Plan G Deductible/plan Change Mid Year from F

[yorkriver1]

Confirming the deductible on Plan G is not a supplement deductible, but rather the plan responding to Medicare's deductible and co-insurance. In other words, the plan responds to the Medicare billing, if the client changed from Plan F to G, say, in April, and the $166 Medicare deductible was met while the client was still on Plan F, then since the Medicare deductible was already met for the year, Plan G will start paying the balance of Medicare bills same as if the deductible had been met for the year if Plan G had been in place since January 1.

It takes me a while, but I get there.

 

[thomasm]

Yes if they met the deductible for the year then, they're done for the year! Even if they switch to plan G the same year.

It's wasn't that long ago that somebody asked me that and I didn't know. A support ticket to Mr. Westfall saved the day!

 

[somarco]

Medicare keeps track of the deductible. Not the Medigap carrier.

When the claim arrives at the Medigap carrier Medicare lets them know if the deductible has been satisfied or not.

 

[jacobtn]

In theory one could have plan F in January, incur part B expense that triggers the part B deductible being paid and then switch to plan G in February and not have to pay any deductible that year.

 

[WCMason]

In theory one could have plan F in January, incur part B expense that triggers the part B deductible being paid and then switch to plan G in February and not have to pay any deductible that year.

In theory and in practice. The added bonus when taking someone out of F into G. Big premium savings starting now for the cost of one small deductible...starting next year.

 

[aheff]

Yes if they met the deductible for the year then, they're done for the year! Even if they switch to plan G the same year.

It's wasn't that long ago that somebody asked me that and I didn't know. A support ticket to Mr. Westfall saved the day!

Perhaps one of the many reasons AARP/UHC doesn't offer a Plan G (yet)? They would get 1000's of members gaming the system to save over $100/year.

 

[yorkriver1]

Perhaps one of the many reasons AARP/UHC doesn't offer a Plan G (yet)? They would get 1000's of members gaming the system to save over $100/year.

Of course it is! Hadn't thought of that. Then, too, reading their agent guide, they can refuse to switch plans with no app if they want to. But that would be a neg for them.

 

[yogooglethis]

Perhaps one of the many reasons AARP/UHC doesn't offer a Plan G (yet)? They would get 1000's of members gaming the system to save over $100/year.

I have many AARP/UHC plan F and N clients in Fl. and I have not seen any switching to game the part B deductible.The fact that they don't offer G doesn't really matter in Fl because their F is cheaper than the competition's G

 

[JaBrooklyn]

Sorry if this is a stupid question, I am relatively new to supps. How would you hit the deductible the first month in an plan F? (I am in NY)

 

[Justin Bilyj]

Sorry if this is a stupid question, I am relatively new to supps. How would you hit the deductible the first month in an plan F? (I am in NY)

A lab test or two could do it...