Best Medigap supplement if newly diagnosed .

Get the best, most inclusive coverage. For me medicare pays 80% and my supplement pays 20%. The name of the supplemental insurance changes by geographic area. I have Blue cross. I can go to any doctor in the United States that medicare and blue cross covers. There is a diffference in medical care, and results depending on coverage.

Research insurance companies and how your State handles Medicare Supplement insurance. We had Plan G for 8 years and our provider was raising our premiums several times a year. I called another provider for a quote and was informed that the policy of our current provider allowed them to raise premiums 3 times a year. The policy of the one I had called only allowed them to raise rates once a year. While Plan G paid all our claims except the $183 Medical deduction, I was paying for coverage that was not necessary in the State of Ohio. Ohio does not allow "excess charges" to be billed...the difference between what provider charges and what Medicare allows (Plan G pays for this). So we were paying a premium for something the insurance company was not going to have to pay anyway. I switched providers, enrolled in Plan N, and saved $200 a month. Since we switched my husband has been diagnosed with Prostate Cancer in December. So far he has had a Primary care office visit, 2 urologist visits, biopsy, CT and bone scans, lab tests....and we have only paid $183 deductible and a $20 office call. The only thing our Plan N does not cover is out of country medical. Check the Medicare rules for your State (I found a comparison chart online on our State Website.)

I live in Ohio and bought my plan G suppemental from Aetna for $130/month.  In Ohio the state website is OSHIP.gov, but every state should have a SHIP website.They have paid for everything... surgeries, chemo, radiation. Also I am a veteran and have USAA for our auto insurance.

As I recall, plan F is the same coverage as plan G except the premium is slightly higher and there is no annual deductable.  As the plan G deductable is around $180/yr (or $15/mo) if the plan F premium is no greater than than $15/mo more than the plan G then go with plan F.

My medicare advisor informed me that medicare plans to plase out plan F, but once you're in you'd probably be grandfathered in.  The biggest disadvatage with the advantage plans is if you ever need to switch over to a supplemental, say to go out of network to go to a specialty cancer center, then you would be subject to an underwriting premium for any pre-existing conditions.  But once you're in a supplemental plan you are pretty much free to move around and change companies and plans.  I never thought to check USAA for medigap plans.

i have plan N with united thru aarp in kentucky, and got it after iwas dx.. after 3 months they cover a heck of a lot, sorry i don't have details.. my only problem is that my co-pay for zytiga is $2800, but it cost $10,000 / mo...  also my premium is about $240 /mo