HDF to HDG (plan, deductible, BCBS, Medigap)

[brucemsc]

Does it make sense to switch from high deductible F to high deductible G?
Will the premiums be any less?

[Ariadne22]

We have only five carriers for the hd plans in WI. Earlier tonight I emailed Standard Life & Accident d/b/a in WI as either American National or Garden State for rates for the HD-F and HD-G. Since the Part B deductible counts toward overall deductible in both plans, it wouldn't seem likely the premiums would differ. I'll post the info when I get it.

[brucemsc]

BCBS here they wont tell you the rates for next year until April 2021.
Hard to make decision not knowing what your fixed costs are this way.

[Ariadne22]

Well, that's because there is no "Annual Open Enrollment" (Oct. 15-Dec 7) for Medigap.

Current AOE applies only to "health plans" - i.e., Advantage and Part D.

So, you are not confined to AOE to decide - Medigaps can be switched at any time.

Keep the plan you have until BCBS sends you a notice - and then shop for another Medigap. You are not confined to Oct-Dec. Use past history as a guide for rate increases - which shouldn't be more than a few dollars for an HD plan.