location: Mid-atlantic
561 posts, read 166,581 times
Reputation: 688
Quote:
Originally Posted by brava4 View Post
What do you mean by applying late? Late in age, older than FRA? Or late in the year of FRA? Thanks.
Having recently gone through it, my understanding is this:
At 65, you are required to sign up (register) with Medicare. At that time, Part A coverage begins. Cost is $0.

Other Medicare coverages, B,C and D are optional depending on your needs. If you are still working with employer health care or some other coverage, you can delay part B until you lose your coverage.

Here's the answer to your question about applying late:
Once you sign up for part B ($134.00 mth. for most), you have a 6 month window to get a supplement (Medigap) plan without having to answer the medical history sections on the application. In other words a person can't be denied coverage when applying during that period. I got part B 6/1, so I had until 12/1 to apply. Got coverage with no other questions asked.

Application was very easy. Approval was within 24 hrs. Premium for both of us was $147 per month, per the application when I submitted.

But here's something else: Everyone signs up individually. It's done under your AARP account (in our case husband/wife) but the individual part is your SS number. So when you get the quote, they are for each person (spouse), again $147 mth for us. We signed up for EFT also.

In our case, and I would assume for other couples (can't speak to same sex) our accounts were then linked internally for a discounted combined premium of $270 per month. Two discounts - $2 for EFT, $10 spouse discount. $24 monthly savings over the initial quote was a surprise. Nothing in the sign up process indicated discounts were available.

Hope this is helpful.
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Old 09-28-2018, 07:47 AM
 
Location: Mid-atlantic
561 posts, read 166,581 times
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Its been pointed out before, but bears repeating:

If you are considering a Medigap plan (also called supplemental insurance - NOT a Medicare Advantage Plan), the F options are going away. You can still sign up but eventually you'll need a new plan, most likely it will be Plan G. Everyone's needs differ so choosing the best plan to meet your specific requirements is critical.
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Old 09-28-2018, 07:50 AM
 
Location: Mid-atlantic
561 posts, read 166,581 times
Reputation: 688
Quote:
Originally Posted by Ariadne22 View Post
$300 sounds too high for her age. Like I said above, have her use this link:

https://www.uhcmedicaresolutions.com....html#/zipcode

Using zipcode 20879 and birth year 1952 (age 66), I get following rates for her:

$171.01 - Plan F
$147.23 - Plan G

https://www.uhcmedicaresolutions.com...#/plan-summary

nowhere near $300.
Exactly our initial quote.
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Old 09-28-2018, 08:50 AM
 
5,066 posts, read 5,397,811 times
Reputation: 11538
Quote:
Originally Posted by Ariadne22 View Post
$300 sounds too high for her age. Like I said above, have her use this link:

https://www.uhcmedicaresolutions.com....html#/zipcode

Using zipcode 20879 and birth year 1952 (age 66), I get following rates for her:

$171.01 - Plan F
$147.23 - Plan G

https://www.uhcmedicaresolutions.com...#/plan-summary

nowhere near $300.


Sorry, I didn't state her age. She is 71. Does that make it 300.00??
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Old 09-28-2018, 11:47 AM
 
1,816 posts, read 1,635,129 times
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I'm 72 and my rate is $148.32 for Plan G. I just switched to AARP/UHC effective September 1. I'm in 95747.
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Old 09-28-2018, 01:52 PM
 
5,066 posts, read 5,397,811 times
Reputation: 11538
Quote:
Originally Posted by Inspector1489 View Post
Having recently gone through it, my understanding is this:
At 65, you are required to sign up (register) with Medicare. At that time, Part A coverage begins. Cost is $0.

Other Medicare coverages, B,C and D are optional depending on your needs. If you are still working with employer health care or some other coverage, you can delay part B until you lose your coverage.

Here's the answer to your question about applying late:
Once you sign up for part B ($134.00 mth. for most), you have a 6 month window to get a supplement (Medigap) plan without having to answer the medical history sections on the application. In other words a person can't be denied coverage when applying during that period. I got part B 6/1, so I had until 12/1 to apply. Got coverage with no other questions asked.

Application was very easy. Approval was within 24 hrs. Premium for both of us was $147 per month, per the application when I submitted.

But here's something else: Everyone signs up individually. It's done under your AARP account (in our case husband/wife) but the individual part is your SS number. So when you get the quote, they are for each person (spouse), again $147 mth for us. We signed up for EFT also.

In our case, and I would assume for other couples (can't speak to same sex) our accounts were then linked internally for a discounted combined premium of $270 per month. Two discounts - $2 for EFT, $10 spouse discount. $24 monthly savings over the initial quote was a surprise. Nothing in the sign up process indicated discounts were available.

Hope this is helpful.


Yes! Thanks, it does help. Initially, it all seems so confusing.
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Old 09-28-2018, 02:00 PM
 
Location: Wisconsin
23,546 posts, read 50,140,471 times
Reputation: 18196
Quote:
Originally Posted by brava4 View Post
Sorry, I didn't state her age. She is 71. Does that make it 300.00??
No. New search at age 71 shows $209.30 (F) and $180.19 (G).

https://www.uhcmedicaresolutions.com...#/plan-summary

If she chooses an F, note that even though Part B deductible is $183, premium of $349.32 ($29.11x12) for that plan is higher than the deductible.

So, she is paying UHC $166 more a year ($349.32-$183) just for the privilege of not paying this deductible.

Further, since F will be discontinued in 2020, as I said above, she may experience higher percentage premium increases due to the aging of the closed risk pool than she would for a G.

She should buy a G.

Last edited by Ariadne22; 09-28-2018 at 02:08 PM..
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Old 10-05-2018, 12:54 AM
 
8,528 posts, read 5,014,749 times
Reputation: 18176
Quote:
Originally Posted by movinon View Post
I'm 72 and my rate is $148.32 for Plan G. I just switched to AARP/UHC effective September 1. I'm in 95747.
When did yu sign up for Plan F/G? It goes by when you signed up, I believe.
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