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MedicareFAQ.com (hereinafter “the Site” or “this Site”) is an online resource for people seeking to learn more about their insurance options. Elite Insurance Partners LLC does not endorse any particular insurance plan, provider, or agent. Any information provided about any particular insurance plan, provider, or agent shall not be construed as an endorsement by Elite Insurance Partners LLC.
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Thank you for the information you provided. Too bad you do not work for the government directly. Your article and answers to questions were concise and on point.
Thank you, Elizabeth! We very much appreciate the positive feedback!
I am presently on Medicare with Plan F. My wife will be 65 in OCT and will be going on medicare. Are we both required to have separate plans or can I add her to my plan?
Hi Ken! Thank you for your question. Your wife would need to get her own plan, Medigap plans are for single individuals.
I enrolled in Nov 2019 and was advised that Plan G is the very same as Plan F but cheaper. Please advise if I was told correctly,
Hi Nancy! So, Plan G is very similar to Plan F, but it’s not the same. Plan F is considered first-dollar coverage, Plan G is not. This is because Plan F covers everything, including the Part B deductible of $198. Plan G does not cover the Part B deductible. So if you have Plan G, you’ll be responsible for paying the $198 deductible. However, many have found that Plan G is the better value because they would’ve spent more in monthly premiums with Plan F that would’ve cost more than the Part B deductible. I hope this helps!
What was an elegantly simple program has been turned into a complicated shell game. See if you can find your health care under one of the shells.
why does the government reimburse insurance carrier for the deductible. I thought my premium covers that cost
Hi Joe! Premiums and deductibles are two different things. A premium is what you pay for the plan, a deductible is a set amount you pay every year towards your medical bills before your plan pays 100%.
plan g best same benefits except part b deductible not included savings in premiums more than covers the $185 part b ded
Hi LP! That is correct for most! However, in some states, the difference in monthly premiums may not cover the cost of the Part B deductible. Premiums for the same plans vary across states & carriers.
I am covered by my spouse at this time. When he retires, will need to switch to my own Medicare… will I still be able to qualify for Plan F. thanks!
Hi Mary! Yes, since you’re considered Medicare eligible prior to 2020, you’ll be able to purchase Plan F.
I also have Plan F, but my monthly premiums are around $245/month, even higher than Sherry’s. I’m don’t know why there is such a variation in premium amounts. Can you help me out? Thanks much.
Hi Sally! This is a common question we get. The premiums are determined by many different factors, including location and how the carrier rates the policy. You may pay $245 in monthly premiums where you live now, but for that same plan, it could cost way less in a different state. Give us a call, we’ll be happy to compare the same plan with other carriers in your area to see if we can get you a lower premium. We can also see what the rates would be for you with another plan that’s close to Plan F, like Plan G. The new High-Deductlbe Plan G may also be a good option for you.
My husband and I both are on Plan F and are THANKFUL everyday we chose to go this route rather than an Advantage Plan. Albeit, our premiums are relatively high ($189 and $218) but we have already seen the benefit. We both have been very healthy up until this year. Both of us have had extreme back issues and the husband had spine surgery. It was those unforeseen medical issues that we worried about and so glad we did! Our motto is: “Pay now or Pay later”……which is what we would be doing now were it not for the fact we chose the Plan F.
Hi Sherry! Thank you so much for sharing your story. It truly helps others in your situation who are unsure if they should go with Medigap or Medicare Advantage. If you had a Medicare Advantage plan in this situation, your out of pocket costs would’ve been way more then what you’re paying in monthly premiums for Plan F. We have a great Facebook community that I know would love to hear this, you can join here!
I’ll do my best to enroll in Plan F before it disappears. I refuse to visit the doctor’s office unless I absolutely have to other than an annual physical. I am sure these changes will not affect in any manner the folks in the Congress who already have the best plans anywhere in the world. Another nice gift from the party which has an elephant in its logo.
Hi Eyup! As long as your Medicare-eligible now, or before 2020, first-dollar coverage plans are not disappearing for you. You can still enroll in Plan F now as well as after 2020.