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Medicare Supplement Plan Reviews


Medicare Supplement plan reviews can be helpful when shopping for Medigap. Since the plans are standardized, the company you choose needs to have good ratings. Also, the plan that is the “best” for you might not be great for your friend. Medicare is a situational thing when it comes to finding suitable coverage. 

Medicare Supplement Plan F Reviews

Plan F remains the most comprehensive coverage. It’s no wonder Plan F reviews are some of the best in the nation; this policy is an A+ plan. If you’re looking for a policy that leaves you with no copayments or deductibles, Plan F is your best bet. A version of this plan with added benefits is also available. However, you can only qualify for Plan F if you weren’t newly Medicare-eligible.

What do the Medigap Plan F Rate Trends Look Like

Rate increases are an essential factor to consider; unfortunately, it’s difficult to predict these, so trends are the only thing we can discuss. Rate increases vary by company, policy, and location.

Since there are so many factors, it may be next to impossible to find the specific numbers you want. But, we’ll do our best to explain why some plans may have a higher or lower rate increase.

In our experience, Plan F rate increases can fall around 7% – 10% depending on the company and your location. Plan F rate increases are often higher than the rate increases of other policies.

High-Deductible Plan F Reviews

High-Deductible Plan F scores an A+, and the plan is available through several of the top companies. Just like Plan F, you must not be newly Medicare-eligible to qualify for this plan.

What do the Medigap High-Deductible Plan F Rate Trends look like

From our experience, United American has a great High Deductible F plan, and they hardly give any rate increases on this plan. Of course, it always depends on your location. Compared to the standard Plan F, the high deductible version has a much lower rate increase each year.

Medicare Supplement Plan G Reviews

Plan G is a close second in favorites. Medicare Supplement Plan G gets A+ with every top company because, like all Medigap plans, it pays when Medicare pays. It’s possible that over the years, this will become a more popular option since Plan F is going away. But, whether more people have plan F or not, Plan G reviews are incredible!

What are the Plan G Rate Trends

In the last few years, Plan G has seen a low rate increase. Much smaller than Plan F, but possibly higher than High Deductible Plan F. Some carriers have had rate increases of 3% or lower. Of course, there are some carriers and locations that have seen slightly higher increases.

High-Deductible Plan G Reviews Look Like

Newly-eligible beneficiaries can enroll in a High-Deductible Plan G policy. The plan works like the High-Deductible F policy and will not cover the Part B deductible.

What do the Medigap High-Deductible Plan G Rate Trends Look Like

Since High Deductible Plan G is a new policy it’s hard to say what the rate increases for this plan will look like in the future. Our best guess, it’s going to have a small rate increase similar to High Deductible Plan F.

Medicare Supplement Plan N Reviews

Just like the other plan options, Medigap Plan N is worthy of an A+ rating. It’s noteworthy to say that you need to understand the copayments on this plan before enrolling. For some, the copayments alongside the premium can feel like nickel and diming every time you go to the doctor.

What do the Medigap Plan N Rate Trends look like

Plan N rate increases tend to be low, falling below 3% on average for most companies. Since the companies don’t take on as much of the cost per doctor visit, you reap the benefits in lower rate increases. If a high deductible option is something you’re against, Plan N could be a great alternative if you don’t want the higher premiums of Plan G or Plan F.

FAQ’s

Is Plan F the best Medigap plan?
Plan F offers the most extensive coverage to help fill those Medicare gaps. But that doesn’t mean it’s the “best.” If Plan G has annual premium savings that are less than the Part B deductible, you can save money by choosing to pay the deductible yourself. The best policy is the plan that brings you the most value. So, you and your partner could have different plans because you have different medical needs.
Do Medicare Supplement plans have star ratings?
Medigap plans don’t use star ratings, only Medicare Advantage plans, and Part D use a 5-star rating system. Since Medigap plans cover at least as well as Medicare, there is no need for a star-rating. When Medicare approves a claim, the Medigap plan must also approve. Because of this, all Medigap plans have a 5-star rating in our book.
How to compare Medigap policies?
You may be wondering the difference between Plan F vs. Plan G vs. Plan N; and, that’s normal. Most people that are new to Medicare need some kind of guidance. Thankfully, we’re here to answer all your questions and help you compare Medigap plans.

MedicareFAQ Medicare Supplement Plan Reviews

Much like we said before, the company you go through will make or break the Medigap experience for you. Here at MedicareFAQ, our client testimonials are essential to us.

We love our clients, and they love us. Taking our time to explain everything, answer questions, and identify suitable coverage is our passion. There is no need to feel in over your head when our experts are ready to walk you through the process. MedicareFAQ gets an A+ in our book, and I believe our clients feel the same!

Here at MedicareFAQ, we take pride in helping our customers find the plan they love. Our agents will help you compare Medicare Supplement Plans and rates. Then, once you decide the policy that is best for you, we’ll walk you through the enrollment process and be here for you long after your plan is in place. Call us at the phone number above or complete an online rate form for a quote in minutes. We’re here for you!

Lindsay Engle

Lindsay Engle is the Medicare expert for MedicareFAQ. She has been working in the Medicare industry since 2017. She is featured in many publications as well as writes regularly for other expert columns regarding Medicare. You can also find her over on our Medicare Channel on YouTube as well as contributing to our Medicare Community on Facebook.

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