If you can get plan G, plan N, plan X, get any of them because they are Cadillac plans vs. an advantage plan, according to a Medicare insurance broker. I can go to any doctor that is covered under Medicare, even to a villages health specialist. My deductible is < $200. I also have a prescription supplement that costs $15 a month.
Most advantage plans have high deductibles and you probably will pay a copay and if it’s a specialist, it’s around $65. Plan G, no copays.
Since the supplement plans are much better, the biggest restriction is that after your initial welcome to Medicare at 65, they don’t have to accept you. So if you have an advantage plan now and get cancer or afib and you want to get a plan G, they will probably refuse you. Once you are in a plan G, you will always be in.
1 more thing, you can get a plan G from any state it doesn’t have to be from a florida insurance company. I save over $60 a month by keeping my out of state plan
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