Bill and Shirley called me from a referrral from one of my clients. They are on Medicare with a supplement plan and a Part D plan. They are both 78 years old and have been on a supplement Plan F for 13 years. They are also on a Part D plan paying $68/month with the same carrier. Their monthly premium is close to $300 each for their supplement plan and $68/month for Part D. They are on a fixed income and it's just been harder and harder to keep up with the price increases. They love their plan and they are afraid if they change they would not be able to get it back.

First I explained their options with a Medicare Supplement plans, how they work and the potential to switch plans if they can get through underwriting. Specifically looking at a Plan G over a Plan F. Their current Plan F pays for the Part A deductible and copays and the Part B deductible and 20%. The only difference between a Plan F and a Plan G is the Part B deductible which is required to be paid on Plan G otherwise it is the same exact plan. The Part B deductible in 2024 is $240/year. The difference in premium is $130/month for each of them. I was able to get them through underwriting and enrolled them on a Plan G saving them a combined $260/month and their only risk is the $240/year deductible. 

I also switched ther current Part D plan to a different carrier which covered their medications at a better rate then they currently had and the premium is $24/month saving them an additional $44/month for each. 

They are happy because they have saved $3000/year in premiums even after having to pay the Part B deductible. They have the same network which is Medicare and get the same prescriptions at a better price. They have recommended me numerous times. Generational referrals are the best.