Supplement Premiums Are Rising! Stay Savvy, Here’s What You Can Do About It.

If you’ve taken a look at your new Medicare Supplement premiums and felt a little “sticker shock,” you’re not alone. With rising rates across the board — including for drug plans — many people are reevaluating their coverage.

There are lots of theories about why premiums are increasing, but the truth is: this has been a long time coming. The good news? You still have options — and no, switching to a Medicare Advantage Plan isn’t your only one.

Are You on Plan F or Plan G?

If you enrolled in Plan F or Plan G when you turned 65, you probably remember how affordable they were — and how comprehensive the coverage was. These were the “Cadillac” plans. But now, with higher premiums, it’s worth asking: is the cost still worth the coverage?

Let’s explore your options:

1. Step Down to Plan N

Plan N still offers solid coverage, but at a lower monthly premium. It’s a good middle ground for those who want to maintain flexibility without breaking the bank.

2. Consider a High Deductible Plan G

This version of Plan G comes with a significantly lower premium, but you’ll have to meet a higher deductible before coverage kicks in. You can pair it with a critical illness or accident plan to help protect against unexpected costs — and still save money overall.

3. Take Advantage of the “One-Year Free Look”

Not sure if an Advantage Plan is for you? You may be eligible for a one-time, one-year trial of an Advantage Plan with the option to return to a Supplement plan. This lets you try it out without locking yourself in.

Curious About These Plans?

• Plan N Coverage: Lower premiums, but you’ll pay copays for doctor visits and ER trips (unless admitted).
  
  
• High Deductible Plan G: Great for healthy individuals who don’t visit the doctor often but want peace of mind.
  
  
• One-Year Free Look: Gives you flexibility to test an Advantage Plan and still go back to your Supplement if it’s not a fit.
  
  

If your premiums are making you second-guess your current plan, you’re not alone — and you do have options. Let’s talk through what’s best for your needs and budget.

Let’s Find the Right Fit for You

 Not sure where to start?
📞 Schedule a Free Consultation Today!

405-987-4380
Let’s review your coverage together and find a plan that meets your needs and your budget.