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G - 100% after payment of $226 deductible, includes excess fee coverage
N - 100% after payment of $226 deductible, up to $20 copay dr. visit, $50 ER; no excess coverage
HD - Medicare pays 80%, you pay 20% up to $2,700 deductible; thereafter plan pays 100%, includes excess coverage
Plan N is one step down from Plan G, requiring small copays which make a substantial difference in lowering the premium as one ages. For example, for me. Plan N premium is $240 v. $330 for Plan G. Plan N also does not cover excess fees (15% of 95% of the Medicare reimbursement) which are imposed by a few nonparticipating Medicare providers. This is usually not an issue for most.
The problem is that if you start with G or F and want to reduce your coverage to say an HD you have to go through rating
If you have medical issues like diabetes even if it is controlled w/oral meds, you are going to be penalized with a higher premium than if you started on an HD (and I don’t know if that was available when we went into Medicare)
The problem is that if you start with G or F and want to reduce your coverage to say an HD you have to go through rating
If you have medical issues like diabetes even if it is controlled w/oral meds, you are going to be penalized with a higher premium than if you started on an HD (and I don’t know if that was available when we went into Medicare)
For Part A there is a $1600 deductible. For Part B there is a $226 deductible. In most plans cover the deductible then make other payments.
In a regular Plan F for a high premium you make no payments for service. To qualify you have to be on Medicare before Jan 1 2020.
In some states for a HD plan you still have $226 Medicare deductible then have Plan deductible. In a HD plan you could have $2490 before the plan pays anything. You probably save on premium. Depends if you have a "good" year to just pay low premium. In a "bad" year your MOOP is a lot higher.
For Part A there is a $1600 deductible. For Part B there is a $226 deductible. In most plans cover the deductible then make other payments.
In a regular Plan F for a high premium you make no payments for service. To qualify you have to be on Medicare before Jan 1 2020.
In some states for a HD plan you still have $226 Medicare deductible then have Plan deductible. In a HD plan you could have $2490 before the plan pays anything. You probably save on premium. Depends if you have a "good" year to just pay low premium. In a "bad" year your MOOP is a lot higher.
You just have to be prepared to pay the OOP cost level
But you still are rated aren’t you if you drop from say a total coverage supplement play like we have now if you want to drop to a lower premium/higher required deductible plan aren’t you?
I think either one of us would be rated for higher risk and not get the regular premium cost if we tried to change
For Part A there is a $1600 deductible. For Part B there is a $226 deductible. In most plans cover the deductible then make other payments.
In a regular Plan F for a high premium you make no payments for service. To qualify you have to be on Medicare before Jan 1 2020.
In some states for a HD plan you still have $226 Medicare deductible then have Plan deductible. In a HD plan you could have $2490 before the plan pays anything. You probably save on premium. Depends if you have a "good" year to just pay low premium. In a "bad" year your MOOP is a lot higher.
Its interesting how these Medigap plans vary by state. In Ma. there are only 2, Core and Supplement1A. There was Supplement 1 but that has been eliminated unless you are grandfathered. So better know your state. https://www.medicare.gov/supplements...-massachusetts
Its tough trying to understand some of these differences.
For Part A there is a $1600 deductible. For Part B there is a $226 deductible. In most plans cover the deductible then make other payments.
In a regular Plan F for a high premium you make no payments for service. To qualify you have to be on Medicare before Jan 1 2020.
In some states for a HD plan you still have $226 Medicare deductible then have Plan deductible. In a HD plan you could have $2490 before the plan pays anything. You probably save on premium. Depends if you have a "good" year to just pay low premium. In a "bad" year your MOOP is a lot higher.
Because I have arthritis in so many areas of my body, I know that my future is going to be filled with joint replacements. So I think the high deductible plan would still be better than paying all the co-pays I would have with an advantage plan. My mom owing $5000 after one rehab stay scares me.
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