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Ms. Toad

(38,396 posts)

7. A first step is just education - you are choosing a supplement plan for life.

Reply to Bluetus (Reply #4)

Mon Dec 29, 2025, 07:00 PM

Dec 29

Do the research. All supplement plans, in essence, pay what the government tells them to pay. A very educated colleague of mine didn't like the (non-Medicare) reputation of the insurance company - so he chose to enroll in a plan that was clearly before more expensive.

Before I enrolled, I tracked the historical COLA, and the annual age-related increased and plotted out the lifetime costs for each plan. The AARP plan was the cheapest by about 50% from the next closest plan. Most were double or triple - for the exact same benefits. The COLA isn't fixed at the time you enroll - but history is a decent predictor - and by that time I had My parents' 25-year history with the same plan (still the cheapest).

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dalton99a

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Highlight:

United Healthcare Supplemental Insurance Rates [View all] redstatebluegirl Dec 29 OP

Can't help you with United HC, but fwiw ariadne0614 Dec 29 #1

I'm still at $160 through USAA NameAlreadyTaken Dec 30 #12

My Mutual of Omaha Plan G went from $251 to $305. GoodRaisin Dec 30 #15

It's partially determined by the state you reside in. ariadne0614 Dec 30 #16

Seems the fees are still in progress for various companies. NewHendoLib Dec 29 #2

About a 25% increase in a BCBS traditional, non-medicare advantage, non-supplemental plan. LuckyCharms Dec 29 #3

It is time for Medicare to offer a Supplemental tier at actual cost Bluetus Dec 29 #4

A first step is just education - you are choosing a supplement plan for life. Ms. Toad Dec 29 #7

It is not always "for life" Bluetus Dec 29 #8

The states in which you can switch (outside of the first 6 months) are very few. Ms. Toad Dec 29 #9

I get what you are saying, but I don't trust any HC corporation to not screw me at every opportunity Bluetus Dec 29 #11

You can't determine everything, since the COLA is tied to unpredictable increases in prices - BUT Ms. Toad Dec 30 #14

I appreciate your information, but here is where we disagree: Bluetus Dec 30 #17

We also should not need an MBA and law degree redstatebluegirl Jan 5 #19

Agree completely NameAlreadyTaken Dec 30 #13

Thanks everyone. redstatebluegirl Dec 29 #5

It will depend on the plan you purchased, and on where you are in losing your purchase discount. Ms. Toad Dec 29 #6

I just found out mine just went up 46%. redstatebluegirl Jan 5 #20

Do you know how much was age-related, Ms. Toad Jan 5 #21

I do not know. redstatebluegirl Jan 5 #22

That's my experience - Ms. Toad Jan 5 #23

If we live that long... redstatebluegirl Jan 5 #24

we have the UHC/AARP supplemental RussBLib Dec 29 #10

I just got notice that my supplemental plan is going up redstatebluegirl Jan 5 #18