Is Medicare supplement plan F the best plan for me? Who has the best rates in Georgia for Medicare supplement plan F? How do I know which Medigap plan is the best? Is Medigap plan F better than a Medicare Advantage plan? Who has the best rated GA Medicare supplement plan?
All great questions that deserve great answers.
Is Medicare supplement plan F best for me?
Only you can answer that question. The best Medigap plan for you is one that fits your needs and budget. About 60% of Georgia seniors who own a Medicare supplement plan choose plan F. But is plan F right for you?
Medicare supplement plan F pays 100% of approved Medicare Part A and Part B charges. When you own Medigap plan F you never have to worry about unpaid approved Medicare regular or excess charges.
Anything approved by Medicare but not paid (due to deductibles and coinsurance) is covered at 100% by your Medicare supplement plan F.
Who has the best rates in Georgia for Medigap plan F?
The answer varies according to your age, zip code and tobacco use.
The good thing to know is, all Medicare supplement plan F’s are identical in every way except price. Medigap costs can range widely from carrier to carrier.
Since all plans are identical why would you ever pay more than you need to?
A female, non-tobacco user, age 67 in Macon GA could pay anywhere from $125 to $184 per month for Medigap plan F. The $184 plan is not better than the $125 plan.
In between the highs and lows you will find well known carriers such as Blue Cross ($170), Mutual of Omaha / United of Omaha ($164) and United AARP ($172).
Shop and compare your rate with top rated best Medicare supplement plans in Georgia with a FREE instant Medigap quote. Click now to save.
When you pay more you don’t get more, you simply paid too much.
Is Medicare supplement plan F better than Medicare Advantage?
Again, you will need to decide.
If you like the security and stability of original Medicare, knowing that you can use any doctor or hospital anywhere in the US, then Medicare supplement plan F may be right for you.
Recently Universal Health Care went into bankruptcy and everyone who had a Medicare Advantage plan lost their coverage and were automatically enrolled in original Medicare. Some decided to look for a new Medicare Advantage plan but why run the risk of disruption again?
The good news is, if you have a Medicare Advantage plan and they go out of business, original Medicare will always take you back and you can choose any Medigap plan you wish, including plan F, and your new Medigap carrier cannot refuse to issue a policy or deny coverage for any pre-existing conditions.
Medicare Advantage plans have a lot of moving parts. Often you don’t know how much you will have to pay for treatment until you get the bill. And what happens if you receive treatment from a non-network doctor, lab or hospital?
You pay even more!
With original Medicare and Medicare supplement plan F there are no networks, no moving parts, and in most cases no out of pocket expenses.
Is Medicare supplement plan F the best plan for you? What do you think?