Plus, Plan F will not be offered after 2019. Those in Plan F will be able to continue the plan for the rest of their lives, but because there will be no new enrollees after 2019, the population of that plan will be older and sicker as the years go by. That probably will result in higher premium increases for that plan. Plan G is identical to F, except that you have to pay the small deductible. In our county, the difference in premium between regular F and G is (amazingly!) the exact cost of the deductible. Advantage goes to G, therefore, because the plan will continue after 2019.
“changing between Medigap programs triggers medical rating, so choosing the correct Medigap program is important at the beginning.”
That’s true. It happened to us. Our first supplemental was through AFLAC, but they stopped writing in TN. Going to another company required extensive investigation in to our health history and it was goin to be a problem. I had had cancer a few years earlier. Our AMAC agent did research and found that Mutual Of Omaha had no problem covering me.
It’s true what you said: “choosing the correct Medigap program is important at the beginning.”