Medicare/Supplements

Decrease your out-of-pocket medical expenses with medicare supplements through us. 

Is Medicare Supplement Plan F being discontinued? 

The Medicare Access and CHIP Reauthorization Act of 2015 (MACRA) passed by Congress and signed into law on April 16, 2015 changed the law on various aspects of health care, including some Medicare Supplement plans. The new law states that on or after January 1, 2020, a Medicare Supplement policy that provides coverage of the Part B deductible may not be sold or issued to a newly eligible Medicare beneficiary.  That means that people whose birthday is December 31, 1954 (turning 65 on December 31, 2019) may be the last group able to enroll in Medicare Supplement Plan F. After January 1, 2020, you will not be able to enroll in Medicare Supplement Plan C, one of the closest alternatives to Plan F, either, since it also covers the Part B deductible.  If you already have Plan F, you can keep it. The law only affects new enrollees.

The good news for enrollees buying a Medicare Supplement plan after January 1, 2020 is that the Part B deductible, which will not be covered in your plan, is not one of the biggest health-care costs under Medicare. In 2017 the Part B deductible is $183 per year. The Part A deductible is more than seven times that amount. Almost all the standardized Medicare Supplement plans available in most states (except Medicare Supplement Plan A) still may cover at least 50% of the Medicare Part A deductible, which in 2017 is $1,316 for each benefit period.

If you are unable to enroll in Plan F or Plan C, you may consider buying Medicare Supplement Plan G, which generally covers everything Plan F covers except the Part B deductible. Plan G may cover:

• Medicare Part A deductible
• Medicare Part B excess charges
• Part A hospital and coinsurance costs up to an additional 365 days after Medicare benefits are exhausted
• Part B coinsurance or copayment
• First three pints of blood used in an approved medical procedure (annually)
• Part A hospice care copayment or coinsurance
• Skilled Nursing Facility (SNF) coinsurance
• Foreign travel emergency medical care (80% up to plan limits)

Did you know that there are predictions that Plan F can increase as much as 1.5 times.  To get on a Plan G you may have to go through U/W and if there is major health issue in 2020, you may not be able to get through U/W. Therefore, you may end up with higher premiums. 

Renaissance Agency Carolinas is trying to alert clients now as to this possibility so you will not be blindsided in 2020.  We are happy to offer advice or answer any questions related to this change.

Medicare Supplement Plans

Competitively priced

Electronic applications

• Electronic claims
• Discount prescription drug card 
• Part D

As an independent agent, we can lower the premium on the same coverage you have now on your Medicare Supplement plan   F,G or N by shopping your rate.  There is no reason to overpay since Medicare requires all Supplement plans to pay the same if they are the same plan letter (plan F is the most popular).

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Renaissance Agency Carolinas