Looking for feedback re: High Ded. Plan G
- Thread starter KathyAnn
- Start date
Kaila
SF VIP
Hi, KathyAnn,
I don't currently have a Plan G, which I believe is one of the Medigap plans, which years ago, were called Companion plans.
It seems like a very good idea to me though, and a high deductible one, will have a lower required monthly premium.
I hope that works well for you. Some people at our site like their Advantage plans, but others of us do not want one, for the reasons you named, as well as other additional reasons, such as the required pre-approvals.
Find out if the Plan G includes Drugs or not. If it does, then you do not need any Part D; but if it doesn't then consider a high deductible, low-premium Part D, as a stand-alone, in addition.
Even the cheapest Part D plans do cover some items, and assure that if you want a Part D anytime in the future, that you will not need to pay penalty fees for not having some drug coverage all along.
Again, if some med coverage is included in the type of specific Part G you choose, then I think there's no ramifications to not taking any Part D at this time.
Just my ideas! I am not an expert.
I don't currently have a Plan G, which I believe is one of the Medigap plans, which years ago, were called Companion plans.
It seems like a very good idea to me though, and a high deductible one, will have a lower required monthly premium.
I hope that works well for you. Some people at our site like their Advantage plans, but others of us do not want one, for the reasons you named, as well as other additional reasons, such as the required pre-approvals.
Find out if the Plan G includes Drugs or not. If it does, then you do not need any Part D; but if it doesn't then consider a high deductible, low-premium Part D, as a stand-alone, in addition.
Even the cheapest Part D plans do cover some items, and assure that if you want a Part D anytime in the future, that you will not need to pay penalty fees for not having some drug coverage all along.
Again, if some med coverage is included in the type of specific Part G you choose, then I think there's no ramifications to not taking any Part D at this time.
Just my ideas! I am not an expert.
Last edited:
Teacher Terry
Well-known Member
In many states if you are not happy with your plan you have to pass medical underwriting to change plans so choose carefully. The exception is if you are changing to a plan with lesser benefits. I would go with a regular G plan.
Farrah Nuff
Senior Member
- Location
- East of the sun, West of the moon
Plan G …
Your backup when plans A-F were found to be lacking!
Your backup when plans A-F were found to be lacking!
I'm in Florida so the regular plan G is out of my budget. The HDG keeps my premiums low but I have enough money set aside if I should have to pay the full deductible. It's really a matter of location and finances as to which is better on an individualized basis.
If you need that coverage and can afford it, that is the way to go.
.. My late husband had to pay for Medigap coverage in his last years of life ... it was totally draining - their prices rose often.
... the drug costs were ridiculous too.
And this was 10 years ago.
mathjak107
Well-known Member
- Location
- bayside ,queens , ny
he have a humanna high deducrible F PLAN . i know they dont do new F plans ... it works amazingly well for us
Teacher Terry
Well-known Member
I thought about a HD plan g but in my state I will be stuck with it forever so decided against it. Also someone mentioned that as I age it might be harder to keep track of when the deductible is met, etc. I end up changing my RX plan yearly because the premium goes up a lot and then I switch to a cheaper one.
My supplement plan goes up 20/ month every year. It’s weird that Medicare is a federal program yet every state has different rules.
My supplement plan goes up 20/ month every year. It’s weird that Medicare is a federal program yet every state has different rules.
mathjak107
Well-known Member
- Location
- bayside ,queens , ny
The rules are based on different costs to provide health care in different states .
You can’t compare prices in New York with prices in Alabama.
we are also on different pricing programs .
nyc for instance is community based …there are no different prices for different age groups .
we can switch plans and even Medicare to advantage plans at open enrollment with no medical underwriting.
but we pay a lot for premiums .
Other states are aged based and increases are higher as you hit different ages
You can’t compare prices in New York with prices in Alabama.
we are also on different pricing programs .
nyc for instance is community based …there are no different prices for different age groups .
we can switch plans and even Medicare to advantage plans at open enrollment with no medical underwriting.
but we pay a lot for premiums .
Other states are aged based and increases are higher as you hit different ages
pdagosti
New Member
So, high deductable means you have to pay that amount before your coverage kicks in? In FL I believe its $2700. Been on an Advantage plan 2nd year, but wondering if I should switch. They make sooo confusing.
I went with Plan G ( and D). The out-of-pocket for my government sponsored retirement (free) advantage plan was almost 6k plus the pre-certification hassle (sometimes Advantage will not approve a procedure that traditional Medicare will).
But that’s just me. Others are very happy with their Advantage plans.
But that’s just me. Others are very happy with their Advantage plans.