Medicare Supplemental Plans - RV-Dreams Community Forum

Russ Ranger · RV-Dreams Family Member

Medicare Supplemental Plans

Barbaraok · RV-Dreams Family Member

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.

Terry and Jo · RV-Dreams Family Member

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

TheNewhalls · RV-Dreams Family Member

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.

Russ Ranger · RV-Dreams Family Member

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.

BiggarView · RV-Dreams Family Member

That's it.... I'm moving to Mazatlan biggrin

The Hensons · RV-Dreams Family Member

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.