The Medigap plans that you can pick from in 2019 will be quite varied. They have lots of different coverage options, and they are far from all being the same. Choosing the wrong plan can cause you to lose a lot of money, so you ought to compare Medigap plans for 2019.
What that means is that you compare the coverage between the plans. If you were to choose a plan that has high coverage, but you don’t actually need that coverage, then that’s money wasted that could be spent elsewhere. Each plan offers something different, even if the differences are quite small. For instance, Plan F comes with full coverage for its subscribers, but Plan G has almost the same coverage. The only difference is that it provides no coverage for Medicare Part B’s deductible. Everything else is the same between these two plans.
There are a lot of plans that are like that. There may be only one or two small items of difference between them. You will have to look at each of them in turn to see how they measure up and determine which one is right for you. Your circumstances determine which plan is best suited to you. If you need a lot of coverage, then a high-coverage plan will work for you. If you have few medical expenses beyond what Medicare basic covers for you, then a low-coverage plan or no supplemental plan at all may work best for you.
As you compare Medigap plans for 2019, be sure you are keeping up with coverage changes. The coverage that each plan has could be subject to change at some point. Medicare issue a statement to the effect that no changes would happen to the plans until at least 2017, but after that, it’s anybody’s guess. The best guesses say that no major changes will be taking place. Medicare probably won’t cause a major shakeup among its plans and distress its subscribers.
What you are more likely to see are some small changes here and there. So you want to keep up with those changes as they happen. Try not to just pick out a single plan as you look at the plans for 2019. You can’t sign up for them yet, but you will probably want to pick out a plan to sign up for when that time comes. But don’t limit yourself to a single plan. Instead, pick out a couple that seem to be good matches. Then keep track of those plans as they change. That way, you will be able to pick from a couple different plans if the one you really favor changes to where it is no longer the best plan for you.
If you hope to save any money on your medical expenses, then you definitely have to compare Medigap plans for 2019. No other way will ensure you are getting the most suitable plan. And you have time between now and then to really get to know these plans and to make some decent comparisons. Use that time wisely to pick out the finest plan for yourself.