Switching from Medicare Advantage to original Medicare plus Medigap and PDP.

[Garya505]

BTW I'm assuming most agents are going to tell me Plan G is better for me than Plan G-HD because the commission is higher.

 

[Garya505]

Ask your agent. I am talking about across the board increases not the attained age increases.

It would appear that everything sold in NM is attained age pricing.

 

[Garya505]

I feel like I've wandered into a swamp. Not due to the agents on this board of course, but the internet Medigap sales swamp. You know, all the ones that offer "free quotes", take your info, don't give any info but they call you.

 

[Garya505]

That who i write. HDG plan premiums are very very stable regardless of who u pick

For G-HD it sounds like I should just take the lowest price then.

 

[frank04]

Nobody will help you with hdg at this time of year. Make more money flipping burgers. Go big or go home.. Sorry to be frank

 

[straightnochaser]

Nobody will help you with hdg at this time of year. Make more money flipping burgers. Go big or go home.. Sorry to be frank

Never be sorry for being yourself.

And you're 100% correct, a GI HD-G is a self-enroll all year long, not just during AEP

 

[Fisher]

I'm sure you are about to get bombarded by direct messages on this forum

Man, I would hope not!

 

[goillini52]

I received a notification from my Medicare Advantage provider that they are not offering the plan anymore, making me eligible for guaranteed issue on a Medigap plan. So, I'm going to switch. I am currently thinking of getting Plan G-HD. I've read bunch of stuff on Medicare.gov and watched a bunch of Youtube videos, but I'm still not sure how to select the best provider, other than selecting the one with the lowest price. Any suggestions, hints, or tips would be appreciated.

What's your age?

 

[just-a-client]

It would appear that everything sold in NM is attained age pricing.

From what I see at medicare.gov, that's true for G-HD. For Plan G (and other plans), AARP/UHC sells Community rated plans (which is presumably going to feature their usual declining discount from age 65 to 75), and Transamerica sells Issue Age plans. (That's the TA "direct to consumer" - they discontinued their agent-sold plans a number of years ago.) All the others are Attained age. It's the same in California - AARP and TA do their own thing, while everyone else is Attained age.

You also wrote:

"I've also had problems with prescription approvals. I figure it's only going to get worse."

Prior authorization will probably be just as tough in a standalone Part D plan.

At medicare.gov, as you probably know, build your drug list. It will list out the plans in total cost order (premium + cost-sharing). But then you have to go into the plan details to see which drugs require prior authorization. You can also download the 2025 formulary PDFs to double-check that. It might be worth paying a little more for a plan where it looks like you'd have less hassle.

(P.S. I am not an agent.)

 

[Yagents]

From what I see at medicare.gov, that's true for G-HD. For Plan G (and other plans), AARP/UHC sells Community rated plans (which is presumably going to feature their usual declining discount from age 65 to 75), and Transamerica sells Issue Age plans. (That's the TA "direct to consumer" - they discontinued their agent-sold plans a number of years ago.) All the others are Attained age. It's the same in California - AARP and TA do their own thing, while everyone else is Attained age.

You also wrote:

"I've also had problems with prescription approvals. I figure it's only going to get worse."

Prior authorization will probably be just as tough in a standalone Part D plan.

At medicare.gov, as you probably know, build your drug list. It will list out the plans in total cost order (premium + cost-sharing). But then you have to go into the plan details to see which drugs require prior authorization. You can also download the 2025 formulary PDFs to double-check that. It might be worth paying a little more for a plan where it looks like you'd have less hassle.

(P.S. I am not an agent.)

In a competition of NON agent posts, you beat Lost Dollar