Quote:
Originally Posted by Rainger99
As far as I can tell, you can switch if you are in reasonably good health.
I called a company that sells medigap. He said plan G and plan N are the two most popular medigap policies. N is quite a bit cheaper than G. As far as I can tell, the main difference is that G does not have a copay when you visit the doctor but N does have a copay.
He said I could get G for about $205 a month and N for about $152. Drugs are about $75 a month.
I also asked him about the difficulty in switching from advantage to Medicare. He said it is pretty easy unless you have significant pre-existing conditions such as dialysis, severe heart problems, diabetes, or advanced cancer. He estimated 95% are approved.
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I think you may be right about it being easy to switch when you are in fairly good health. However, the Medicare Supplement Plans differ in cost depending on which one you choose.
I am currently in Plan G with Florida Blue & it is $221, but my Plan D drug premium is zero dollars a month, so about $58 less than you were told. I chose those plans. There are MediGap Plan G High Deductibles with premiums ranging from $52 - $97 (this is Sumter County). You can look through your options at the Medicare.Gov website. You do not have to belong to look through the options. Choose to 'continue without logging in'.
Find a Medicare plan
(One of the reasons I liked the Florida Blue plan was it is one of the ones that say they will not raise premiums as we age. I also agree with the advice of one of the earlier respondents: marry the supplement, date the drug plan. Pick a good plan for life, but review drug plans each year to meet your potentially changing needs).