I live in Arkansas.
I'm not licensed in Arkansas so you can be sure I won't try to sell you anything. But I do have access for rates to almost all, if not all, of the companies and plans throughout the country. I certainly could give you all the information you need without worrying about bias.I live in Arkansas.
YES, Plan F is being phased out starting 01/01/20 but As long as you are on Plan F before Dec. 1st 2019 you WILL be grandfathered inI heard that Plan F is being discontinued (phased out) in 2020. Is that true? If I were to join this year (2019), would I get "grandfathered" in? Would it continue to pay for Part B deductible through future years, if I join now? Or am I too late? Is there a downside to joining Plan F now?
Close, but no cigar. As long as you have Medicare prior to 1/1/20 you can get Plan F. But it still won't be a good value for 99% of us.YES, Plan F is being phased out starting 01/01/20 but As long as you are on Plan F before Dec. 1st 2019 you WILL be grandfathered in
Well, since I am an agent and in fact teach Medicare I know I’m right. Do you want me to get you a link or can you spend 2 minutes learning on your own?Ummmmm sorry you are WRONG
prior to 1/1/20 IS Dec. 1st 2019, if you are an agent you'd KNOW that in order to have a 1/1/20 effective date you would need to enroll at latest Dec. 2019 in a plan F to be grandfathered in
The way I understand this along with every agent and carrier I've spoken with is that if you are eligible for Medicare prior to 01/01/2020 you can get Plan F. Since Plan G generally saves $300 in premium against paying the $185 Part B deductible renders Plan F virtually valueless. Although many agents still sell it and "panic" their clients into believing if they don't buy it now they can't get it after next year.Beginning Jan. 1, 2020, all newly eligible Medicare beneficiaries will not be able to buy a Medigap plan that covers the Medicare Part B deductible
The HDG will be exactly like the HDF with one exception. It's is VERY unlikely but possible you could meet the plan deductible (let's assume $2,300) and not yet met the Part B deductible of $185. That will be the only difference.Yes, thats probably correct. Those darn details. Anyone after 2020 cant enroll from what I understand and are closed. Also, the rising rates in F will probably go up and the pool will not grow. Its really odd that these plans rise and change when the pool risk gets riskier and or some wise people try and creatively get our money and make us pay more. Why in the world cant they get it right. I hate the fact all costs in just about any plan will likely be a steady incline in rates and we have to continually adjust. Ugh the HDF is still open for next year. Im wondering exactly how Plan G will look since there are new adjustments coming in 2020. It seems to me this high deductible is the wave of the future. Im just listening to others. But I did talk with bcbs from the 800 and the agent told they were all waiting to see whats changing. Im wondering how high the deductible will be for the new HDG. Too bad I can have a chance to,change but maybe i can if i like it.
My clients like Plan N because for most it's the best value. Period.Thank you. A person can go watch and read 10 different articles and videos on Plan F and new changes for 2020 and it seems not everyone is accurate.
I was of the belief when imfirst started looking at plans that once you got in your premium and deductible was set. I learned early on thats not the case at all.
How is the N as popularity with your clients? Ive heard G is it but g could become the new F and G to N as far as top 3 choices.
Thanks for this post. I learned something new today.We went with a high deductible f plan .. what a great value for us ... it is 2k a year cheaper then an f plan each ... that is a 4K savings and maybe we each spend 300 each in out of pockets ..
but the best is half of our premiums come back to us with silver sneakers paying the 80 a month for both of us for gym
I hope she didn’t tell you to buy Plan F for hospital benefits. Did you compare the price for other plans?I learned as much as I could in order to ask questions with Select Quote before I signed up. She was very helpful. Don't be too scared there are changes you can make if you are not happy.
Everyone has to buy what they're comfortable using. If Plan F is the one you wanted then you bought the right plan.She said Plan G would suffice but I wanted F.