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Hi Kimberley! Thank you so much for reaching out to us, and we're sorry that you haven't been given clear information about what's happening with your mother's assisted living cost-sharing situation. That must be incredibly frustrating! If you'd be willing to call us at 1-(800)-446-9157, we'd be more than happy to chat with you, hear more about your predicament, and offer you some clarity (free of charge, of course). Our aim is to demystify Medicare as a whole, so if we can help you sort through things, it would be our pleasure.

Hi Dave! Thanks for your comment. We would love to talk to you more about this, you can give us a call at 817-410-5818. We can help answer whatever questions you might have!

@@medicarehelpline7567 Thanks for your reply - I was hoping for a clue if I'm even on the right track.

​@@davebean2886 Thank you for your question. Here's some basic explanations and advice to help you. Plan F, and any Medigap plan that pays the part B deductible are going away for those who don't already qualify for them before 2020. If you were eligible prior to 2020 you will continue to have options to enroll in plan F. So, plan G is the go-to plan now. It's the next best thing to Plan F and the only difference is that it doesn't pay the Part B deductible, which is $198 for the year in 2020. Plan G, and it's newest sibling High Deductible Plan G, will be the replacement for F and HDF. Regular Plan G is best if you are going to use it. The high deductible option should only be used if you don't plan to use it. However, I will tell you that my parents switched to HDF and a year later both had substantial hospital bills. So they shouldn't have switched in retrospect. If you have Plan F or are eligible for it, get that and keep it, or switch to Plan G. Either are good choices. The premiums do go up each year, in both plans. However, the premium is not standardized. So each carrier sets their premiums and we normally use our rate search engine to help people save money every few years by switching carriers. Some carriers have higher renewal increases than others, so it pays to let us shop for you. When you initially chose "issue age" it affects how the premiums are set and increased. So, if you chose "attained age" it can increase due to inflation and other factors including your age. Since you chose "issue age", it can increase due to inflation and other factors but not your age. So, with "attained age", your premium is based on your new age each year. With "issue age", your premium is based on your age at the time you purchased the policy. Does all of this help you?

@@medicarehelpline7567 It does help thanks. I'm still not sure if I should bother to switch from my issue age HDF to issue age HDG . I'm not concerned about current premiums, but what may happen in the future. Thanks - very few advisors are even letting people know the high deductible plans are available. ... or provide information about how the annual difference in premiums compare to the annual deductible for high deductible vs regular F and G. [sigh]