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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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#2

I see you are 65 and have Medicare A and B ？
It is very complicated, I researched for a long time and agonized over it a lot, but in the end the ZIP code really narrows down the possibilities of which plan you can get.
In the end, the higher the premium, the better the coverage （ the lower deductible ） so I chose BlueShield which is the cheapest ＄ about 70.
The Gap Plan is for unexpectedly huge medical expenses, so I chose it because the highest deductible is about ＄ 3000.

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#3
  • 。。
  • 2022/08/14 (Sun) 11:24
  • Report

Everyone's situation and preferences are different, so it would be good to have an agent come to you with a few choices and decide from there which plan suits you best ？.

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#4
  • もうすぐ卒業
  • 2022/08/14 (Sun) 11:48
  • Report

Is there such a thing as an agent, not directly an insurance company, but an agent ？?

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#5
  • 。。
  • 2022/08/14 (Sun) 13:24
  • Report

Yes, there is. An insurance agent. It's too much work if you go directly to each and every insurance company by yourself. There are too many insurance companies and plans.
With an agent, you can find a number of plans that are suitable for your situation. You can choose from them.
Agents seem to get commission from insurance companies.

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#6
  • 昭和のおとっつぁん
  • 2022/08/15 (Mon) 07:27
  • Report

I remember from insurance agents
the premiums for car insurance vary widely from agent to agent.
They also include the cost of maintaining the office where they have their office.

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#7
  • C plan
  • 2022/08/17 (Wed) 10:52
  • Report

If you are an Agent of an insurance company seller, you introduce only the Products of that insurance company, right? ？
That would limit the choice even more.

For example, BlueShield, Aetna , Molina , United Healthcare etc. Is there an Agent who handles all insurance ？

Each person has a different idea of which insurance is best for them.

Personally, I have found that some Medigap's cover overseas medical care and some do not.

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#8
  • 昭和のおとっつぁん
  • 2022/08/17 (Wed) 12:23
  • Report

＃ For example, BlueShield, Aetna , Molina , United Healthcare, etc. Is there an Agent who handles all insurance ？

Independent, with a home office or an office
. An Agent would be able to find you what you want first and foremost.

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#10
  • C Plan
  • 2022/08/19 (Fri) 11:04
  • Report

You don't have to know Medigap to hear Medicare Suppliment.
This insurance covers what Medicare does not cover. Only Medicare A and B are available starting at age 65, and if you add Suppliment later, a fine is added to the premiums, which can be quite expensive.

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#12
  • 昭和のおとっつぁん
  • 2022/08/19 (Fri) 16:44
  • Report

11 Are the two of you on Medicare for just under $ 300 per month?

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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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