Which Medicare supplement is best?

Asked by Celeste

4 Answers

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Answered by Peter Navarra, Insurance Agent in Torrance, CA
In my opinion, plan "F" is a good option because it covers 100% of where Original Medicare leaves off. Any doctor in the United States that accepts Original Medicare will take plan "F", the member has a zero dollar ($0.00) co-pay, and it even covers up to $50,000 in medical emergency expenses while traveling abroad. Plan "F" covers just about everything Original Medicare won't.

Plan "F" would be my choice. | 06.25.15 @ 20:40
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maryann — We have Plan F through AARP/UnitedHealthcare and very happy with it. | 08.16.15 @ 22:41
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$commenter.renderDisplayableName() — {comment} | 12.06.16 @ 02:55
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Answered by John
I agree with Peter the F plan in most cases. | 07.02.15 @ 19:41
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$commenter.renderDisplayableName() — {comment} | 12.06.16 @ 02:55
Answered by Chad Cason, Agency Owner/Principal Agent in Madison, GA
In my opinion Plan G is more valuable than Plan F- depending on your state. The premiums tend to be about $20-25 less per month as well as having a much lower average rate increase per year than Plan F- thus keeping your premiums much more stable over the years. Plus, lots of companies have household discounts available- some as high as 12% off, just for living with someone. The spouse doesn't even have to apply.

The only difference between Plan F and Plan G is that Plan G doesn't pay the calendar-year Part B deductible of $166. See page 101, 2016 Guide to Medicare & You booklet. | 03.08.16 @ 20:01
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$commenter.renderDisplayableName() — {comment} | 12.06.16 @ 02:55
Answered by Curt Van Hove, Insurance Broker/Agent in Sandy, UT
I feel that Plan G is the best way to go unless you are in a guaranteed issue period such as: just turning 65. A plan G is considerably less expensive than a Plan F but in order to qualify for a Plan G you will always need to be underwritten, It is not that difficult to pass underwriting.

A plan G has only one difference from a Plan F and that is you will pay your Part B deductible, which is only $147 a year.

If you are in good health and already have a Plan F or N then get with a broker to see if you can get a Plan G. I saved $600 a year and another lady saved $2700 a year. You will need to talk to a broker to see which company has the best priced Plan G in your Zip Code. They really vary in price for the exact same plan. | 03.25.16 @ 15:19
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$commenter.renderDisplayableName() — {comment} | 12.06.16 @ 02:55
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