Playing the "what if" game along with "I know people who" is mostly meaningless until you (your client) is the one with a surprise diagnosis.
One of the first people I wrote when I switched to Medigap was a guy in supposedly perfect health. Non-smoker, not overweight, played tennis 2x per week.
A few months after going on Medicare he had a massive heart attack . . . while playing tennis with his cardiologist . . . the same one who gave him a complete physical including stress test a week earlier. He was dead before he hit the court.
Another client, also in good health, really wanted a Medigap but he could not afford the premium. He also had several docs and fitting him into a MAPD would have been a challenge, so he bought an HDF. Six months later his health changed, admitted to the hospital several times over the next few months . . . bills well over $100,000 but his HDF with a $45 premium kept his OOP under $2,000.
Over the next few years he has had multiple doc and hospital bills and it has been rough financially but he is glad he has the policy.
I know a number of folks who were very healthy until they were not. The only thing that really matters is this. Will the policy you have pay out or not.
Medicare and Medigap always pay, no hassles, no appeals. Rock solid.
One of the first people I wrote when I switched to Medigap was a guy in supposedly perfect health. Non-smoker, not overweight, played tennis 2x per week.
A few months after going on Medicare he had a massive heart attack . . . while playing tennis with his cardiologist . . . the same one who gave him a complete physical including stress test a week earlier. He was dead before he hit the court.
Another client, also in good health, really wanted a Medigap but he could not afford the premium. He also had several docs and fitting him into a MAPD would have been a challenge, so he bought an HDF. Six months later his health changed, admitted to the hospital several times over the next few months . . . bills well over $100,000 but his HDF with a $45 premium kept his OOP under $2,000.
Over the next few years he has had multiple doc and hospital bills and it has been rough financially but he is glad he has the policy.
I know a number of folks who were very healthy until they were not. The only thing that really matters is this. Will the policy you have pay out or not.
Medicare and Medigap always pay, no hassles, no appeals. Rock solid.
