NAPFA, Garrett Planning Network, XY Planning Network, https://www.adviceonlynetwork.com/, https://www.flatfeeadvisors.org/. You might need to look at web sites of RIAs in search results to distinguish flat fee from AUM-only.
The only problem we ever had were with providers of service who coded various tests and procedures incorrectly.. In addition, sometimes they slip up and don’t bill your secondary insurance For the balance Medicare doesn’t pay.
I think Medicare automatically forwards the processed claim to Medigap for the remaining cost (20% for Part B). If Medicare pays, Medigap must pay.
"Good" news for Part D: Beginning in 2025, Part D enrollees’ out-of-pocket drug costs will be capped at $2,000 (and indexed to rise after 2025). That will make it less important for some to choose the optimal plan.
Since neither N nor G cover the Part B deductible, the only differences are co-pay and excess charges. Many providers don't charge excess charges, and some states ban excess charges. $20 co-pay might not apply to preventative care. The last time I checked, Blue Cross in New Jersey had $60 / mo. lower premium for Plan N vs G for 67 YO female.
You can get a quote for your ZIP code and age at https://www.usaa.com/inet/wc/insurance-medicare-supplement-medigap . USAA Medigap Plan G for 68 YO male in NC is $30 / mo. higher than Mutual of Omaha Plan G.
Comments
NAPFA, Garrett Planning Network, XY Planning Network, https://www.adviceonlynetwork.com/, https://www.flatfeeadvisors.org/. You might need to look at web sites of RIAs in search results to distinguish flat fee from AUM-only.
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"Good" news for Part D: Beginning in 2025, Part D enrollees’ out-of-pocket drug costs will be capped at $2,000 (and indexed to rise after 2025). That will make it less important for some to choose the optimal plan.
Post: Time to Decide
Link to comment from May 31, 2023
Since neither N nor G cover the Part B deductible, the only differences are co-pay and excess charges. Many providers don't charge excess charges, and some states ban excess charges. $20 co-pay might not apply to preventative care. The last time I checked, Blue Cross in New Jersey had $60 / mo. lower premium for Plan N vs G for 67 YO female.
Post: Time to Decide
Link to comment from May 31, 2023
You can get a quote for your ZIP code and age at https://www.usaa.com/inet/wc/insurance-medicare-supplement-medigap . USAA Medigap Plan G for 68 YO male in NC is $30 / mo. higher than Mutual of Omaha Plan G.
Post: Time to Decide
Link to comment from May 31, 2023