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Post Info TOPIC: Medicare Supplemental Plans


RV-Dreams Family Member

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Posts: 208
Date:
Medicare Supplemental Plans


Here's a question for everyone that has turned 65 and is on Medicare for their medical insurance.  Which supplemental plan or plans are you using that allow you to be mobile and travel?  

I turned 65 a year ago and our financial advisor set me up with a Plan F because of our foreign travels.  My wife will turn 65 in April of 2018.  I'm interested in what plans others are using and the reasons behind their choices.

Because we live in Mexico for half the year we purchase all our prescriptions while in Mazatlan.  Therefore we don't use a Medicare for a Prescription Plan.

We are really looking forward to the financial savings that Medicare will bring when both of us are on Medicare.  



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Russ & Terri Ranger

5 months (Winters) in sunny Mazatlan, Mexico

6 months wandering in the USA in our Holiday Rambler Endeavor 40 PDT Motorhome

1 month visiting different countries (16 countries in the last two years) 

http://grandbanksruss.blogspot.com



RV-Dreams Family Member

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Posts: 962
Date:

Will you ALWAYS live in Mexico, even part of the year? Waiting to get Part D (prescription plan) will mean it will cost more in later years. If you never need anything but generics, then it might not matter, but if you require different prescriptions over the years, this could end up costing you a LOT. Problem is one never knows what might happen in the years to come.

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Barb & Dave O'Keeffe
2002 Alpine 36 MDDS (Figment II), 2004 Subaru Forester toad (Mischief)
Blog:  http://www.barbanddave.net/Site/Welcome.html
SPK# 90761 FMCA #F337834



RV-Dreams Family Member

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Posts: 5048
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The wife did some research on the various supplemental plans.  She is on plan F because of her previous health issues.  I am on plan N, which is similar, but initially was cheaper than plan F.  Both of those plans cover us if we are "out of state."  What I don't know is whether any of them will work if one is "out of country."

Since I am a veteran, we got our supplemental plans through USAA.  While doing her research, she had "heard" that they would eventually (2020 comes to mind) pretty much only offer a plan F.

Terry



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Terry and Jo

2010 Mobile Suites 38TKSB3
2008 Ford F450
2014 Ford Expedition 4X4 as Tag-along or Scout

Two minor works in progess....pictures taken over the years and a webblog:

Our photos on Smugmug

Ignoring the Barking Dogs  -  Terry's Blog



RV-Dreams Family Member

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Posts: 247
Date:

We have had Plan F High Deductible for three years. Cost is less than one third the cost of Plan F. Our deductible is $2200. We have yet to reach half of that. If and when we do it switches over to regular Plan F. Sorry don't know if it covers you outside the country. 



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Gene & Eileen

 



RV-Dreams Family Member

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Posts: 208
Date:

For me Plan F has better out of country coverage than anything that was available in the private market (ACA).  It was part of why I was thrilled to turn 65.  Now we look forward to my wifes 65th birthday in April 2018.  

The Plan F coverage has more limitations than the benefits in the states but is still great for emergencies.  We self fund our regular care because it is so reasonable (cheap) to get good medical care here in Mazatlan.  My cardiologist charges 700 pesos ($37.00US) for an appointment, he is the most expensive doctor we have.  I'm embarrassed to say how little we pay for a visit to our GP, $2.50.  



__________________

Russ & Terri Ranger

5 months (Winters) in sunny Mazatlan, Mexico

6 months wandering in the USA in our Holiday Rambler Endeavor 40 PDT Motorhome

1 month visiting different countries (16 countries in the last two years) 

http://grandbanksruss.blogspot.com



RV-Dreams Family Member

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Posts: 1536
Date:

That's it.... I'm moving to Mazatlanbiggrin

 



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Brian, Cindi & Josie (our fur baby)



RV-Dreams Family Member

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Posts: 164
Date:

Medicare Supplement plans F and G both cover foreign travel medical emergencies after a $250 deductible at 80% up to $250,000 lifetime maximum. All Med Supp plans cover you in all 50 states.

I usually recommend F over G because G is often a 30% premium savings with only one benefit difference--you have to pay the $183 annual Part B deductible. Plan F is going away in 2020 by the way. It is possible those who have F will see higher rate increases than other plans when that happens but I expect state ins departments will have some preventions in place to stop insurance companies from going too crazy. 



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Kyle, Lisa, and Kylee

Full-timers since 2011

RV-Dreams rallies: Myrtle Beach '09, Hershey '11, Sevierville 2014

RVer Insurance Exchange

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