Medicare and Insurance

We travel extensively and chose Plan G. Plan F is being discontinued in 2020. You can still purchase Plan F but you could find yourself in an adverse selection situation. Folks in good health will move to Plan G because it is usually significantly less expensive leaving the sick in Plan F. Higher claims equal higher premiums. Insurance companies can't raise your premium because you have claims. They can raise premiums on any block of business at renewal. Examples of a block of business could be an age band or a zip code. Plan G has a $186 yearly deductible for doctor care.