How Much Does Medicare Supplement Plan F Cost in Georgia?

Is Medicare supplement plan F expensive in Georgia? How much should I expect to pay? Who has the lowest premiums? Is Blue Cross a good Medigap company or is Mutual of Omaha better?

 

Is Medicare supplement plan F expensive in Georgia?

Expensive is a relative term. The real question you should be asking is, do you need all that Medigap plan F has to offer and does it fit your budget?

Plan F is the most comprehensive of all plans in Georgia.  medicare supplement plan f

It is also the most expensive.

Perhaps this is why most agents, especially the ones that insist on coming to your home, only talk about plan F. The more expensive the plan is, the more money the agent makes.

There is nothing wrong with that. The agent has bills to pay. But personally I see no reason why an agent should expect to pay all their bills by selling you the most expensive plan in his briefcase without ever telling you about plans that deliver better value.

What do you think?

 

How much should you expect to pay for Medicare supplement plan F in Georgia.

Well, it depends.

Medigap rates are generally based on your age, zip code and the plan you pick. In most cases there are different rates for males vs. females, tobacco use. Some carriers also adjust rates based on your weight and insulin usage.

A female age 65, non-tobacco user living in Macon, GA could find rates for Medicare supplement plan F starting at $127 per month or as high as $250 per month. If she bought a plan from AARP she would pay $166 per month, or $176 from Blue Cross.

What does she get for an extra $39 per month from AARP or additional $49 from Blue Cross?

Nothing.

Medicare supplement plan F benefits are designed by Medicare. Every plan is exactly identical in every way. When you pay more you don’t get more, you simply paid too much.

Who needs that extra $500 Р$600 per year more? You,  AARP or Blue Cross?

Are you paying too much? Most of our clients pocket an extra $450 per year or more in savings.

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Is Blue Cross Medicare supplement plan F better than Mutual of Omaha or AARP?

Better? No.

More expensive? Yes.

All Medicare plans are the same. You don’t have to believe me, check it out for yourself in the Choosing a Medigap Plan book from Medicare.

Is there any reason to pay more?

Not that I can think of.

 

Why should I buy a Medigap plan from an insurance agent rather than direct from the carrier?

Good question.

When you buy direct from a carrier (or an agent that only offers one carrier) you get . . .

  • Information on that lone carrier and nothing else
  • If you call the 800 number you “Press 1 for English” followed by get voice mail
  • Calling the carrier direct means you talk with a different person every time
  • Buying direct from the carrier gives you the same rates and plans you could have from an independent agent
  • Carriers generally only call you back when it is convenient for them
  • Carriers don’t answer your email questions
  • Carriers don’t provide a spread sheet comparison of their Medicare supplement plan to other carriers

What’s so special about Bob Vineyard and Georgia Medicare Insurance Shop?

  • You get the benefit of my 38 years experience
  • I am a “boomer” who understands your needs
  • We survey the entire Georgia Medigap market, over 170 plans, and show you the best
  • We know which carriers are brand new and offering “low-ball sucker” rates and which ones have a stable history
  • We can show you the plans with the best value, and that is rarely Medicare supplement plan F . . .

Are you ready to start saving money? Click the image below.

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