Best Medicare plan B insurance (claim, cancer, government, wife)

[nicet4]

Originally Posted by mathjak107

in our area a G plan is over 300 a month .

for 101 a month i have a high deductible F plan … it has a deductible of about 2800 before the supplement kicks in .

but we layout maybe 400-500 a year in deductibles so over the years we saved thousands of dollars over a full G PLAN .

plus out of the 101 dollars they cover my gym membership which was 50 bucks before medicare so its a score for us

In my area my Plan G is $223.20 a month.

[mathjak107]

Originally Posted by nicet4

In my area my Plan G is $223.20 a month.

we are 335.00

but ny has no milestone increases at different ages like most states .

we also have no medical underwriting to switch plans down the road after an initial choice .

most states increase premiums based on age as you pass certain ages .

so we pay more here but are a bit different then most states

[djmilf]

Originally Posted by mathjak107

in our area a G plan is over 300 a month .

for 101 a month i have a high deductible F plan … it has a deductible of about 2800 before the supplement kicks in .

but we layout maybe 400-500 a year in deductibles so over the years we saved thousands of dollars over a full G PLAN .

plus out of the 101 dollars they cover my gym membership which was 50 bucks before medicare so its a score for us

Just a note - Medicare Plan F isn't available for those who turned 65 on or after January 1, 2020.

https://www.medicare.gov/medigap-sup...r=2024&lang=en

[mathjak107]

Originally Posted by djmilf

Just a note - Medicare Plan F isn't available for those who turned 65 on or after January 1, 2020.

https://www.medicare.gov/medigap-sup...r=2024&lang=en

There are high deductible G plans now

[djmilf]

Originally Posted by mathjak107

There are high deductible G plans now

Yes, but from what I'm reading, G plans cost less than F plans, but cover less. And as near as I can tell, that also applies to the high deductible F and G plans. Not exactly like comparing apples to oranges, but maybe HoneyCrisp to Red Delicious.

Eh, I'm still over two years away from Medicare...it may well change between now and then.

[mathjak107]

only difference between f and g plans is f covers the initial 240 deductible. g you pay the 240 deductible yourself


but the costs savings on g is the better value since f plans were more then the 240 deductible to cover them writing the same checks

[djmilf]

Originally Posted by mathjak107

only difference between f and g plans is f covers the initial 240 deductible. g you pay the 240 deductible yourself


but the costs savings on g is the better value since f plans were more then the 240 deductible to cover them writing the same checks

Up front, I'm seeking info here, not trying to play a game of "gotcha"...

If the g plan has better cost savings, then why are you still on the f plan? Are people not allowed to switch after picking a plan? Or is there another simple explanation that I'm simply not seeing?

[mathjak107]

Originally Posted by djmilf

Up front, I'm seeking info here, not trying to play a game of "gotcha"...

If the g plan has better cost savings, then why are you still on the f plan? Are people not allowed to switch after picking a plan? Or is there another simple explanation that I'm simply not seeing?

because i have a high deductible plan which cost less than a third of a regular g plan and a new g plan in a high deductible is exactly the same price as the high deductible f plan since neither pays the deductible in a high deductible plan

in either case f or g they pay nothing until i hit the 2800 deductible, which in 8 years never happened even with my wife and i hospitalized with covid for two weeks back in 2020 and our bills were 125k each .

we save a lot each year with the high deductible plan vs the regular plan .

about 3800 for the g plan each vs 1200 each .for the high deductible plan .

so we pay 2600 less for high deductible and only spend about 500 a year on out of pocket expenses . we bank the difference and the most exposure we have is an additional 200 bucks because once we hit 2800 everything is covered

we spend under 500 each in out of pocket a year so it’s a big savings with the high deductible plan.

our big outlay is drugs as my trulicity runs 250 a month but that has nothing to do with part A OR B .

that is part of part d coverage and all part d is subject to the gap which happens with all new drugs when you hit them paying out 5k .

after 5k you pay 25% regardless of supplement . the gap is now the old donut hole

so the bottom line is our exposure may be 200 dollars or so higher with the high deductible plan f or g but the ability to save hundreds is far greater with the high deductible version since our out of pockets are way less then a full f or g plan costs in difference

[txfriend]

I have always had A, B, D, and F, I pay the premium and my ex-employer reimburses me monthly.

I understand that you can't get it back once you get off the F plan. Also, the F plan is

coverage when traveling in a foreign country.

I receive a monthly check for $335 and another for dental I think $26.86.

[Wile E. Coyote]

My big concern is Out Of Pocket Maximum. I do not want any plan where it says Max OOP is unlimited.