Many agents out there will tout one Medicare supplement plan over the others, calling it the “best”. But to find out which plan is best for you, you will need to compare the 2017 Medicare supplement plans and see which one has the best coverage to fit your needs. There are several of them, and it can take time to sort through all their differing levels of coverage.
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But it will definitely be worth it when you do. You can find a plan that fits you perfectly, offering you the coverage you need at an affordable price. You probably want to focus on the higher-coverage plans, as they can save you the most money. Medicare Supplement Plan G will likely remain the most popular plan for 2017, and with good reason. Plan G offers fantastic coverage and your only out-of-pocket expense is the annual Part B deductible. Currently for 2016 the deductible amount is $166, and likely will change slightly up or down for 2017.
While the benefits of the 2017 Medicare Supplement plans aren’t changing, there very well could be changes in the deductible amounts of Medicare Part A and B. Also as in the past Medicare Part D prescription coverage will not be covered in Medicare Supplement plans in 2017.
Choosing a Plan in 2017
These are plans like F, G and N, which do cost the most money but also cover a host of very expensive services. They can cover deductibles, co-payments, nursing care, hospice coinsurance, pints of blood and more. How much they cover will depend on the plan you choose and not the rate you pay for that plan.
That is an important distinction to make, as many people falsely believe that there are different versions of the same plan being offered. The truth is that every Plan F is the same and every Plan G is the same regardless of which company is offering it. This is true because Medicare decides what kind of coverage a plan offers. Those companies that provide these plans do not get to choose coverage; they only get to set rates. That is something to keep in mind when choosing one of the 2017 Medicare supplement plans.
Medicare Supplement Plan G for 2017
While many agents are still telling people to go with Medigap Plan F (We have no idea why, but DON’T!) because it’s the “best” plan, smart consumers are looking to Medigap Plan G in 2017 for the best value. Not only do you pay less for Plan G than Plan F, but the coverage is nearly identical. The only difference is Plan F pays the annual Part B deductible for you (with YOUR money, the extra amount you give them in premiums each month). So in most cases, you’re giving the insurance carrier more money each year than the actual deductible amount, just for them to take your money and pay the deductible for you. It’s almost always a waste of money!
Use our quote engine above (YES, we actually give you rates unlike most sites out there!) to view the best rates for Medicare Supplement Plan G. Don’t be caught spending extra for Plan F just because an inexperienced agent told you it was the best plan. It’s NOT.
Get Rates in 2017 – Watch Those Rate Increases!
Whether you’re just turning 65 right now, or you already have a Medigap plan and you’re looking to save money, we can easily help. Remember every carrier charges different premiums for the exact same coverage. And they all have rate increases each year. Do you want to be checking the internet every year for rates when yours increases? Or do you want to sit back and enjoy life, allowing us to help and we’ll watch the rates for you? We make it easy.
You should be aware that the rates will change without much warning, and you will want to keep up with them as they do. Before you decide on an insurance provider, you want to know how much you will be paying for the plan of your choosing and how it compares to what other providers are offering for the same plan. The coverage on the plans doesn’t change as often- perhaps once every few years. That change in coverage will always be made obvious by Medicare well before it occurs. If you are a Medicare subscriber, you will know about these changes well in advance. That gives you plenty of time to change the plan you are looking into or change the plan you are on.
Compare Rates for Medicare Supplement Plans in 2017
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Always try to compare as many different rates as you can, as that way you can make sure you are getting the best deal. It’s fine to go with the lowest price available. You might have to sacrifice some customer service amenities for that lower rate, but you won’t be losing any coverage.
Compare Plans to Save
You should also compare rates and plans while you are subscribed to a supplemental plan. Your medical needs and coverage needs can change with time, and you want to make sure that you are using a plan that fits you well and gives you what you need. Your budget may change as well, and it’s a good idea to keep checking back for the details of the 2017 Medicare supplement plans to get a good idea which one will fit your budget best.