If you are familiar with Medicare Supplement Plan F, you should also be educated on Plan G.
There is only one difference in the two plans: Plan F covers the $147 Part B (Medical Outpatient) Deductible that Medicare does not cover, and Plan G does NOT cover this $147 annual deductible. This is the only difference between the types of Supplement Plans and Plan G could generally save you hundreds of dollars per year. Here are two examples based on Aetna Health and Life Insurance non-smoking rates in PA (zip code 19154) Example 1: 65 Year-Old Female
Example 2: 70 Year-Old Male
If you are on a Plan F and have no major health problems, give us a call now at 856-866-8900 (or 908-272-1970) and we can see if we can save you hundreds of dollars per year.
14 Comments
Frank R Kovilaritch Jr
8/5/2016 10:09:23 am
Can I just wait( cause I have plan F), until 2019 and get plan G then or will I have to answer the med. question and be disqualified
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Justin Lubenow
8/5/2016 12:44:57 pm
Hi Frank,
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Suzanne Smithson
11/8/2016 08:41:36 pm
I, too, have a Plan F. I was told y my present insurer that if I stay with Plan F, I can be grandfathered into the plan in 2020. Or, I can switch to Plan G or any other plan that is offered through them without having to go through an underwriting process/questionnaire, since it's considered a downgrade from Plan F. At the present time, said company does not offer Plan G in the state of Georgia.
Justin Lubenow
11/8/2016 08:48:41 pm
Hi Suzanne- we have heard some companies that will verbalized a rule, like you can downgrade (e.g. F to G) with no underwriting if you are just moving within the same carrier. We have also even heard of carriers verbalizing that you can upgrade (e.g. Plan N to Plan F) with no medical questions. However we have never seen this put in writing by a carrier and I would be weary to trust a "verbalized" rule that isn't documented anywhere. You should ask if they could send you a letter/email indicating that you could change at any time without medical questions.
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P R Hurst
11/19/2016 01:37:15 am
Plan C also changes then right.? Is situation same as with F?
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Justin Lubenow
11/19/2016 07:18:00 am
Hi there,
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P R Hurst
11/19/2016 11:21:59 am
I am 69. Humana ended my Advantage plan for 2017. Good riddance. Have GI. F is dead. Evidently C is also. Can't get G with my Insulin dependency. What's my best option? AARP/UHC will give me N in KY for $121 honoring my GI (so they say) OR I'm thinking of starting a nationwide
UncleJr
2/1/2018 05:49:53 pm
I agree medicare is a crime. Taking 300 to $400 a month from seniors. I hear Bill Gates and Amazon are doing there own medical program soon for seniors. Cheap. I am going on medicare being forced on due to my SSDI, WILL I ALSO HAVE TO MEET THAT TIME LINE TO NOT ANSWER MED. QUESTIONS?
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Justin Lubenow
2/1/2018 05:56:19 pm
After 24 months on SSDI, you become eligible for Medicare. Then, you are given a 6 month Medigap Open Enrollment period which means you can get a Medigap (aka Medicare Supplement) Plan with no medical questions. After that 6-month period, you would need to go through Medical UW to get a Supplement. When you Turn 65, you will get another 6-month Medigap Open Enrollment period with no medical questions. You can call me with any additional questions -908-481-5651
P R Hurst
11/19/2016 11:24:47 am
Postscript:
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2/24/2017 07:04:31 pm
I am a 74 yrs old woman, non smoker and in very good health. I enrolled in medigap plan F last Nov but find it too expensive .
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Justin Lubenow
2/24/2017 07:20:22 pm
Hi JoEllen,
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Carmela Bonfrisco
8/23/2019 05:20:16 pm
My husband and I currently have Plan F through Untied Healthcare. Am I correct in understanding that if we attempt to switch from Plan F to Plan G, we will have to answer medical questions? Also, can we be disqualified from switching if we have too many medical concerns?
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Justin Lubenow
8/26/2019 03:22:02 pm
Hi Carmela,
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