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Old 02-26-2020, 01:35 PM
Location: Bellevue
1,311 posts, read 1,596,849 times
Reputation: 968


Originally Posted by LoriNJ View Post
Shopping for a plan for my brother. He is 65 years old, has signed-up for Parts A, B and D and now we need to find him a supplemental plan. He has Parkinson's, still in the fairly early stages. Right now, he is doing OK and is still active and working part-time, but I know that down the line, the Parkinson's will worsen.

We're in NJ. United Healthcare (which I *think* is community-rated, but I can't find on their website where they say that) is the plan we're looking at:

Plan G: $155.68/mo
Plan N: $127.04/mo

The big difference I can see between the two plans is (a) no coverage for Excess Charges with Plan N, and (b) an office visit co-pay with Plan N.

Given his health history and likely future need of more medical services, which plan would you go with? My husband has Medicare for years and we have never encountered Excess Charges anywhere. But if you have had experience getting billed for those charges, I would like to hear about it. We can handle an office visit co-pay without a problem.

Thank you to anyone who responds!
Given the health history go with Plan G. Ask to be sure it is guaranteed issue. Ask if there are any additional benefits for Parkinson's. AARP/ United Healthcare may have some discounts from the stated price for AARP members & if payment can be made. You will also need a Part D prescription drug plan for his meds. Figure both plans together to find the real total cost.

The Excess Charge can come up if he needs a specialist. Most common could be a ER visit that could be $50 to $56 then pay for other services (surgery, anesthesia). Find out if your state does not allow "excess charge" that could be 15% of service charge.
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