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Trying to get a straight answer to the question online is not straightforward. Are they Medigap plans? Long-term care options?
The amount of information given at the end of the year is somewhat overwhelming to me. It might be possible to save some money but honestly, I just keep the plans I have and leave it at that. At one point I did have a Part F plan but it got lost when I moved to Cigna. I think. Very confusing to me.
If the F's and G's are a Medicare Advantage-type option, why don't they just say so?
I'd suggest contacting the Medicare SHIP office in your area. You can actually talk to a real live person who can explain plans and options available in your state. Not all Medigap plans are available (or the best coverage) everywhere. Here's the page for OR:
I'd suggest contacting the Medicare SHIP office in your area. You can actually talk to a real live person who can explain plans and options available in your state. Not all Medigap plans are available (or the best coverage) everywhere. Here's the page for OR:
Plans F and G are not Advantage plans. They are Supplements that you could choose with original Medicare. Advantage, or Part C as it is also known replaces your original Medicare Parts A & B.
Plan F is no longer available to persons who became eligible for Medicare after January 1, 2020.
Trying to get a straight answer to the question online is not straightforward. Are they Medigap plans? Long-term care options?
The amount of information given at the end of the year is somewhat overwhelming to me. It might be possible to save some money but honestly, I just keep the plans I have and leave it at that. At one point I did have a Part F plan but it got lost when I moved to Cigna. I think. Very confusing to me.
If the F's and G's are a Medicare Advantage-type option, why don't they just say so?
When you apply for Medicare you get Part A & Part B. Part A covers inpatient hospital care. Part B covers outpatient doctor care. Medicare will pay about 80% of your medical expenses.
Then you get a Medigap plan. This is where the letters from F to G to A come in. Any plan F from any insurance company covers the same items. Different companies will charge a different premium for the same coverage. Not sure why when you moved from another carrier to Cigna why they had you drop Plan F. Maybe Cigna doesn't sell Plan F in your state. Maybe you would have to choose AARP/United Health Care.
Plan F is the most comprehensive. You have to be on Medicare before Jan 1 2020 to be eligible for this coverage. If you were under 65 at this date you don't qualify. You pay the highest premium from $117-$2039 per month to cover all expenses.
Plan G is the next plan you may be eligible for. Pay $89-$1689 month. Pay deductible with this plan.
Some go with Plan N that has a lower premium.
Plan A has the least premium from $56-$1453 per month but provides the least benefit.
Location: Was Midvalley Oregon; Now Eastside Seattle area
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^ agree. Go to the source.
IMO, The Medicare handbook is good enough for Medicare A, B explanations but is confusing for Medigap/Supplement and Medicare D.
In our region, Washington, Supplement Plan C (Advantage), is no longer offered. However, Kaiser is a HMO and C like.
There are Kaiser clinics in OR and WA. I don't know how to enroll. Kaiser at one time had gate keepers and barriers to seeing specialists.
The Handbook also lists many supplemental plans as Advantage, even through they are not. ARRP Medicare Advantage from UHC (UnitedHealth Care) is not Plan C. It could be low G, high G, K, N or something else. The Handbook does not distinguish the alphabet levels.
Plan G is the most inclusive IMO. However, it is not cheap.
Location: Was Midvalley Oregon; Now Eastside Seattle area
13,059 posts, read 7,493,946 times
Reputation: 9787
Quote:
Originally Posted by ExNooYawk2
Trying to get a straight answer to the question online is not straightforward. Are they Medigap plans? Long-term care options?
The amount of information given at the end of the year is somewhat overwhelming to me. It might be possible to save some money but honestly, I just keep the plans I have and leave it at that. At one point I did have a Part F plan but it got lost when I moved to Cigna. I think. Very confusing to me.
If the F's and G's are a Medicare Advantage-type option, why don't they just say so?
Medicare or Supplement Plans, do Not offer Longterm Care.
Trying to get a straight answer to the question online is not straightforward. Are they Medigap plans? Long-term care options?
The amount of information given at the end of the year is somewhat overwhelming to me. It might be possible to save some money but honestly, I just keep the plans I have and leave it at that. At one point I did have a Part F plan but it got lost when I moved to Cigna. I think. Very confusing to me.
If the F's and G's are a Medicare Advantage-type option, why don't they just say so?
F & G are Medigaps. Plan F is expensive, restricted to those who became eligible for Medicare prior to Jan 1, 2020, pays the $240 Part B deductible, difference in premium between F and G is usually more than the deductible, plus closure to newer, younger enrollees negatively affects dilution of costs. There is no long-term care option under Medicare.
If F 'got lost,' sounds like you are now probably on a Cigna Advantage plan and no longer have a Medigap.
Basic primer on differences between a Medigap and Advantage, here:
For clarity - Medigap supplements have lettered PLANS - A, B, C, D, F, G, L, M, N - with varying forms of coverage and coinsurance, described on at Medicare.gov, here:
Footnote mentions the high deductible Medigap, current deductible is $2,800. Many here have the HD plan - low cost, all the benefits of a Medigap, Medicare pays its 80%, you are responsible for teeny copays until deductible is met, thereafter plan pays 100%.
******
Advantage is a lettered Medicare PART.
Medicare Parts are as follows:
A - hospital coverage
B - docs, labs, etc.
C - Advantage - i.e., Medicare benefits administered by a PRIVATE insurer
D - drug coverage - administered by a private insurer.
For those who are new to Medicare - Ariadne22 is the fountain of knowledge! She knows of what she speaks. And she has been extremely generous over the years in sharing her insight. You can trust her completely to give you the real scoop.
Search the forum using her name. You'll see!
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