Cancer-free, better Medigap coverage, lower premiums
When Richard signed up for Medicare Supplement insurance he had recently been treated for cancer. He had chosen a Plan N with Blue Cross Blue Shield and it was costing him $127/month.
When Laura Pecina met Richard, he had been cancer free for over 4 years. Laura explained that some carriers only look back a few years on cancer, so they decided to apply for a Plan G with CSI Life.
CSI Life accepted him, and his new premium is $117/month. Although Richard is only saving $10/month, he also is getting better coverage. Plan N policies tend to be less expensive, but they do not cover Part B deductibles or excess charges, and they also require a Part B copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits.
On the other hand, Plan G policies do cover Part B excess charges, and there are no Part B copayments. The Part B deductible is $147 for 2015.
- Old Plan N with BCBS: $1524/yr
- New Plan G with CSI Life: $1404/yr
- Savings + Better Coverage: $120/yr
If you've had cancer, or other diseases or illnesses, don't assume you're stuck with what you have. Contact us to learn your options.
Get the Medicare Cost Worksheet
This interactive PDF worksheet lets you plug in numbers as you research your Medicare options, and calculates your total to give you an idea of your premiums. You can also print it out and complete it.Get My Worksheet