Which Medicare Supplement Insurance Plan Do You Have?

[highcotton]

http://www.youtube.com/watch?v=b416HJl0nRk

[highcotton]

http://www.youtube.com/watch?v=t8hdGnP2Nwo

[highcotton]

http://www.youtube.com/watch?v=b9KoTjU-mmg

[Poncho_NM]

Originally Posted by highcotton

You do know what Medicare type insurance plan you have, don't you?

Yes. I have TRICARE For Life with Medicare Part A and B...

[bongo]

Our current health insurance, which will become our supplemental at age 65, dicates that we get Medicare Part A & B. Makes our choices easy

[ceg0720]

I turned 65 this past July and have Medicare (period). What I have learned reading these posts is that you need money for everything and unfortunately I have very little of that but have a few medical issues. I have decided that it doesn't matter anymore if I see a doctor or not .. the little money I have has to go to keeping a roof over my head and paying bills. If I die tomorrow it won't matter ... we die in the end anyway so why prolong the agony ?

[Lola The yorkie]

Originally Posted by Ariadne22

You don't have a Medigap - You have an Advantage Plan, otherwise known as Medicare Part C.


You are in an Advantage Plan - otherwise known as Plan C.



Here:

https://www.city-data.com/forum/healt...advantage.html

I also responded to you at length a month or so a while back, but apparently you never read it:

Adriadne22

thanks so much for posting this...you sound very literate in this field..so please answer a ?? for me...who thought I knew it all..(sorry...must be my type A personality)

I always thought that Medicare had some sort of "rules" that protected the consumer..ie..a Plan F with one provider IN your geographical area..would be the same regardless of which HI one chose..when I chose hubby's Plan F when he turned 65 I thought that was what the broker we know well told me...

Now years later..of course hubbys monthly premiums have gone up..that I get..I am 5 years younger..but chose the same HI also Plan F..so far so good..yes..it is not cheap..but we never expected it to be..and we figure they are losing money on us..as we both have had both surgery and procedures since on Medicare...I like the idea of NO copays or deductibles..but even more so..that NO provider has ever refused us..and we have never had to pay anything..of course other than the monthly premiums..I have done the math..and it really does not take too many "incidents..surgeries, colos etc " per year..to make it cost effective..perhaps we have had more than the average "incidents"..to make this add up..rather than pay up front and be able to call our providers of choice than pay as we go..worse still..to be told "no we don't take that supplement"..

another tidbit..perhaps we should have known this..have a year when one's adjusted gross income is higher can result in Medicare doubling your Part B payment..a year ago we sold a condo...yes had some nice capital gains..but ended up in the next income category..for the next year we are paying EACH 209 bucks per month...no..we are not rich..but capital gains did us in...IRS shared with Medicare our 2012 AGI...voila..we pay more...no...we do realize why and how this happened..

[Ariadne22]

Originally Posted by Lola The yorkie

so please answer a ?? for me...who thought I knew it all..(sorry...must be my type A personality)

I always thought that Medicare had some sort of "rules" that protected the consumer..

Now years later..of course hubbys monthly premiums have gone up..that I get..I am 5 years younger..but chose the same HI also Plan F..so far so good..yes..it is not cheap..but we never expected it to be..and we figure they are losing money on us..as we both have had both surgery and procedures since on Medicare...

another tidbit..perhaps we should have known this..have a year when one's adjusted gross income is higher can result in Medicare doubling your Part B payment..a year ago we sold a condo...yes had some nice capital gains..but ended up in the next income category..for the next year we are paying EACH 209 bucks per month..

So, what's the Q???

Are you asking about Medigap rates?

Rates vary by carrier, region and, usually, age, depending on if your plan is community rated, or attained or issue-age rated.

Most Medigaps are attained-age rated, which is why, when one gets in their 80's, these plans can be very costly.

UHC offers community-rated Medigap F plans in many states, so whether you're 65 or 85, your premium is the same. Not sure about your state. Go to medicare.gov and search plans for your zip. How the carrier rates the plan is clearly stated.

Yes, Medigap F is Medigap F as far as coverage. In some states, you can also buy a high-deductible F with a $2,140 deductible. Premium for hd-F is usually about half of the regular Medigap. I rarely doctor, so hd-F works for me.

Yes, Medicare Part B premiums can be higher if your AGI is higher, as you've discovered.

[InquiringOne]

My husband & I both signed up for Plan G