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Old 10-05-2018, 01:02 AM
 
8,531 posts, read 5,039,764 times
Reputation: 18191

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Quote:
Originally Posted by Ariadne22 View Post
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.
You said Plan G quote is $180.19. So the $183 deductible ($15.25/mo), makes the Plan G mo. cost $180.19+ $15.25 = $195.44.

So she saves $13.86/yr. for buying Plan G ($209.30 plan F - $195.44 plan g).

Not much savings. However, when there are cost increases, they will be slightly less for the Plan G (5% of Plan G is less than 5% of Plan F). Also, since healthier people will be in Plan G, the increases for it may be less generally than for Plan F.

UHC will stop selling Plan F soon. I don't know if that means people having Plan F can still renew it, or if they have to change to Plan G.
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Old 10-05-2018, 09:07 AM
 
1,820 posts, read 1,646,204 times
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Quote:
Originally Posted by bpollen View Post
When did yu sign up for Plan F/G? It goes by when you signed up, I believe.
I signed up in August 2018 (birthday month) for a September 1 start date. In California you can change Medicare supplements in a 30 day window around your birthday without going through underwriting so that's what I did. I'd been with Anthem Blue Cross Plan F since I turned 65 in 2011. The BC premium for Plan F was $207.

I also wanted to be in a community-rated plan as BC is age-attained which can greatly affect the rates long-term. In addition I found that the AARP/UHC rates would be much more affordable in the state to which I may eventually move so several factors were at play.

PS . . . just saw your next post. People who have Plan F will be able to stay in it but it will be closed to new enrollees. The Plan F rates are predicted to increase due to the decreased pool of insured.
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Old 10-05-2018, 10:51 AM
 
Location: Wisconsin
23,578 posts, read 50,266,725 times
Reputation: 18237
Quote:
Originally Posted by bpollen View Post
You said Plan G quote is $180.19. So the $183 deductible ($15.25/mo), makes the Plan G mo. cost $180.19+ $15.25 = $195.44.

So she saves $13.86/yr. for buying Plan G ($209.30 plan F - $195.44 plan g).
Monthly savings is $13.96.

Annual savings is $166, as follows:

Plan F Annual Premium - $2,511.60 ($209.30x12)
Plan G Annual Premium - $2,162.28 ($180.19x12)
Difference........................349.32
Less: Part B Deductible.......183.00
Savings........................166.00


Quote:
Originally Posted by bpollen View Post
UHC will stop selling Plan F soon. I don't know if that means people having Plan F can still renew it, or if they have to change to Plan G.
People on F will be grandfathered and keep the plan if they wish.

Last edited by Ariadne22; 10-05-2018 at 11:08 AM..
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Old 10-06-2018, 02:47 AM
 
15 posts, read 14,987 times
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for people that are paying 144.00 for UHC supplement,what state are you in.Im in NY and i signed up for UHC plan g and it is 294.00..does that sound right??
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Old 10-06-2018, 08:59 AM
 
1,820 posts, read 1,646,204 times
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I'm in Northern California and paying $148.32 for Plan G.
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Old 10-06-2018, 09:33 AM
Status: "No longer very optimistic." (set 28 days ago)
 
Location: Coastal Georgia
41,267 posts, read 51,092,918 times
Reputation: 71422
Quote:
Originally Posted by SCGamecock View Post
UHC is required to charge the rate approved by your state's insurance commissioner regardless of the website name. The AARP membership can be canceled after the first year.

Why Plan F instead of G?

The premium savings of G usually covers the Part B deductible. G historically has lower rate increases than F due to healthier enrollees. This should continue into the future given the 2020 changes to Plan F.
That discount is already reflected in the $144 premium based the age you entered as explained by Ariadne.
Not all plans are available in every state. We had AARP plan F, until they dropped our local hospitals, so we went to N. The premiums put a strain on our budget, but it has been a bad health year for us, and the cost has more than paid for itself.

We will shop around, but it won’t surprise me if we stick with what we have.
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Old 10-06-2018, 10:56 AM
 
253 posts, read 169,813 times
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Quote:
Originally Posted by gentlearts View Post
We had AARP plan F, until they dropped our local hospitals, so we went to N.


a medicare supplement dropped your local hospitals?
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Old 10-06-2018, 01:16 PM
 
Location: Northern panhandle WV
3,007 posts, read 2,501,384 times
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Quote:
Originally Posted by roche714 View Post
for people that are paying 144.00 for UHC supplement,what state are you in.Im in NY and i signed up for UHC plan g and it is 294.00..does that sound right??
It would depend on your age as well as your location, but that does seem high. My husband 68 and myself 66 both have UHC plan G and the monthly premium for both of us is less than 294. We are in Hancock county in WV.
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Old 10-06-2018, 01:33 PM
Status: "No longer very optimistic." (set 28 days ago)
 
Location: Coastal Georgia
41,267 posts, read 51,092,918 times
Reputation: 71422
Quote:
Originally Posted by flashlight View Post
a medicare supplement dropped your local hospitals?
Yes. The Plan F was discounted because it had a deal with one of the two local hospitals. It was called “select” I think. For whatever reason, this arrangement was discontinued. The switch to N was seamless, and it was a bit cheaper, so we were OK with it.
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Old 10-06-2018, 01:59 PM
 
Location: Southern California
28,796 posts, read 11,648,417 times
Reputation: 18462
I never bought into the Medicare supplement and I've had Medicare now for 15 yrs. Things have worked out fine for me...I had one surgery and worked out a payment plan to make up what Medicare didn't pay, the 20% of approved charges.

I often think the more insurance one buys the higher all charges are. Just my theory on it all.

And I had one yr of AARP membership and that was enough for me.

Insurance world is full of fear and push to BUY more and more.

My real health insurance are my supplements that keep me healthy and that's where I'd rather put my money than in doctors and pharma's hands. And yes there are things that happen and that's where my Medicare is so good and doctors work with patients if they need help.
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