Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
In order to determine what plan is best for you, I would need to know more about you such as your age, gender, any tobacco usage, married or single (determines availability of a household discount on rates), medical history (if outside open enrollment period), and other factors to provide accurate figures and suggest a proper course of action that best serves your needs.
For the overall populace, the most comprehensive (and most popular) Medigap plan is plan F as it covers all Medigap benefits at 100%. Plan G is the second most popular plan because it's identical to plan F except it doesn't cover the Medicare Part B deductible ($147 in 2014).
So how do you decide between the two? It comes down to price. Since Medigap policies are standardized (meaning a plan F from company A is the exact same plan F from company B), the only difference between the coverages is the price you pay for them. With the only difference between plans F and G, if the annualized premiums total more than a difference of $147, then plan G offers you the better deal - if the total is less than $147, then plan F is the better deal.
I hope the information is helpful - please feel free to contact me if you have any questions, including quote requests, plan comparisons. Thanks very much.
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For the overall populace, the most comprehensive (and most popular) Medigap plan is plan F as it covers all Medigap benefits at 100%. Plan G is the second most popular plan because it's identical to plan F except it doesn't cover the Medicare Part B deductible ($147 in 2014).
So how do you decide between the two? It comes down to price. Since Medigap policies are standardized (meaning a plan F from company A is the exact same plan F from company B), the only difference between the coverages is the price you pay for them. With the only difference between plans F and G, if the annualized premiums total more than a difference of $147, then plan G offers you the better deal - if the total is less than $147, then plan F is the better deal.
I hope the information is helpful - please feel free to contact me if you have any questions, including quote requests, plan comparisons. Thanks very much.