DON'T FALL FOR THE SCAM: Listen to this before getting Medigap for your Standard Medicare.

[egbertowillies]

Medigap is the supplemental insurance that covers the 20% that Medicare does not cover. Private for-profit insurance is starting to scam seniors similarly to how they scammed Medicare Advantage recipients.

https://egbertowillies.com/2023/03/05/dont-fall-for-the-scam-listen-to-this-before-getting-medigap-for-your-standard-medicare/

[Deuxcents]

1. Thanks for this.

I’ll be losing my employer backed health care in 2024 n they will only offer United Advantage. For the first time in my adult life, I’ll need to get fully educated as I refuse Advantage.

[SheltieLover]

2. Call your local Council on Aging. They will give you prices for gap ins down to the penny, by

Provider.

Prices vary widely & each Plan level of gap insurance is required to offer identical coverage.

I chose the highest level of gap ins offered, even includes deductible.

Some providers were charging nearly $300/mo for this!

Farm Bureau ins came in at $115/month.

And my policy for gap is NOT a scam!

Avoid Advantage plans! Providers must be "in network" & many hospitals do not accept Advantage plans.

And if you have Advantage & want to switch to normal Medicare, you might be required to pass a physical!

[Pluvious]

5. Great feedback, thanks for sharing nt.

[SheltieLover]

10. Yw!

I hope you & oths find it helpful! Local senior center is a well of info too (for me).

[jmbar2]

9. Thanks for sharing

I'm in the same boat - great timing. It's on my to-do list for Monday.

[SheltieLover]

12. Glad you find it of interest.

My senior center is also a wealth of info too!

Good luck!

[Deuxcents]

14. Ty. On my list of things to do

[NoRethugFriends]

16. Kind of simple. Just get cheapest Medigap F/G

[MichMan]

3. Let me get this right; Medigap is a scam & Medicare Advantage is a scam ?

Thart means the only non scam option is standard Medicare that pays 80% leaving the recipient to cover the remaining 20% deductible.

Hope no one needs any expensive care then, as they will need to pay thousands and tens of thousands of dollars out of pocket.

[Lettuce Be]

11. I understand fear of privatized insurance, but yes, I absolutely need the additional 20% coverage

I flat-out refuse to give my estate to the medical establishment so yes, I have a private supplement. Medicare also has upper limits, my supplement does not. For now, I'm sticking with the supplement. I also do not travel, so that's not a consideration for me.

[SheltieLover]

13. My gap policy is not a scam & it's only $132/mo.

Covers everything Medicare doesn't pay, including my annual deductible.

[NoRethugFriends]

4. Rather unclear video

You just shop for the cheapest Medigap Plan F/G for yourself, and buy it. Pretty simple.

[cilla4progress]

8. Yes -

and I did it with assistance from a free RSVP program (national) volunteer.

Glad we had gap coverage along with Medicare. Recent post-age 65 injuries would have devastated our funds without it!

[whfinlay]

6. Medicare Advantage is the scam.

MBA's will be deciding what care you get, doctors can pull out of the network anytime, but you will have to wait for the 10/15 to 12/7 open enrollment period. Medigap coverage with no health question happens when you first enroll in Medicare. Medigap also known as Supplemental Medicare insurance was standardized in 2011 and all coverage is the same all across the country. Plan G is a Plan G, Plan N is a Plan N no matter the carrier. I am a Medicare sales agent and have a MBA degree.

[MagaSmash]

7. Rethuglicans have always been Bottom Feeders; preying on the Sick and Weak for Profit.

Like Rick Scott; one of the Worst.

[in2herbs]

15. Since the insurance corporations are scamming Medigap and MA, choosing one over the other

will not affect their bottom line. The care the dr. provides is the same. When sitting in the doctor's office waiting for your appointment I can bet that the patients are a mixed bag of Medigap and MA insurance holders.

This situation has been obvious for years and Congress has ignored it and/or only paid lip service.

Why bother to elect Ds to Congress when they don't flex enough muscle when they have the power to reign in this scam and others?

It will take prosecuting and jailing corporate executives for this theft before any change will occur. But that is unlikely to happen.

The insurance companies are shifting to scamming those with Medigap policies because of the exposure of their scams with MA.

When Medigap premiums are too expensive what alternative will there be for coverage but MA?

Congress needs to fix the rules before corporations will change their behavior.

[The Jungle 1]

17. I just got a bill from a provider from 2021.

I called and they explained that I owed what Medicare did not pay. I said you have my secondary insurance, you have billed them in the past. Then I get double talk. They are just trying to double dip. Another scam.