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  1. Hello Joann,
    When I was first eligible to enroll in a Medigap Plan, I considered Plan G but the Insurance Carrier did not offer Plan G. I then considered Plan N but was discouraged from doing so by the agent who stated that the excess charges would likely exceed any premium savings. I was also told that I could switch from Plan F to Plan N at any time but not from Plan N to Plan F without answering a series of possibly disqualifying questions. I bought Plan F for the piece of mind but now feel that the agent may have been less than truthful.
    Should I be able to switch freely between the two plans and possible reduce my costs? Thanks

    1. Hi Vincent, Most companies will want to medically underwrite you to replace Plan F to Plan N –or– Plan N to Plan F. It really depends on the guidelines set by the insurance company. Very few will allow you to move freely between plans.

  2. I will be 65 in January 2018. I applied for disability but have not been approved yet.
    If approved will I be responsible for paying my supplemental premiums and being charged for Part B based on my previous 2 year income?

      1. Joann,

        Understanding that my Part B premium will be in relation to my adjusted gross income (on my tax return) from 2 years ago, will this be re-adjusted each year going forward?

        I ask since I will be 65 on November 1, 2018. I will be retiring as of 1/1/2019 therefore, my adjusted gross income (on my tax return) my adjusted gross income (on my tax return) from 2 years will be much higher than it will be going forward in retirement.


      2. Thank you for reaching out with your question. The Part B premium is adjusted each year based on your adjusted gross income (on your tax return) from 2 years prior. Social Security sends you a letter at the end of the year with your new Part B premium payment amount for the upcoming year.

  3. My husband is turning 65 in November. …but is planning on working till 66 or longer….he has insurance. ..what do we actually have to sigh up for….I am only 62 and on his insurance.

    1. Hi Kathy,

      Thanks for visiting our website.

      If your husband is still working and keeping group employer health coverage, he doesn’t need to sign up for Medicare Part B. Most people, though, will sign up for Medicare Part A even when they have group employer health coverage. Part A is “premium free”…because you already paid for it by working and paying taxes. It’s always a good idea to check with the employer’s Benefit Administrator to see how Medicare works with their plan.

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