Medicare Supplement Plan J, why did you leave me?

Medicare Supplement Plan J, why did you leave me?

As of June 1st, 2010 Medicare Supplement Plan J is no longer being offered to Medicare beneficiaries. If you currently have Medicare Supplement Plan J, you will still be "grandfathered in", meaning that you can keep the Plan J.

WHY DID PLAN J GET DISCONTINUED?  

 Original Medicare made two upgrades: 

• Medicare now covers "Preventive Healthcare"
• Medicare now covers "At Home Recovery" 

Since Medicare now covers these two benefits, Medicare Supplement Plan J is not any better than Medicare Supplement Plan F. Therefore, Medicare Supplement Plan F is now the most comprehensive Plan, replacing Medicare Supplement Plan J. 

CAN I KEEP MY PLAN J?

Yes, anyone that has a Medicare Supplement Plan J is "grandfathered in", therefore you can keep your Plan J. 

  

WHAT WILL THIS DO TO MY MEDICARE SUPPLEMENT PLAN J'S MONTHLY PREMIUM?

 There are two reasons that it is likely that the Plan J premium is going to continue to  increase:

1. Because there are not any people entering into the Plan J.
2. Most of the people that are going to keep the Plan J are the people that are not healthy enough to switch plans, therefore driving up the monthly premium.

  

SHOULD I KEEP MY MEDICARE SUPPLEMENT PLAN J?

If you have health issues, than yes. However, if you have had stable health for the past two years you should change from a Medicare Supplement Plan J to a Medicare Supplement Plan F or G.

WHICH MEDICARE SUPPLEMENT PLAN SHOULD I SWITCH TOO?

Medicare Supplement Plan F now offers the same coverage as the Medicare Supplement Plan J offered. 

OR

Medicare Supplement Plan G offers the same coverage as the Plan J, except you have a small annual deductible of $147.00.  

(MedicareBob recommends the Medicare Supplement Plan G)

Medicare insurance question? Want quotes from 20+ Medicare Supplement Companies? Want a chart of the available Medicare Advantage Plans in you County? Call me, Robert W. Bache aka MedicareBob: 1-800-525-0299.

Robert W. Bache aka “MedicareBob”
President / Producer
Senior Healthcare Direct
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