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

[goillini52]

Now that I've thought a bit more, that is kind of my inclination too. I'd like to hold HDF for another 3-4 years, but I can't decide what sort of risk of being unable to change later that places me in.

I suppose I could put a pencil to a floor. Going forward I'm going to have a minimum of 6 office visits per year plus a few tests and / or treatments.

The challenge becomes guessing how many years will hit Maximum deductible.

You could always do like Louis and I did. Take a MAPD, and use Trial Rite to get the cheapest Med Supp, although you'd probably have to go back to a HDF because of your age.

 

[LostDollar]

You could always do like Louis and I did. Take a MAPD, and use Trial Rite to get the cheapest Med Supp, although you'd probably have to go back to a HDF because of your age.

Thanks for the comment. Not wanting to do that at the moment but I will keep that in mind as an option.

 

[Chazm]

I've never once seen someone quote annual premiums. I always wondered why and now I know. Lost dollar

 

[DonP]

You could always do like Louis and I did. Take a MAPD, and use Trial Rite to get the cheapest Med Supp, although you'd probably have to go back to a HDF because of your age.

Why couldn't someone with a high price med sup just switch to a mapd . Notify Medicare as your moving to your son's house or a friends house out of area . Your mapd is now out of area and you get a Gi back into any med sup?

 

[goillini52]

Why couldn't someone with a high price med sup just switch to a mapd . Notify Medicare as your moving to your son's house or a friends house out of area . Your mapd is now out of area and you get a Gi back into any med sup?

Wouldn't that be fraud?

 

[just-a-client]

(All the comments assume I would pass underwriting for a change.)

When I look at the chart of Medigap plans, I prefer M over N. I would get out of the copay business and risk having to meet 50% of the part A deductible.

Problem is the premiums for Plan M were very very high, presumably because not many are sold.

However, currently Kansas shows a New Era plan M for $1788. (That would be against my current BFLIC premium of $660 per year.) The graph at Ks Dept of Ins shows they have been here with that plan 2022 to date. I don't know if they would/will hold that premium.

I think I have some plan G options at $2600 to 2800+. Definitely options at $2900 to $3000.

For what it's worth, not a single company offers Plan M in my zip code in California. (Per DOI list of rates, and Medicare plan finder.) I suppose it's possible some companies offer M in other zip codes in the state, that's far too difficult for me to figure out in my own, but I would guess they don't do that. The block(s) of business might be tiny. On the other hand, most of the plans probably pay little in claims. Unhealthy people wouldn't be attracted to M. But a few people that develop very expensive illlnesses could have a major impact on a small pool.

That reminds me to ask, when a firm offers the same plan in many states or nationwide, is everyone in the same block of business? Or are the blocks only statewide? I ask because I suspect the plan I use has a small presence in California which makes it risky to own, though I have the birthday rule here if prices soar.