Medigap and Medicare Advantage plan.

[hyesook kim]

Hello,

I’m new to Medicare and still learning how it works. I thought everyone enrolled in Part A, Part B, and the Supplement Plan (Plan C). However, I’ve heard some people say that instead of the Supplement Plan (Plan C), it’s better to get Medigap.

From what I’ve been told, although Medigap costs a little more, it provides better coverage and takes care of your health needs more thoroughly. I’ve also heard that Medicare Advantage (Plan C), since it’s run by private companies, may not always provide the proper care you need.

Is this true? Would it be better for me to choose Medigap? I don’t have any significant medical issues at the moment, but I’ve also heard that it might be difficult to switch to Medigap later if I start with Plan C.

I’d really appreciate your advice.

Thank you!

 

[MACKTEXAS]

Hello,

I’m new to Medicare and still learning how it works. I thought everyone enrolled in Part A, Part B, and the Supplement Plan (Plan C). However, I’ve heard some people say that instead of the Supplement Plan (Plan C), it’s better to get Medigap.

From what I’ve been told, although Medigap costs a little more, it provides better coverage and takes care of your health needs more thoroughly. I’ve also heard that Medicare Advantage (Plan C), since it’s run by private companies, may not always provide the proper care you need.

Is this true? Would it be better for me to choose Medigap? I don’t have any significant medical issues at the moment, but I’ve also heard that it might be difficult to switch to Medigap later if I start with Plan C.

I’d really appreciate your advice.

Thank you!

This is input, not advice. I had Medicare and Medigap until last year. It didn't cost me a "little more" than an Advantage Plan. The difference was significant. My Medigap premiums were approaching $200 a month. BUT: I could see any doctors who accepted Medicare, whereas I'm restricted to "in network" doctors on my advantage plan, and advantage plans require pre-authorizations for certain diagnostic tests. [Medicare generally does not.]

I switched to Advantage to hold down my insurance costs because the cost of everything else is rising so much these days. But, if you're in a financial position to choose a Medigap plan, you might be happier with it than an Advantage Plan. Yes, it can be difficult to be accepted by a Medigap plan if you have serious health issues.

The insurance broker that helped me when I chose my Medigap plan was click here (Boomer Benefits) . They are known to be reliable and work with seniors in most states. If not your state, they can probably suggest someone else to speak with.

 

[hyesook kim]

This is input, not advice. I had Medicare and Medigap until last year. It didn't cost me a "little more" than an Advantage Plan. The difference was significant. My Medigap premiums were approaching $200 a month. BUT: I could see any doctors who accepted Medicare, whereas I'm restricted to "in network" doctors on my advantage plan, and advantage plans require pre-authorizations for certain diagnostic tests. [Medicare generally does not.]

I switched to Advantage to hold down my insurance costs because the cost of everything else is rising so much these days. But, if you're in a financial position to choose a Medigap plan, you might be happier with it than an Advantage Plan. Yes, it can be difficult to be accepted by a Medigap plan if you have serious health issues.

The insurance broker that helped me when I chose my Medigap plan was click here (Boomer Benefits) . They are known to be reliable and work with seniors in most states. If not your state, they can probably suggest someone else to speak with.

Thank you!