General Discussion

Desert grandma

(1,078 posts)

13. Original Medicare and a Supplement is the best option IMO

Sun Dec 3, 2023, 04:11 PM

Dec 2023

When comparing supplement plans, note how they are rated. Each plan is rated in one of 3 ways...+
Age Attained is the most common. these plans will increase every year as you age and can increase due to the cost if medical inflation. Most plans will be rated this way.
Age Issuedplans are priced at the age you are when you took them out. They will only increase do to medical cost inflation.There is usually only 1 or at the most 2 plans rated this way.
Community rated plans charge the same to everyone in the community:, regardless of age.

Over time, Issue Age, if you take it out when you are first eligible will be the least expensive. Age Attained can end up being the most expensive of all. You are not told this when you first apply for Medicare. Also once you have enrolled in a supplement, if you ever decide to choose a different one, you can be subject to underwriting, so CHOOSE WISELY.
Good Luck!!

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I am shopping for a medicare supplemental plan [View all] chillfactor Dec 2023 OP

I stick with the Medicare supplement and have never had a problem. flying_wahini Dec 2023 #1

Which company do you use for the supplemental? Evolve Dammit Dec 2023 #22

Supplements must be the same within their category across the board yellowdogintexas Dec 2023 #2

Thank you!!!!!!!!!! chillfactor Dec 2023 #6

I too avoid all Medicare Advantage programs MiniMe Dec 2023 #3

You can switch back at huge costs IbogaProject Dec 2023 #18

It's not worth it to me. MiniMe Dec 2023 #20

You MAY be able to switch back - but in most states there is no guaranteed issue - Ms. Toad Dec 2023 #35

I was more covering the negatives IbogaProject Dec 2023 #38

The Medicare Advantage Trap: keithbvadu2 Dec 2023 #53

I was told I could switch once. I have an Advantage Plan and it has a max out-of-pocket of 3400. I do Evolve Dammit Dec 2023 #24

Check Humana. Haggard Celine Dec 2023 #29

I had Humana at one point. chillfactor Dec 2023 #32

I've had them for several years and I've Haggard Celine Dec 2023 #36

thanks Evolve Dammit Dec 2023 #46

In most states that is only true if you are within a year (sometimes less) Ms. Toad Dec 2023 #37

Dang, I've been on it for over a year Evolve Dammit Dec 2023 #45

My friend works for UHC and is "covered" by their employee plan dflprincess Dec 2023 #39

The brainwashing to make Americans believe single-payer (Medicare expansion) is a communist evil plot Evolve Dammit Dec 2023 #44

I'm very happy with my Kaiser Advantage plan. CrispyQ Dec 2023 #41

The whole "in-network" thing is what can change instantly. Aetna even has a disclaimer that (summarized) Evolve Dammit Dec 2023 #43

States should allow switching from MA to supplement without underwriting. dalton99a Dec 2023 #4

Good for you! I've been happy with Plan G through United of Omaha since it became available. ariadne0614 Dec 2023 #5

I'm also on plan G and never had a problem with any of my GoodRaisin Dec 2023 #7

Mutual of Omaha? Evolve Dammit Dec 2023 #25

Yes. U of O is a subsidiary of M of O. n/t ariadne0614 Dec 2023 #47

Thanks. I had not heard of that, but companies/ subsidiaries/contractors/ partners/sub-contractors..... Evolve Dammit Dec 2023 #48

I have a Blue Cross plan G supplement LetMyPeopleVote Dec 2023 #51

Plan G saved my Mom years ago. Through AARP, underwritten by Prudential. Now they use United Health Care?? Evolve Dammit Dec 2023 #59

My wife and I haved loved our supplemental plans for NewHendoLib Dec 2023 #8

WHEN will someone (anyone) do something about the Disadvantage plans? vapor2 Dec 2023 #9

Yeah, the 51% who choose MA are so stupid. Glad we have people telling them what Silent Type Dec 2023 #30

I'm worried by the time I retire there will mucifer Dec 2023 #10

My housemate is old enough to have a plan F MiniMe Dec 2023 #55

My Drs told me XanaDUer2 Dec 2023 #11

I agree, but the insurance lobby won't allow it MiniMe Dec 2023 #56

Be sure to sign up for a Medigap aka a Medicare Supplement program within the designated 6 month period progree Dec 2023 #12

I bet most people who sign up are not aware of the significance of that restriction. dalton99a Dec 2023 #14

Yes, unfortunately /nt progree Dec 2023 #15

I'm anxious about retirement Dave says Dec 2023 #16

My spouse stayed on my work plan until she was 69. Ms. Toad Dec 2023 #40

Thank you Dave says Dec 2023 #49

Yeah you're fine until her coverage stops. Voltaire2 Dec 2023 #58

Original Medicare and a Supplement is the best option IMO Desert grandma Dec 2023 #13

We've enjoyed TransAmerica Lulu KC Dec 2023 #17

Very happy with this plan. Had it for 5 years now. nature-lover Dec 2023 #19

We have TransAmerica as well. Desert grandma Dec 2023 #31

Husband has AARP UnitedHealthcare supplemental (called plan F I think). MLAA Dec 2023 #21

That is the plan that I have. It is no longer available except for those brer cat Dec 2023 #26

Thanks for the update, I guess it was too good to be true! MLAA Dec 2023 #42

Yes we have the AARP supplement Freddie Dec 2023 #54

How great to have a daughter with such experience in the healthcare world to help guide you. MLAA Dec 2023 #57

I retired 13 years ago, our union pushed us into a Medicare Advantage doc03 Dec 2023 #23

Let me just say: IT DOESN'T NEED TO BE THIS FUCKING CONFUSING AND DIFFICULT". Rant off. Evolve Dammit Dec 2023 #27

I was fortunate claudette Dec 2023 #28

Pay attention to their rate basis eallen Dec 2023 #33

Decide on your personal parameters chowmama Dec 2023 #34

Several of my law partners and I have schedule G supplements LetMyPeopleVote Dec 2023 #50

We have Blue Cross supplemental G and a part D - here is what we pay NewHendoLib Dec 2023 #52