If you turn 65 after 2019, you no longer can purchase a policy that covers the deductible for Part B. If you reach that age before Jan. 1, however, you'll still have that option available.
If you'll reach age 65 after this year, be aware that the lineup of Medicare supplement insurance policies — aka Medigap plans — will look a bit different beginning in 2020.
This change means the two Medigap plans that pay the annual Part B deductible — C and F — will be off the table for future 65-year-olds. Medigap plans, which are sold by private insurance companies, help cover cost-sharing aspects of original Medicare — Parts A and B — including copays and coinsurance.
Medigap policies can be pricey, depending on your age, where you live and the level of coverage you choose. A 65-year-old male will pay anywhere from $126 to $464 monthly for a Medigap policy, according to the American Association for Medicare Supplement Insurance. For a 65-year-old woman, the range is $118 to $464.
The most popular Medigap option has been Plan F, which is considered the Cadillac of Medigap plans due to its generous coverage and higher premium.This debt is most likely to force you into bankruptcyAnd although Plan F no longer will be available for future 65-year-olds, Plan G provides the same coverage, minus the Part B deductibles. That is, its coverage includes copays, deductibles and coinsurance associated with Part A, along with 80% of your emergency overseas medical care .
"Those copays can sometimes cancel out the lower premium," said Danielle Roberts, co-founder of insurance firm Boomer Benefits in Fort Worth, Texas.
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