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Topic

Medigap plan (Medecare ))

Question
#1
  • kume
  • mail
  • 2022/08/09 16:37

Medigap plan Please let us know your insurance recommendations.

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#13
  • おとっつぁん
  • 2022/08/19 (Fri) 20:00
  • Report

12

How much are you paying?

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#14
  • C Plan
  • 2022/08/19 (Fri) 20:10
  • Report

Did the agent decide on Suppliment without explaining ? Medicare A ( inpatient ) 100% but B ( doctors, tests, etc ) only 80% so you have to pay 20% of your own expenses?

Suppliment seems to be a lucrative business and we get a lot of ads when we renew in October. We have a cheap plan, $ about 120 for 2 people, so $ 300 is a very advanced plan without deductible. I don't know if it would be a good idea if you have a pre-existing condition and have high medical expenses. It seems that it is almost impossible to upgrade, but it is easy to change to a cheaper plan. You can do a little research on your own and then talk to other agents.

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#18
  • C Plan
  • 2022/08/20 (Sat) 10:48
  • Report

I understand that the coverage is the same because it is subject to the Medicare A and B rules, which everyone is on.
The difference will be how much Medicare B pays for the 20% co-pay. ( Basically, I think the Deductible is higher or lower, but check with your agent )

# Of the 16 medical expenses, did you have zero co-pay ?

Medicare's I found the site and have attached a link to it below. Since hospitalization is covered 100% by Medicare A, it is unlikely that Medicare B ( doctors, tests, etc. ) co-pays would be as high as $10,000.

Medicare D will not cover drugs unless they are separately enrolled in Medicare D. Maybe $ the 300 premium includes this ? cheap Medicare D is $ less than 10.

https://www.medicare.gov/supplements-other-insurance/how-to-compare-medigap-policies

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#20
  • C Plan
  • 2022/08/21 (Sun) 12:02
  • Report

# 19 , may be a high grade Medigap called Deductible zero. Since I never reached Deductible even with substantial medical expenses, for example, $ 1,500 Deductible, I am in High Deductible because I think it makes sense to pay a higher premium of $ 1,200 per year to reduce 1,500 Deductible to zero.

I think there are other Benefit for High Deductible other than Deductible, but...

Now I regret a little that I should have taken ( Drug separately ) Advantage for about $ 10 per month, but I cannot change it.

At any rate, you should check what your current plan is and consider what to do when you renew in October.

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#21

It seems to be jumbled up and out of place. 🙏🙇 ♀️🙏🙇 ♀️

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