South Lake Tahoe Medicare Supplement Plans

Most South Lake Tahoe Medicare members when looking for a new Medicare Supplement plan or company, will typically choose a Medicare Supplement Plan G, F or N.

You cannot find a more comprehensive benefit plan or one with better access to physicians and hospitals.  A Medicare Supplement Plan F has it all.  Literally 100% coverage for all medicare approved services for inpatient and outpatient care.

Medicare Supplement Information

Medicare Supplement Changes 2022:

The Medicare Access and CHIP Reauthorization Act of 2015 (MACRA) was passed March 26, 2015, as a means to help reduce the cost of Medicare by reducing first dollar coverage provided by supplemental insurance plans.

The Act prohibits individuals who become eligible for Medicare on January 1, 2020, or after, from purchasing a Medicare Supplement policy that covers the Part B Deductible (Plans C & F)

Members who currently have Plan C or Plan F will be “Grandfathered” or excluded from the MACRA provision. In addition, individuals eligible for Medicare on or before December 31, 2019, will be eligible to purchase a Plan C or Plan F, subject to carrier guidelines, and will be “Grandfathered.” 

Quick Links …

Medicare Supplement Plans D, F & G …  Medicare Supplement Plan F, is by far the most popular plan nationally.  Although there are many other very popular plans as well.  Medicare Supplement Plan G for example, is identical to Plan F, except with Plan G you are responsible for the Medicare Part B annual deductible of $233.

So if the annual premium savings between the two plans is more than the  $233 deductible, a Plan G may make perfect sense on a purely cost savings angle.  Remember the only difference is with Plan G you must pay the $233 Part B annual deductible, other than that the plans are identical.

Another plan to compare is Plan D.  D provides the same benefits as F, except Plan D does not cover the Medicare Part B annual deductible of $233, just like plan G.  Also you will be responsible for any Excess Charges, from a doctor who does not accept the Medicare Assignment.  They can charge you an additional 15%, actually it is more like 10% once the discounted fee is adjusted be Medicare.

If you are the type of person who does not want to pay a dime when they go to the doctor or hospital, then the Plan F is for you.  If you don’t mind a little “out-of-pocket” expenses occasionally, with a lower monthly premium, then you should look into both Plans D and G.

John Conner

John Conner

Medicare Plan Options ... Medicare Supplement, Medicare Advantage, Medicare Part D Rx