One question that many Medicare subscribers seeking additional coverage ask is what are the best Medigap plans for 2017. What they need to realize is that each plan has drawbacks and advantages, and no plan can be called the best one.
That’s because the best plan for a particular Medicare subscriber is the one that best suits their coverage needs. Which plan that is will vary from person to person. Plan F may be the best plan for one person who has extensive medical needs and who has to go to the hospital multiple times throughout the year. But for someone else, that plan is going to be a costly waste of money because they only need a little bit of coverage.
Each person is different, which is why any of the ten Medigap plans could be the best one for someone. The only way to determine which plan is the best one for an individual is for them to look at what their medical needs are and see which plan covers them for those needs affordably. Keep in mind that not every medical expense will need to be covered by a supplement plan. Sometimes, it can save a person money to leave off some coverage and just go for a cheaper, lower-coverage plan as opposed to picking the pan that covers everything for them.
Plan G is a good example of this. It may not be one of the best Medigap plans for 2017 for everyone, but it is ideal for people who have a lot of medical care requirements. These are people who are very ill or who pay a lot out each month in medical bills. This high-coverage plan is great for taking care of a lot of medical expenses, but it isn’t the most expensive plan out there. It doesn’t even offer the most coverage. Still, it manages to take care of most medical expenses not covered by basic Medicare.
As an affordable, high-coverage plan, it works well for people who might be considering Plan F. With Plan G, they can receive nearly the same coverage and save money.
But each individual is going to need to look at the available plans for themselves. Just because one plan is ideal for a friend or family member, that does not mean the same plan will work well for them. A careful examination of what each plan offers and a comparison to medical and coverage needs will show which plan is best suited to an individual.
When trying to determine the best Medigap plans for 2017, Medicare subscribers should consider all options. They should also take their time and ensure they are choosing a plan that is future proofed. That means the plan will still provide them ample coverage a few years later, since it can be expenses to change plans. It is also best to compare rates between providers for plans. This way, the Medicare subscriber can save a lot of money and get the best deal on premiums while still enjoying the coverage they need.