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Lonestarblue

(11,937 posts)
6. Is it possible to find a less expensive Medigap plan?
Wed Dec 11, 2024, 10:16 AM
Wednesday

This site lets you compare plans based on where you live.

https://rates.medicarecompared.com/ms/?customer_id=303-229-9197&utm_campaign=e-search_b-mc_l-tier%202_p-ms_d-uk_t-none_bs-tcpa_h-bh&utm_source=bing&utm_medium=search&utm_content=&utm_term=medigap&adgroupid=pd-medigap_mt-e%3Ap&extensionid=&location=102990&adposition=&device=c&matchtype=p&campaignID=638619216&adid=&querystring=cheapest%20medigap%20plans&network=o&adgroup_ID=1250146056034727&msclkid=6e2544c4bd521b97ec84239d1719fb83

The worry I have with Advantage is that they can drop your in-network doctors and force you to change to doctors in their network anytime the want to. Some insurers, like United Healthcare, also have very high rates of denying medical treatment. They can also just choose to cease providing any coverage for your area, which has been happening more in rural and low population areas.

With original Medicare, you’re guaranteed medical care. So you might consider your health and decide whether you even need a Medigap policy if the copays would be less than the premium. There’s a big risk, though, because if you get seriously ill, you might be on the hook for thousands of dollars.

Here’s an article on help for seniors in affording supplemental insurance.

https://www.seniorcorps.org/medicare/what-if-i-cant-afford-premiums-on-medicare-supplemental-insurance/




Recommendations

7 members have recommended this reply (displayed in chronological order):

I can't afford Medigap plan [View all] samplegirl Wednesday OP
You should be able to get Medicaid assistance also nini Wednesday #1
Go talk to an insurance navigator Diamond_Dog Wednesday #2
I did that and really samplegirl Wednesday #4
Find a different navigator. That's the only way to be not confused. LakeArenal Wednesday #7
Good luck to you, and please talk to Ilsa Wednesday #3
I have been on an advantage plan for 15 years, since I turned 65. enough Wednesday #5
Yeah, I think most denial criticism is overplayed. Even Original Medicare denies claims, asks for additional info, and Silent Type Wednesday #13
Is it possible to find a less expensive Medigap plan? Lonestarblue Wednesday #6
If you can get a Presbyterian advantage plan, mine has been good. Clouds Passing Wednesday #8
Income of only $12000 a year edhopper Wednesday #9
But my husbands income samplegirl Wednesday #12
Check with your county social services agency. Jacson6 Wednesday #10
I recently priced medical insurance for myself EYESORE 9001 Wednesday #11
There Is A Bunch RobinA Wednesday #14
Until your medical procedure or treatment is deemed too expensive, that is EYESORE 9001 Wednesday #15
You Are Sorely Mistaken RobinA Wednesday #19
I'm so poor, I automatically got enrolled in Medicaid, and I got an advantage plan that has no copay. mucholderthandirt Wednesday #16
FYI lynnyl Wednesday #17
Thanks samplegirl Wednesday #18
I can't afford Medigap but I have friends leftyladyfrommo Wednesday #20
Depending on health and state, advantage JCMach1 Wednesday #21
As some others have said, seek out a reputable Medicare broker in your area. W_HAMILTON Wednesday #22
government plans Kali999 Yesterday #23
Latest Discussions»General Discussion»I can't afford Medigap pl...»Reply #6