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.

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Disclaimer: We do not offer every plan available in your area. Currently we represent 4 organizations which offer 41 products in your area. Please contact, 1‑800‑MEDICARE, or your local State Health Insurance Program to get information on all of your options. Not connected with or endorsed by the United States government or the federal Medicare program.