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<blockquote data-quote="Warren Allison" data-source="post: 1824647" data-attributes="member: 40587"><p>You have a medicare supplement plan F it pays your -part A deductible and co-insurance, and it pays your part B deductible and co-insurance. Because medicare goes up on those 2 deductibles every year, so does a supplement that pays them; When the federal government got involved in the mid 90's ( God, I hate when the fed government "fixes" anything) they approved 8 standardized supplement plans. Good thing was, you no longer had to compare each company's plans: a BCBS Plan F pays exactly the same as a UCH plan F, or a Mutual of Omaha plan F. All you have to ask is "how much is your plan F?". None "pays better" than the other. Bad thing was, they should have named them plans 1-8 instead of A-H, And when Medicare Part C ( Medicare Advantage) and Medicare Part D ( drug coverage) came along about 2004, it became even more confusing. Pan F supplement plans in this part of GA start at about $150 a month for attained age plans and about $165 for issue-age plans. You won't be able, to change medicare supplements. They are under-written, except for the 3 mos before you turn 65, the whole month you turn 65, and 3 mos after you turn 65. Any other time they are underwritten with extensive health questions. Be fore the government "fixed it" in the 90's carriers could exclude pre-existing conditions or rate up and cover them, or put a waiting period then cover them. The gov felt that was too confusing for seniors, so now they just decline to write anyone unless they are in perfect health except for that 6 mos guaranteed issue period. What you can do, and sooner or later you will have to, is enroll in a Part C Medicare Advantage plan. They are zero premium in most states, and are guaranteed issue, no heath questions are asked, and you can change plans once a year at open enrollment. and yes, the insurance company sends you a debit card that they load every month with a few hundred dollars that you can buy OTC drugs with, food, gas for your car, utility bills, all sorts of things really, except tobacco or alcohol,. as well as your membership costs for a gym.</p></blockquote><p></p>
[QUOTE="Warren Allison, post: 1824647, member: 40587"] You have a medicare supplement plan F it pays your -part A deductible and co-insurance, and it pays your part B deductible and co-insurance. Because medicare goes up on those 2 deductibles every year, so does a supplement that pays them; When the federal government got involved in the mid 90's ( God, I hate when the fed government "fixes" anything) they approved 8 standardized supplement plans. Good thing was, you no longer had to compare each company's plans: a BCBS Plan F pays exactly the same as a UCH plan F, or a Mutual of Omaha plan F. All you have to ask is "how much is your plan F?". None "pays better" than the other. Bad thing was, they should have named them plans 1-8 instead of A-H, And when Medicare Part C ( Medicare Advantage) and Medicare Part D ( drug coverage) came along about 2004, it became even more confusing. Pan F supplement plans in this part of GA start at about $150 a month for attained age plans and about $165 for issue-age plans. You won't be able, to change medicare supplements. They are under-written, except for the 3 mos before you turn 65, the whole month you turn 65, and 3 mos after you turn 65. Any other time they are underwritten with extensive health questions. Be fore the government "fixed it" in the 90's carriers could exclude pre-existing conditions or rate up and cover them, or put a waiting period then cover them. The gov felt that was too confusing for seniors, so now they just decline to write anyone unless they are in perfect health except for that 6 mos guaranteed issue period. What you can do, and sooner or later you will have to, is enroll in a Part C Medicare Advantage plan. They are zero premium in most states, and are guaranteed issue, no heath questions are asked, and you can change plans once a year at open enrollment. and yes, the insurance company sends you a debit card that they load every month with a few hundred dollars that you can buy OTC drugs with, food, gas for your car, utility bills, all sorts of things really, except tobacco or alcohol,. as well as your membership costs for a gym. [/QUOTE]
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