Best Medicare plan B insurance

[GWoodle]

Originally Posted by VivienL

It's important to note that while G doesn't cover the $240 Medicare deductible, the $240 you pay out-of-pocket for it gets applied towards the $2800 G deductible, so you're actually not paying anything more than you would on the F plan.

As you get older the premium for Plan F gets higher. What you may save on premium should pay the $240 deductible. So you save some money with some skin in the game. Most important may be if you are old enough to be eligible for Plan F. For new patients don't have the choice.

If you go to Plan N may be 1/2 of the cost of Plan F. Ask your doctor who charges any "excess charges". May only apply if you have surgery or other special items.

[VivienL]

I was just addressing the difference between the high deductible plans f and g. On the surface, it appears as if g will cost $240 more out-of-pocket than f since g doesn't cover the medicare deductible, but in actuality, since that extra $240 cost gets applied towards the g deductible, thereby reducing the deductible from $2800 to $2560, it really costs no more than the f plan.

[Dire Wolf]

Originally Posted by galaxyhi

Part B is the supplemental or so called "medical" insurance.

You can have it directly deducted from your SS check.

Part A IS deducted from SS check..to be sure govt gets that premium! It covers only 80% of medicare authorized medical coverage.

Part B is the supplemental that covers the other 20% that Medicare doesn't cover on part A.

This is not right.

Original Medicare has Parts A and B. Both have a 20% Co-insurance.

Part A is Hospital coverage. You don’t pay a monthly premium for this. There is, however, a Part A deductible.

Part B covers Doctors, outpatient, home health, etc. This is optional, and you pay a premium each month for it. This is NOT what covers the 20% gap!

Both only cover 80%. If you want to cover the other 20%, you need to buy a private Medicare Supplement plan, often called Medigap. There’s different “Plans” available, such as F and G.

[mathjak107]

for new seniors , unless grandfathered in a F plan is gone .

but G is the same only you write the check for the initial yearly deductible

[CharlieAllnut]

Originally Posted by Dire Wolf

This is not right.

Original Medicare has Parts A and B. Both have a 20% Co-insurance.

Part A is Hospital coverage. You don’t pay a monthly premium for this. There is, however, a Part A deductible.

Part B covers Doctors, outpatient, home health, etc. This is optional, and you pay a premium each month for it. This is NOT what covers the 20% gap!

Both only cover 80%. If you want to cover the other 20%, you need to buy a private Medicare Supplement plan, often called Medigap. There’s different “Plans” available, such as F and G.

Part A has a $1,632 deductible when hospitalized. That’s it. The rest of the hospital bill is covered 100% by Medicare.

There is no 20% coinsurance with Part A, just with Part B.

[Ariadne22]

Re the Part A $1,632 deductible, for those who might not know, this deductible is NOT annual, but instead per benefit period for a particular illness.

A benefit period begins the day you're admitted as an inpatient in a hospital or SNF. The benefit period ends when you haven't gotten any inpatient hospital care (or up to 100 days of skilled care in a SNF) for 60 days in a row.

Benefit period

The way that Original Medicare measures your use of hospital and skilled nursing facility (SNF) services. A benefit period begins the day you're admitted as an inpatient in a hospital or SNF. The benefit period ends when you haven't gotten any inpatient hospital care (or up to 100 days of skilled care in a SNF) for 60 days in a row. If you go into a hospital or a SNF after one benefit period has ended, a new benefit period begins. You must pay the inpatient hospital deductible for each benefit period. There's no limit to the number of benefit periods.

https://www.medicare.gov/coverage/in...20in%20a%20row.

So, It is possible, if you're having a bad year, to have two or more separate hospital admissions in a calendar year and experience the deductible more than once.

Another good reason for a supplement, whether G, N, or HDG.
.
.

[dkf747]

This thread illustrates why it can be confusing. For the OP and. Anyone lose, learn this:

Part B and Plan B are not the same thing when it come to Medicare. Same thing with Part A and Plan A.

Once you understand that the words “Part” and “Plan” are not interchangeable in this context, then you might begin to understand. When people are talking about Plans F or G or any other plan. You can have Part B with a supplemental plan A for example. Th=at would be in addition to already having Part A which is not plan A.


This probably didn’t help, but I had to try.

[MG120]

Originally Posted by dkf747

This thread illustrates why it can be confusing. For the OP and. Anyone lose, learn this:

Part B and Plan B are not the same thing when it come to Medicare. Same thing with Part A and Plan A.

Once you understand that the words “Part” and “Plan” are not interchangeable in this context, then you might begin to understand. When people are talking about Plans F or G or any other plan. You can have Part B with a supplemental plan A for example. Th=at would be in addition to already having Part A which is not plan A.


This probably didn’t help, but I had to try.

Agree it's confusing, especially when none of this applies to the OP.

He/She stated they are on Tricare, so any supplemental, drug coverage, F, G, etc. are not applicable nor needed.

Unless they just want to pay for more coverage, which would be a waste of money.

As long as they pay for Part B, they have Tricare for Life which covers everything else.