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My Medicare starts July 1st and I was looking at UHC supplements as that's what hubby has and we can get a discount for both of us going with the same plan. It came up with the current rates, but when I put in my personal information it is showing the rate for F going down, plus it is now showing a G, which they didn't have before.
I'm surprised that the addition of a G plan would cause an F plan rate going down. Went from about 152 down to 139.04. Does this mean that hubby's rate will also decrease if he stays with F instead of going to G as we originally planned? The rate for the G plan seems to be 118.40. If that's the case then the difference, after taking the deductible into account, seems to be saving only about 5.39 a month to go from F to G and not sure it's worth the hassle until the rates of the F go up too much.
Is there something I'm not seeing? Any information on the new G plan? I'm assuming that it's pretty much the same as an company's G plan. What will it take for him to change from F to G if we decide to go that way? This is in Delaware, BTW.
It is not an actual reduction in Plan F rates - it is a new pattern of discounts. UHC offers discounts off of their community rates based on when seniors sign up for their Medigap policies. Until July 1, the maximum discount they offered was 30% at age 65, 27% at age 66, 24% at age 67, etc., until it wears off at age 75 and the senior pays the full community rate. For policies that are effective beginning July 1, they are revising the discount structure so that it is 36% at age 65, 33% at age 66, until it wears off at age 77 and the senior pays the full community at age 77.
Plan G is now available in most states effective July 1. I do not know if switching from F to G will allow you to qualify for the new discount structure - contact them to find out.
So in other words, Moshe, my hubby's rates won't change since he signed up starting May 1st. Would have been nice to know this from AARP ahead of time so that he could have waited the 2 months. I'm sure UHC wouldn't want you to know that since it gets them more money.
We'll have to check about switching to see if it would kick in if he changes from F to G. Thanks!
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