as the calendar hits a new year, will need to pick a medigap plan. Will still be going with hi-deductible Plan-G.
Is it still the case that this is strictly a price decision, that all of the plans in a category provide the same coverage, and the difference is the monthly premium, and the hi-deductible ?
That is exactly what the medicare website states, just doublechecking that there is no caveat emptor that I’m missing.
Price and how they handle service.
As I have recently learned with my 20+ yr State Farm policy, lousy service when it comes to claims can be more important than price.
“Price and how they handle service.”
Yup, they are almost all rated 3.5 stars on the medicare site,
so I’m thinking they’re all about equal with service.
Other than a physical, don’t think I used any health care,
I just gladly pay the monthly Part-B and D, and hope for the same outcome during the next annual cycle.
What is your Medigap insurer doing that is causing lousy service?
CMS (i.e. “Medicare”) makes all the benefit decisions and does all the accounting. Your Medigap insurer just collects the premium and pays what Medicare CMS tells them to pay.
When I called the Washington State Insurance Commissioners office 4 years ago to get data on consumer complaints to inform my choice of insurer, the data analyst told me that about the only time they get a complaint on a Medigap insurer is when someone cancels a policy and the insurer is slow in stopping the monthly debit from your checking account for the premium payment. Thus, the analyst told me, you can safely choose the insurer with the lowest premium – they’re all offering the same coverage and benefits for the standard policies being offered.
intercst