Blog

Cancer-free, better Medigap coverage, lower premiums

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.

Calculate Your Medicare Costs Today

Create a Medicare action plan by estimating your total monthly premiums for healthcare and related expenses in retirement.

Get My Worksheet
Calculate Your Medicare Costs Today

Here's what our clients say…

Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.