There is a new law coming into effect that states that on or after January 1, 2020, a Medicare Supplement policy that covers the annual Medicare Part B deductible may not be sold or issued to a newly eligible Medicare beneficiary. That means that individuals whose 65th birthday occurs starting January 2020 will not be able to enroll onto a Medicare Supplement Plan C or Plan F since both cover the Part B deductible. Individuals who already have Plan C or Plan F will be able to keep their plan, but individuals newly eligible for Medicare will not be able to select a Plan C or Plan F. (Note: currently the Part B deductible is $183 for the year.)
Since Plan C and Plan F will not be available starting 1/1/2020, individuals may want to consider a Plan G Medicare supplement plan. Although Plan G does not cover the Part B deductible, it does cover the Part A deductible and Part A hospital coinsurance costs up to a maximum of 365 days, skilled nursing care and hospice care as well as Part B coinsurance costs and excess charges.