Hi,
I just turned 65, live in NY and I'm in pretty good health at the moment. I signed up for Original Medicare and I'm researching Medigap plans. It looks like Plan F is the most popular, probably since it covers everything with limited cost. Since I don't have many doctor or hospital visits high deductible Plan F seems like an even better choice for me. It potentially has the lowest premiums of all the plans (if I don't need much medical care for the year) and has the benefit of limited maximum costs if I do need a lot of care. The cost in that case would then be about the same in NY (i.e. approx $3,000 in premiums for Plan F and the same for premiums + deductible for the high deductible version).
High deductible ssems like a no-brainer for someone in good health. Am I missing something?
Thanks in advance,
Stan
I just turned 65, live in NY and I'm in pretty good health at the moment. I signed up for Original Medicare and I'm researching Medigap plans. It looks like Plan F is the most popular, probably since it covers everything with limited cost. Since I don't have many doctor or hospital visits high deductible Plan F seems like an even better choice for me. It potentially has the lowest premiums of all the plans (if I don't need much medical care for the year) and has the benefit of limited maximum costs if I do need a lot of care. The cost in that case would then be about the same in NY (i.e. approx $3,000 in premiums for Plan F and the same for premiums + deductible for the high deductible version).
High deductible ssems like a no-brainer for someone in good health. Am I missing something?
Thanks in advance,
Stan