Changes to Medicare Advantage plans for 2026
 

I have never been a fan of advantage plans and the future makes them even more bleak. Not only hospitals not accepting Advantage plan clients, insurance companies are folding their advantage plans starting next year. If you currently have an advantage plan or are going to turn 65 in the near future, look at this video, some people might be without insurance or having an insurance plan that doesn't look like the current plan you have.

https://youtu.be/8Pq6H7UZBbU?si=0swL3qWatf2Pf6rV

Interesting, but not surprising. At least there’s some good news for those folks who have their current Advantage plan discounted, it will give them guaranteed issue rights to switch to a supplemental plan without medical underwriting.

And to top it off, traditional Medicare is beginning to "test" dropping some coverages on certain procedures in certain states. You have to "qualify" or be approved for the procedures. Tip of the iceberg I'm sure and when you think about all the free medical care that has been handed out and senior citizens need to worry about coverage. What a rat's nest!

Do you know if this includes supplemental Plan N by chance?

5.1 rate increase vs 2.2 rate increase. Unfortunately, more people wanted the 5.1 increase. Enjoy it!

No supplemental plans are affected, only advantage plans. He referenced plan N as an alternative to plan G which is the GOLD standard supplemental plan, according to my broker. You can’t get plan F any longer, and plan N has different coverages. You can’t get different coverages with a plan G also.

According to the video, guaranteed issue rights might not apply to Plan N in some states, but Plan G would be available (or Plan F if you became eligible for Medicare before 1/1/2020).

I believe she was asking whether there will be guaranteed issue rights to a Medicare Supplemental Plan N if her Medicare Advantage plan is cancelled. This is addressed in the video (which I also found the other day) and the answer appears to be "no" or perhaps "it depends". Regarding Plan F, you can still get Plan F if you became eligible for Medicare before Jan 1, 2020. If you are on Medicare with a different lettered Supplemental plan, or are on a Medicare Advantage plan, then a switch to Plan F could require underwriting. Some insurance companies, such as AARP/UHC, allow changes among the lettered Supplemental plans without underwriting (again, with Plan F you would need to have been eligible for Medicare before Jan 1, 2020). Regardless, Plan F might be a bad deal because the difference between Plan F and Plan G is the $257 Part B deductible (included with Plan F) but the premium difference might be greater than the Part B deductible. The plans are otherwise identical. Plan N might be the most cost effective if you don't have many Dr visits each year, that might have a copay. The difference between Plan G and Plan N is the possibility of copays and excess charges (pretty rare). Otherwise, they are identical regarding coverage but Plan N will have a lower cost.

Why are you trying to scare us?

Wait until they see the rate increases on supplement plans. If they wanted to, they could watch the video on the 20 costs of these plans.

This is your insurance broker? Would you please share their contact info? Thanks for the post.

Going Supplemental
 

We are going with a supplemental because United Healthcare doesn’t honor Medicare Advantage.

Freedom Advantage Plan
 

So I guess the $1000.00 free golf between the two of us and the $120.00 over the counter between the two of us will be a thing of the past?

Everybody knew when you started Medicare, if you don’t go with a supplement plan initially, you have a slim chance of converting to 1 later on in life. If you have any medical issues in the last 2 years, these supplement plans will not accept you.

So if your advantage plan goes south, or they eliminate all the freebies or raise your prices, you should go thru the supplements normal underwriting procedures to see if you qualify.
Not all advantage plans are going south, so you still can get an advantage plan but probably without the freebies.

Also, I’ve heard plan f participants pay more that plan g participants because there are many more plan g clients to spread out the costs. A friend my age pays over 2x more for his plan f than I pay for plan g.

Not sure how you have all the details for Medicare plans for 2026 when the insurance brokers who deal with all the plans will not have any information until close to open enrollment. Yes there will be changes what they will be we don't yet. We don't even know what exact cost Medicare part B premium will be yes there are estimates but not the exact dollar