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If you are researching Medicare and looking for a video that will help you understand the Medicare supplement plans G-high deductible and Plan F-High deductible, this video is for you. In this video I will Show an easy way to understand exactly what the high deductible Medicare supplement plans cover and how they work. At the same time, I have already seen other videos and heard other agents mis-characterize Medicare Supplement Plan G High Deductible. Which is a nice way to say they described its benefits incorrectly. I will clarify that confusion for you in this video. Then, in this video we will Review the Pros and Cons or strengths and weaknesses of a high deductible plan that may be different than other Medicare supplement plans Finally, We will look at when you should consider a high deductible plan instead of another Medicare supplement and how to tell if you are in a part of the country where High Deductible Medicare supplement plans are worth considering. There are some parts of the US where a Medicare supplement High Deductible Plan is a no-brained. There are other parts of the country where it is such a poor value relative to other Medicare supplement plans that it simply doesn’t make sense to seriously consider the high deductible option. I have a rule of thumb which I apply and teach my agents to use when quoting a high deductible plan to determine when it makes sense financially. I am going to share that rule of thumb with you in this video. There are two Medicare supplement high deductible plans. There is a Medicare supplement Plan F high deductible and a Medicare supplement Plan G high deductible. If you were eligible for Medicare, even if you didn’t enroll, if you were eligible for Medicare prior to January 01, 2020 you can choose either the Plan F high deductible of the Plan G high deductible. If you were not eligible for Medicare until January 01, 2020 or later, your only high deductible choice is the Plan G high deductible. Despite a common misconception, they both have the exact same benefits and should be the exact same price, or within pennies. I will go over that in detail in just a moment. First, with the high deductible plans, like all Medicare supplement plans, you get to keep the benefits of Original Medicare. You can see any doctor, go to any medical facility in the country as long as they accept your Original Medicare. Second, no insurance company has a say in what is covered. Medicare is your primary insurance coverage. The intent of Medicare is to cover everything that is medically necessary, and they rely on your doctor’s opinion and diagnosis to determine medical necessity. Simple enough
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