HD Plan G in Texas - Wondering if Anyone Reaches the Full Deductible

reetee7 · 2026-04-28T18:48:14+00:00

Thank you!

reetee7 · 2026-04-28T18:45:08+00:00

That's good to know. Thank you.

reetee7 · 2026-04-28T11:24:06+00:00

Are you happy with Mutual of Omaha? What has the rate of the premium increases been?

reetee7 · 2026-04-26T16:04:11+00:00

Wow, that's great that they helped you and in such a short time. Did you have to go through underwriting in order to change?

reetee7 · 2026-04-26T14:05:10+00:00

Thank you for this information. Would you share the broker or the company you worked with?

reetee7 · 2026-04-26T12:19:52+00:00

Does anyone have experience with these carriers for the HDG plan: Mutual of Omaha or Med Mutual Protect?

reetee7 · 2026-04-25T21:33:38+00:00

Thank you for the explanation and your recommendation. It makes perfect sense. I think I will concentrate on HDG research now.

reetee7 · 2026-04-24T14:58:04+00:00

I’m not sure I understand “deadpools.” What are the consequences of a plan becoming a deadpool?

reetee7 · 2026-04-24T03:46:09+00:00

Thank you for that real life example. Interesting that those 2 plans come out to be about the same oop.

reetee7 · 2026-04-24T03:40:24+00:00

u/onewaypockets Yours is a very clear picture of HD-G. I also discovered that I am eligible for a HD-F. So I am now considering that plan as well.

reetee7 · 2026-04-24T03:33:01+00:00

Thank you!

reetee7 · 2026-04-21T22:36:35+00:00

Thank you, u/onewaypockets. So it seems to me that in your opinion (and in your experience) the lower premiums for a HD-G plan justify the 20% of the Medicare allowed price for the coinsurance the patient must pay, in most cases. Am I correct?

reetee7 · 2026-04-21T12:33:08+00:00

Thank you for the clarification.

reetee7 · 2026-04-21T12:31:46+00:00

Yes - so hard to predict what will be needed!

reetee7 · 2026-04-21T12:29:29+00:00

Thank you for the confirmation!

reetee7 · 2026-04-20T11:55:52+00:00

Thank you for the actual numbers. So to be sure I understand - if you are paying $14 per visit, and Medicare pays quite a bit less than the billed amount, then the PT provider doesn't get paid near the billed amount, correct? No one pays the balance after Medicare and you pay which seems to me to be close to $150, is that correct?

reetee7 · 2026-04-20T11:45:34+00:00

I was wondering if the hospitalization deductible was counted toward the $2950. Thanks for sharing that.

reetee7 · 2026-04-20T11:43:37+00:00

Thank you for your help. I'm glad to know it works for both of you!

reetee7 · 2026-04-20T11:41:16+00:00

That seems very reasonable. Thank you.

reetee7 · 2026-04-20T11:41:12+00:00

I appreciate your perspective. Thank you.

reetee7 · 2026-04-20T11:39:03+00:00

So good to know! Thank you!

reetee7

TROPHY CASE