Please do your research by calling the experts as this is a very important and potentially costly decision. I have original Medicare with a supplement. I chose plan F- HD (high deductible). I am paying $75.65 per month and the high deductible is $2200. All supplements are regulated by the government, meaning all Plan F are the same, but not all the premiums will be the same. Why pay more to an insurance company when all Plan F are the same? These plans are regulated by the government.
There is a lot of good information on YouTube so you can get an idea and be more knowledgeable. Try these videos, very helpful (medigapseminars.org). Full disclosure, I have no business interest in these videos except as a learning tool so I could make a decision.
Remember, how do you plan for a heart attack, a stroke, a car accident, etc. ahead of time! The 20% is going to be very expensive out of pocket for your family. My best to you in this very personal choice. Good luck!
|