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NY State has not granted insurance increases

Posted 11-23-2022 at 07:04 PM by jdhpa

Originally Posted by Ariadne22 View Post
The 12/15 date for you, and any Medigap holder, is meaningless.

Open Enrollment ONLY applies to Advantage and Part D plans, otherwise known as "health plans."

You have a Medigap, which in NYS is guaranteed-issue year-round, which means you can buy/switch policies at any time without health underwriting.


Consider a high-deductible Medigap. After payment of $226 Part B deductible (2023), Medicare pays its 80%, you pay 20% up to $2,700 (2023 HD deductible), which includes the $226 Part B deductible. Thereafter, between Medicare/Medigap, all Medicare approved expenses are paid 100%.

Many here have the high-deductible plan. A very cost-effective policy which provides all the catastrophic protection of a Medigap, usually at 1/3 the cost of a full Medigap. Most people find their annual 20% may not exceed a few hundred dollars; meanwhile the coverage is there should disaster befall.

NYS links to its Medigap pricing - the high deductible plans are either F+ or G+ - they are essentially the same plan, the difference in premium is b/c of a closed risk pool for F which is no longer available to those eligible for Medicare after 1/2020. In short, get the G+:


Fyi, Humana includes a gym membership in some areas which raises the price of its policies.
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