Medicare has made a significant change to Medicare Supplement plans starting in 2020.
Medicare Supplement Plans F and C will no longer be options for those newly eligible for Medicare on or after January 1, 2020. Please note that Medicare Supplement Plans F and C are NOT being discontinued. If you are currently enrolled in either Plan F or Plan C, you can still keep your plan.
The technical change is as follows: The Medicare Access and CHIP Reauthorization Act of 2015 (MACRA) prohibits Medicare Supplement plans from providing first-dollar coverage of the Medicare Part B deductible for “newly eligible” beneficiaries on or after January 1, 2020, and so Plans F and C which have no deductible, will no longer be offered.
This all means that if you are newly eligible for Medicare from 2020, then any Medicare Supplement plan you choose will include a Part B deductible (currently for 2019 the deductible is $185 per year). Good alternatives will be Plans G and D which will have similar benefits to Plans F and C except that they will include the Part B deductible coverage.
If you have questions about all this, you can always call our office at 800-400-6633.