Moving from F-HD to full F

One other thing, is there medical underwriting if I want to move from F-HD to full F or say G or N? I assume this type chang can only be done annually during open enrollment. Would it be the same across all providers?
 

MBSC

Well-Known Member
There is no annual open enrollment for Medigap plans. You can switch anytime as long as you can pass medical underwriting. In Florida, underwriting applies to any voluntary Medigap change, whether within the same company or across different companies.

Open enrollment only applies to Medicare advantage and Part D plans.

You don't want to move to full F. It is closed to those who become Medicare eligible in 2020 or later. Some believe this will cause premiums to increase over time as the enrollment pool becomes older and sicker. Also, Plan G premiums are lower than full F even after accounting for the Part B deductible not paid by G. Plan N is also a good option but I'd stay with F-HD if you are happy.
 
Thanks for the excellent info and advice. Hard to predict what will happen with F pricing but I would think it would be a gradual process give the very large amount of enrollees.
 

manganotj

New Member
I have a high-deductible Medigap Plan F that I began in 2015 and I have been pleased with it. It seems to me that in previous years the plan paid the Medicare deductible but in 2020 it did not. Is my memory of it paying the deductible in the past correct? If so, did that benefit go away for people like myself who purchased HD-F plans prior 2020?
 

MBSC

Well-Known Member
I have a high-deductible Medigap Plan F that I began in 2015 and I have been pleased with it. It seems to me that in previous years the plan paid the Medicare deductible but in 2020 it did not. Is my memory of it paying the deductible in the past correct? If so, did that benefit go away for people like myself who purchased HD-F plans prior 2020?
Medigap Plan HD-F has never paid the Part B deductible but it counts toward the $2340 (2020) plan deductible. If a person meets the $2340 with Part B cost sharing and is then admitted to the hospital, the HD-F pays the Part A deductible. The new Medigap plan HD-G works the same way.
 

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