MEDIGAP360's Posts (69)

Standard Life and Accident Insurance

Standard Life Medicare Supplemental Plans

Standard Life and Accident Insurance Company offers Medicare Supplemental Insurance in many states. These plans supplement Medicare Insurance by filling in the gaps left by the Medicare Part A and Medicare Part B. Standard Life Medicare Supplements are standardized like all other Supplemental Insurance Companies. They are allowed to offer any of the Plans A-L but must at least offer Medicare Supplemental Insurance Plan A if they wish to offer Medigap Insurance at all.

Since Standard Life Medicare Supplemental Insurance Plans are standardized, you will get the same coverage for the same plan (i.e. Plan F) as you would get with any other Medigap Supplemental Insurance Company. Therefore, it is more important than ever to shop around multiple Medicare Supplement Insurance Companies to find the best rate possible for the exact same coverage.

Call (888) 875-4463 today to receive a multiple company rate analysis on Medicare Supplemental Insurance Plans from Standard Life and many other companies.

 

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State Mutual Insurance Company

State Mutual Medicare Supplemental Plans

State Mutual Insurance Company offers Medicare Supplemental Insurance in many states. These plans supplement Medicare Insurance by filling in the gaps left by the Medicare Part A and Medicare Part B. State Mutual Medicare Supplements are standardized like all other Supplemental Insurance Companies. They are allowed to offer any of the Plans A-L but must at least offer Medicare Supplemental Insurance Plan A if they wish to offer Medigap Insurance at all.

Since State Mutual Medicare Supplemental Insurance Plans are standardized, you will get the same coverage for the same plan (i.e. Plan F) as you would get with any other Medigap Supplemental Insurance Company. Therefore, it is more important than ever to shop around multiple Medicare Supplement Insurance Companies to find the best rate possible for the exact same coverage.

Call (888) 875-4463 today to receive a multiple company rate analysis on Medicare Supplemental Insurance Plans from State Mutual and many other companies.

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Sterling Investors Life Insurance

Sterling Investors Medicare Supplemental Plans

Sterling Investors Insurance Company offers Medicare Supplemental Insurance in many states. These plans supplement Medicare Insurance by filling in the gaps left by the Medicare Part A and Medicare Part B. Sterling Investors Medicare Supplements are standardized like all other Supplemental Insurance Companies. They are allowed to offer any of the Plans A-L but must at least offer Medicare Supplemental Insurance Plan A if they wish to offer Medigap Insurance at all.

Since Sterling Investors Medicare Supplemental Insurance Plans are standardized, you will get the same coverage for the same plan (i.e. Plan F) as you would get with any other Medigap Supplemental Insurance Company. Therefore, it is more important than ever to shop around multiple Medicare Supplement Insurance Companies to find the best rate possible for the exact same coverage.

Call (888) 875-4463 today to receive a multiple company rate analysis on Medicare Supplemental Insurance Plans from Sterling Investors and many other companies.

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Sterling Life Insurance Company

Sterling Life Medicare Supplemental Plans

Sterling Life Insurance Company offers Medicare Supplemental Insurance in many states. These plans supplement Medicare Insurance by filling in the gaps left by the Medicare Part A and Medicare Part B. Sterling Life Medicare Supplements are standardized like all other Supplemental Insurance Companies. They are allowed to offer any of the Plans A-L but must at least offer Medicare Supplemental Insurance Plan A if they wish to offer Medigap Insurance at all.

Since Sterling Life Medicare Supplemental Insurance Plans are standardized, you will get the same coverage for the same plan (i.e. Plan F) as you would get with any other Medigap Supplemental Insurance Company. Therefore, it is more important than ever to shop around multiple Medicare Supplement Insurance Companies to find the best rate possible for the exact same coverage.

Call (888) 875-4463 today to receive a multiple company rate analysis on Medicare Supplemental Insurance Plans from Sterling Life and many other companies.

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Unicare

Unicare Medicare Supplemental Plans

Unicare offers Medicare Supplemental Insurance in many states. These plans supplement Medicare Insurance by filling in the gaps left by the Medicare Part A and Medicare Part B. Unicare Medicare Supplements are standardized like all other Supplemental Insurance Companies. They are allowed to offer any of the Plans A-L but must at least offer Medicare Supplemental Insurance Plan A if they wish to offer Medigap Insurance at all.

Since Unicare Medicare Supplemental Insurance Plans are standardized, you will get the same coverage for the same plan (i.e. Plan F) as you would get with any other Medigap Supplemental Insurance Company. Therefore, it is more important than ever to shop around multiple Medicare Supplement Insurance Companies to find the best rate possible for the exact same coverage.

Call (888) 875-4463 today to receive a multiple company rate analysis on Medicare Supplemental Insurance Plans from Unicare and many other companies.

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United Nation Life Insurance

United National Medicare Supplemental Plans

United National offers Medicare Supplemental Insurance in many states. These plans supplement Medicare Insurance by filling in the gaps left by the Medicare Part A and Medicare Part B. United National Medicare Supplements are standardized like all other Supplemental Insurance Companies. They are allowed to offer any of the Plans A-L but must at least offer Medicare Supplemental Insurance Plan A if they wish to offer Medigap Insurance at all.

Since United National Medicare Supplemental Insurance Plans are standardized, you will get the same coverage for the same plan (i.e. Plan F) as you would get with any other Medigap Supplemental Insurance Company. Therefore, it is more important than ever to shop around multiple Medicare Supplement Insurance Companies to find the best rate possible for the exact same coverage.

Call (888) 875-4463 today to receive a multiple company rate analysis on Medicare Supplemental Insurance Plans from United National and many other companies.

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United of Omaha Life Insurance

United of Omaha Medicare Supplemental Plans

United of Omaha offers Medicare Supplemental Insurance in many states. These plans supplement Medicare Insurance by filling in the gaps left by the Medicare Part A and Medicare Part B. United of Omaha Medicare Supplements are standardized like all other Supplemental Insurance Companies. They are allowed to offer any of the Plans A-L but must at least offer Medicare Supplemental Insurance Plan A if they wish to offer Medigap Insurance at all.

Since United of Omaha Medicare Supplemental Insurance Plans are standardized, you will get the same coverage for the same plan (i.e. Plan F) as you would get with any other Medigap Supplemental Insurance Company. Therefore, it is more important than ever to shop around multiple Medicare Supplement Insurance Companies to find the best rate possible for the exact same coverage.

Call (888) 875-4463 today to receive a multiple company rate analysis on Medicare Supplemental Insurance Plans from United of Omaha and many other companies.

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United Teachers Associates

United Teachers Associates Medicare Supplemental Plans

United Teachers Associates offers Medicare Supplemental Insurance in many states. These plans supplement Medicare Insurance by filling in the gaps left by the Medicare Part A and Medicare Part B. United Teachers Associates Medicare Supplements are standardized like all other Supplemental Insurance Companies. They are allowed to offer any of the Plans A-L but must at least offer Medicare Supplemental Insurance Plan A if they wish to offer Medigap Insurance at all.

Since United Teachers Associates Medicare Supplemental Insurance Plans are standardized, you will get the same coverage for the same plan (i.e. Plan F) as you would get with any other Medigap Supplemental Insurance Company. Therefore, it is more important than ever to shop around multiple Medicare Supplement Insurance Companies to find the best rate possible for the exact same coverage.

Call (888) 875-4463 today to receive a multiple company rate analysis on Medicare Supplemental Insurance Plans from United Teachers Associates and many other companies.

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United World

United World Medicare Supplemental Plans

United World offers Medicare Supplemental Insurance in many states. These plans supplement Medicare Insurance by filling in the gaps left by the Medicare Part A and Medicare Part B. United World Medicare Supplements are standardized like all other Supplemental Insurance Companies. They are allowed to offer any of the Plans A-L but must at least offer Medicare Supplemental Insurance Plan A if they wish to offer Medigap Insurance at all.

Since United World Medicare Supplemental Insurance Plans are standardized, you will get the same coverage for the same plan (i.e. Plan F) as you would get with any other Medigap Supplemental Insurance Company. Therefore, it is more important than ever to shop around multiple Medicare Supplement Insurance Companies to find the best rate possible for the exact same coverage.

Call (888) 875-4463 today to receive a multiple company rate analysis on Medicare Supplemental Insurance Plans from United World and many other companies.

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World Corp Insurance Company

World Corp Medicare Supplemental Plans

World Corp offers Medicare Supplemental Insurance in many states. These plans supplement Medicare Insurance by filling in the gaps left by the Medicare Part A and Medicare Part B. World Corp Medicare Supplements are standardized like all other Supplemental Insurance Companies. They are allowed to offer any of the Plans A-L but must at least offer Medicare Supplemental Insurance Plan A if they wish to offer Medigap Insurance at all.

Since World Corp Medicare Supplemental Insurance Plans are standardized, you will get the same coverage for the same plan (i.e. Plan F) as you would get with any other Medigap Supplemental Insurance Company. Therefore, it is more important than ever to shop around multiple Medicare Supplement Insurance Companies to find the best rate possible for the exact same coverage.

Call (888) 875-4463 today to receive a multiple company rate analysis on Medicare Supplemental Insurance Plans from World Corp and many other companies.

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Compare Medicare Supplement (Medigap) Plans and Rates from Top Rated Supplemental Insurance Companies

Many Americans that are on Medicare Insurance are finding that with the right Medicare Supplement Insurance Plan from Medigap 360 that you can:

  • Go to any Doctor or Hospital without worrying about “Networks”

  • Provide your Medicare Insurance Coverage and Medicare Supplemental Insurance Plan information 

  • Get all the Treatment that YOUR DOCTOR (not some insurance company) deems necessary and be covered.

That’s peace of mind worth having.

 

Compare Medicare Supplements Online Now
Call Right Now to Speak with a Medicare Supplement Broker
(888) 875-4463

Medicare Supplement Insurance Plans at Lower Rates

Why a Medicare Supplement Insurance Plan from Medigap 360?

If you are on Medicare, you are probably facing tough decisions on choosing the right Medicare SupplementInsurance Plan.  If you are like most of the people we have assisted in the past 26 years, you have found that trying to make the decision on the right Medicare Supplement Insurance Plan (Medigap Plan) can be stressful to say the least. 

The good news is that it doesn’t have to be. 

And you can have the same peace of mind that they have by choosing a Medicare Supplement Insurance Plan from Medigap 360. 

What’s even better is that if you choose the right Medicare Supplement Plan you will never have to pay a penny when receiving treatment in a physician’s office, hospital or specialty treatment center that accepts Medicare Insurance.  

That’s right, whether your doctor or hospital bills are $5 or $5,000,000, if you choose the right Medicare Supplement Plan you will never have to pay anything for doctor or hospital bills as long as Medicare approves a penny of the charges. 

There are:

  • No Deductibles

  • No Co-Pays

  • No Referrals Necessary

  • No Complicated Claims Paperwork to Fill Out

  • No remaining bills to pay if you choose the right Medigap Insurance (Medicare Supplement) Plan

 

Compare Medicare Supplements Online Now
Call Right Now to Speak with a Medicare Supplement Broker
(888) 875-4463

 

YOUR DOCTOR DECIDES HOW YOU SHOULD BE TREATED… not your Medigap insurance company.

You simply show your Medicare Supplement Insurance Card to the Doctor or Hospital and it will all be taken care of for you.  In fact, Medicare will in most cases send your claim directly to your Medicare Supplement Insurance Company and they will process the claim without you ever having to do anything.  When Medicare is unable to forward your claim, the hospital is required to file with your Medicare Supplement Plan for you.  So you never have to worry about claims paperwork or hassles.  You only need to Compare Medicare Supplements and find the one that is right for you and all is taken care of for you.

And again, if you choose the right Medicare Supplement Insurance Plan from Medigap 360, you will never have to pay a penny. 

We believe that doctors are for deciding on your treatment and Medicare Supplement insurance companies are there to pay your bills if and when health problems occur… and they should stay out of your doctor’s way when he is treating you.

Compare Medicare Supplements Online Now
Call Right Now to Speak with a Medicare Supplement Broker
(888) 875-4463


That is why we at Medigap 360 only work with clients who don’t want an insurance company making important healthcare decisions for them by telling them what doctors or hospitals that they can go to.  We want you and your doctor to have complete freedom to choose the best treatment options possible for you and your family and for you to have a Medicare Supplement Insurance Plan that will pay the bills, wherever you go.   We want you to be able to choose whatever doctor, hospital, or specialized treatment center that you think is best for you and gives you the best chance of recovering and getting back to your life.  

With a Medicare Supplement Insurance Plan, you will have complete freedom to go wherever you want, anywhere in the United States of America as long as they accept Medicare Insurance (which is almost everywhere.)

And another important thing to note is that when you purchase a Medicare Supplement Insurance Plan from Medigap 360 it is YOURS FOR LIFE.   This means that as long as you pay your premiums the insurance company can never take that coverage away from you… EVER!

Compare Medicare Supplements Online Now
Call Right Now to Speak with a Medicare Supplement Broker
(888) 875-4463

 

Don’t pay high rates for a Medicare Supplement Insurance Plan?

Did you know that there are a whole lot of companies offering Medicare Supplements in the United States?  Yet most people on Medicare Insurance can only name one or two of them.  The reason why is that only a few spend big money on advertisements or go to the expense of sending you a pile of information about themselves in the mail.  Most Medicare Supplement Insurance Companies rely on companies like Medigap 360 to educate the public while they concentrate on providing the services of issuing policies and paying claims. 

And since there are many Medicare Supplement Insurance companies offering may Medigap Plans at different rates, you can guess that by shopping around that you will find a company that is offering Medicare Supplements at lower rates than you are currently paying or considering. Most people find that, by letting we at Medigap 360 do the shopping for them, that they can save money on what they are currently paying or considering from the company or companies that they have talked to already.   

And what’s better is that since Medicare Supplement Insurance is standardized from one Medicare Supplement insurance company to the next, you can get the exact same or even better coverage for lower Medigap rates. 

But who has time to shop dozens of Medigap (Medicare Supplement) insurance companies?  Even more, why would you want to deal with the loads of information that they send you (that is more confusing than it is helpful) or with salespeople that want to come to your home and pressure you to buy what their Medigap insurance company is paying them to sell (not what’s necessarily best for you.)  

Well the good news is that you no longer have to.  With one simple phone call to Medigap 360 you will talk to a licensed Medicare Supplement Insurance Specialist.  He or she will be able to help you choose the right Medicare Supplement Plan and ensure that you are saving money and paying fair and lower Medigap Insurance rates.

Compare Medicare Supplements Online Now
Call Right Now to Speak with a Medicare Supplement Broker
(888) 875-4463

 

When I Need Help Choosing a Medicare Supplement Insurance Plan, What Makes Medigap 360 Different?

What makes Medigap 360 different is that WE WORK FOR YOU, not some insurance company.  We shop all the companies that offer Medicare Supplement / Medigap Insurance and find the ones that are reputable and can live up to their promises for many years to come.  (Basically we weed out all the small Medigap companies and the fly by nighters.)  

Then, from the companies that pass our rigorous requirements, we use state of the art technology to compare their Medicare Supplement Insurance rates and plans with you right over the phone (not in your home… we respect your privacy) and find the very best value for your particular situation. 

But that’s not all.  Have you ever applied for an insurance plan such as a Medigap Insurance plan or a Medicare Supplement Policy and been denied or gotten restrictions on your policy that you didn’t see coming… only after you had paid the initial premium.  Remember the hassle it took to get a refund or to find other suitable coverage?  Well, at Medigap 360, we don’t want that to happen to you ever again.

We are also Medicare Supplement Insurance “field underwriters” at Medigap 360.  This means that we will not only find you the best rates for Medicare Supplement Insurance but we will make sure that you will qualify for the coverage before we ask you to apply.  As long as you are honest with us about your health, we will be able to tell you right over the phone if you meet the underwriting standards of the Medicare Supplement or Medigap Insurance Company that is best for you.

This means that you get approved the first time and don’t have to worry about losing coverage. 

 

Compare Medicare Supplements Online Now
Call Right Now to Speak with a Medicare Supplement Broker
(888) 875-4463

 

Then what’s best is that we make arrangements with all of our Medigap and Medicare Supplement insurance companies to be able to enroll you in their plans right over the phone.  We don’t need to come to your house and invade your privacy just to get you the covered for at lower rates. 

How Does Medigap 360 Medicare Supplement Insurance Plans Work with Pre-Existing Conditions?

The simple truth is this.  If you have had another Medicare Supplement Plan for at least 6 months or if you’re new to Medicare Insurance and have been covered under a Group or Individual Major Medical Plan then all pre-existing conditions will be covered immediately by your new Medigap 360 Medicare Supplement Insurance Plan. 

If you haven’t had such Medigap or creditable coverage other than Medicare Supplement Insurance Plans for the past 6 months and you have a pre-existing condition or conditions, then the good news is that you are in exactly the right place.  A simple call to one of our Licensed Medicare Supplement Insurance Specialists at Medigap 360 and you will know your options in a matter of minutes. 

In some cases we can get your pre-existing conditions covered, in others you will only have a short waiting period.  One thing is for sure, you will be advised of the absolute best possible course of action to get the treatment that you need.   And you will always find the Medigap 360 recommendations and options for Medicare Supplement Insurance Plans to be the lowest in the United States.   This is why we are here.  

Call us today for the Medicare Supplement Quotes at the lowest Rates possible and for industry leading advice and counseling.

Compare Medicare Supplements Online Now
Call Right Now to Speak with a Medicare Supplement Broker
(888) 875-4463

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The majority of Medicare Insurance beneficiaries who have Medicare Supplemental Insurance pay more than they need to for the exact same coverage.

The truth is, Medicare Supplemental Insurance plans are standardized in most states*. This means that no matter which company that a Medicare Insurance recipient chooses for their Medicare Supplemental Insurance, the coverages will be the same from company to company.

Though the coverages are the same from company to company, premium rates vary depending on the company that you choose. The discrepancy on rates is determined by the experience of each insurance company and the pool of policyholders that own the same policies with that company. Other variables between companies that reflect in the premium rates include sales commissions and expected profits from the sale of these policies. These factors can add up to a difference in premium of up to $1,000 per year or more for the exact same coverage.

Most Medicare Insurance recipients could save money by switching to the same plan with another company. However, most people covered by Medicare Insurance pay more than they should for their Medicare Supplemental Insurance Plan. The reason is that they simply don’t shop around. By shopping multiple companies many could get the exact same coverage at a lower rate.

For instance, a Medicare Insurance Recipient could have an AARP Medicare Supplemental Insurance Plan J and pay a premium for this plan. Yet if this person shopped around they might see that Blue Cross Blue Shield could offer the same Plan J for a different premium. Yet if they continued shopping around to companies like American Republic or Loyal American or many other top rated companies they could realize a savings of up to $1000 per year (and sometimes even more) for the same coverage. It pays to find out how much you can save.

Not shopping around can have financial consequences as well. Many seniors and those with disabilities who are covered by Medicare Insurance earn a majority of their living from Social Security. Paying those extra Social Security earnings to an insurance company rather than saving it for themselves and their families can leave many worse off than they should be. Some even will not be able to buy food or other basic necessities because of this additional premium.

Stop throwing your hard earned Social Security earnings away. Shopping around could save you hundreds if not thousands of dollars per year.

To compare rates and plans on Medicare Supplemental Insurance in your area, simply fill out the form on the right side of this page. Or for faster service you can call and speak directly to a licensed Medicare Supplement Insurance specialist at (888) 875-4463.

*The standardized plans are lettered A-L with A being the core plan containing basic benefits and all other plans containing additional benefits. Plans F and J are the most popular and are also available with a high deductible option and plans K and L are less popular because they contain deductibles and co-insurance.

 

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Medigap Eligibility

Insurance companies must sell you a Medigap (Medicare Supplement) plan during certain periods of time — one period is called "open enrollment period." The others are called "guaranteed issue periods."

At other times, insurance companies may refuse to sell you a policy. If you have or used to have health problems, you may not be able to buy the Medigap plan of your choice. Most companies will have a few simple health questions that your Medigap360 Medicare Supplement Specialist can ask you to determine your eligibility.

Eligibility: Open Enrollment & Guaranteed Issue Periods

Open Enrollment

Seniors: Medigap companies must sell you a policy - even if you have health problems - if you are at least 65 and apply within six months after enrolling in Medicare Part B. These six months are called your "open enrollment" period. During open enrollment, a company must allow you to buy any of the Medigap plans it offers. You can use your open enrollment rights more than once during this six-month period. For instance, you may change your mind about a policy you bought, cancel it, and still have the right to buy any other Medigap policy, so long as the sale takes place during the six months after you enroll in Medicare Part B.

Although a company must sell you a policy during your open enrollment period, it may require a waiting period of up to six months before covering your pre-existing conditions. Pre-existing conditions are conditions for which you received treatment or medical advice from a physician within the previous six months.

Your right to open enrollment is absolute, even if you wait for several years after you become 65 to enroll in Medicare Part B because of continued employment or other reasons.

People with disabilities: People under age 65 who receive Medicare because of disabilities have a six-month open enrollment period beginning the day they enroll in Medicare Part B. This open enrollment right is only applicable to Medigap Plan A. Companies selling Medicare supplement insurance in Texas may not deny you a Plan A policy because you have pre-existing conditions. Companies are not required to offer the other plans to Texans with disabilities, but they may do so if they wish. During the first six months after you turn 65 and are enrolled in Medicare Part B, you will have a right to buy any of the 12 plans.

Guaranteed Issue

You may have the right to buy a Medigap policy outside of your open enrollment period if you lose certain types of health coverage. For people over age 65, the guaranteed issue right applies to Medigap plans A, B, C, F, K, and L. For people under age 65, this guaranteed issue right applies only to Medigap Plan A. In general, this right is for 63 days from the date coverage ends or from the date of notice that coverage will end. Companies may not place any restrictions, such as pre-existing condition waiting periods or exclusions, on these policies. This is called "guaranteed issue." You must provide proof of the loss of your health care coverage. Texans under age 65 with disabilities who enroll in Medicare Part B also have guaranteed issue rights, but they are only eligible for Medigap coverage under Plan A. This guaranteed issue right is also extended to people on Medicare who lose Medicaid because of a change in their financial situation.

Guaranteed Issue and Medicare Advantage Plan Disenrollment

What often goes unnoticed about Medicare Advantage Plans is that they reserve the right to terminate their contract with Medicare from year to year in any service area that they wish. When this happens, you will no longer be able to continue with your plan and will be placed back on Original Medicare at the beginning of the following year.

If your Medicare Advantage plan terminates its contract in your service area, you have the right to purchase any Medigap plan A, B, C, F, K, or L offered in your state without regard to your medical history or condition. If your Medicare Advantage plan ends services in your area, it must explain to you in writing your options and timeframes to buy a Medigap policy.

 

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Medigap Plans

Medicare Supplement Analysis With All The Highest Rated Medicare Supplement Providers

Thousands upon Thousands US citizens on the Medicare program are finding that with the proper Medicare Supplement Insurance Insurance Policy they are able to:

  • Be full protected with the Medicare program when you also have a and the right Medigap Policy

  • Select any urgent care center and don't be concerned about being in the right 2"network"

  • Ignore what your insurance provider green lights instead receive the treatment your healthcare provider prescribes

  • Enjoy straight out ZERO OUTSTANDING HEALTHCARE BILLS TO take care of!

Receive a Medicare Supplemental Insurance Policy today and lock in your rates with the protection you require at the price that is perfect your budget.

  • No hard to understand forms to fill out

  • No remaining doctor's bills To pay

  • No Co-Pays, No Deductibles

  • No referrals needed to get the treatment you need

Get the largest Medicare Supplemental Insurance purchasable where you live.

Click the link above now or call us to chat with a Medicare Supplemental Specialist. (888) 875-4463

Secure your physical well-being and safeguard your finances with a Medigap Insurance Plan

Like the thousands of people that we have helped over time, you have assuredly observed that attempting to come to a decision on the perfect Medicare Supplement Policy is stressful of course. Additionally, trying to find a Medigap Carrier to work with when comparing costs can be maddening too.

Fortunately, you do have choices. Finding a Medicare Supplement Insurance Company that you can work with is simple as ABC after you find out that:

  • Our services to you are absolutely free.

  • We are not connected to any one insurance company, instead we work for you.

  • Our company pledges you access to a complete range of Medigap Companies ensuring the lowest costs.

  • Our lowest price guarantee insures that you will NEVER Get corresponding Medigap Plan for less money - on the Web or through your local agent.

  • Our company's out-of-the-box technology gives you a lot of flexibility.

Obtain a Medigap Policy with our company and feel good about about both your cheaper premiums and the up to 100% coverage.

Follow this link get the best Medigap policies with the cheapest rates.

Or give us a call and a Medicare Supplement Insurance Agent will assist you guide you through the process. (888) 875-4463

But that is not the totality our team is willing to do for you. Did you ever had a go to put in for an insurance plan like a Medicare Supplement? Thousands upon Thousands American citizens are sadly declined protection or gotten limited coverage on their policy that they were blindsided by only after they had taken care of their initial bill. There is often great difficulties involved in collecting a refund or finding other matching Medicare Supplement Policy or other coverage.

Our team won't let this happen to you. Our Medigap Agents in-house are also expert "field underwriters." we shall not only assist you to locate the most affordable for Medigap Insurance Quotes, but we shall ensure that you will qualify for the coverage before committing you to a plan. By answering a few quick questions about your health, you could instantly approved for Medigap Insurance Coverage which will enroll you you immediately , with no hassles or worries you might revoking policies.

For each or our clients, we will not 3 a plan for you until we know for certain that you qualify for approval by the Medicare Supplemental company Plus, our Lowest Rate Guarantee insures that you never pay anything for our services and are always paying the lowest available price on the suggested policy you qualify to receive.

Also, for your convenience, we have made deals with with all of our Medicare Supplemental Companies to be able to allow you sign up for their policies right over the phone in just minutes. You get the inexpensive Medigap Rates available, protection for the rest of your days and, if you choose a Medigap Plan F, you will never need to pay a penny in the future for Medicare-covered medical necessities.

Obtain the largest Medicare Supplemental purchasable in your state.

Go to above now or give us a ring to speak to a Medigap Insurance Consultant. (888) 875-4463

A Bit About Medicare Supplement Plan F

Medigap is an insider term given to healthcare plans known as Medicare Supplemental Insurance. The Medigap Insurance Plans cover the gaps in Medicare coverage that are not taken care of by Medicare Parts A and B.

A Medigap Plan is not an stand-in for traditional Medicare like Medicare Advantage Policy, but instead works side-by-side with traditional Medicare. And, Medigap Insurance Plans differ from Medicare Advantage Plans as they have no co-pays, no deductibles, and no issues with being "in nework" that could interfere with you medical treatment.

If you enroll in the perfect Medigap Insurance Medigap Insurance Policy like Medicare Supplement Plan F you'll never expect to open up your wallet for any money at all when you get treatment in a physician's office, hospital or specialty treatment center that accepts standard Medicare.

When you enroll in a Medicare Supplement Plan F, whether your medical expenses are gigantic, you will never ever have to pay a dime for medical expenses when Medicare green-lights the charges.

  • No Complex Paperwork to Fill Out

  • No Outstanding Doctor's Bills To Take Care Of

  • No Deductibles, No Co-Pays

  • No Doctor Referrals Required to to See a Specialist

Look at Medigap Quotes Through Our Site

Give Us a Ring Immediately to Speak to a Medicare Supplement Insurance Agent. (888) 875-4463

Medicare Supplement Insurance Rates: How it all works

On those occasions when you need medical treatment with a doctor, specialty treatment center or hospital, you only have to show your Medigap Insurance card to the specialty treatment center, doctor or hospital. Then, almost magically, everything will be taken care of for you.

The fact is that, once your claim is filed with Medicare for Medicare Part B charges, Medicare in most cases will ship your claim direct to your Medicare Supplemental Carrier without you having to do anything. After that, your Medicare Supplemental Insurance Carrier will take care of the claim, often electronically and automically

With a easy comparison of Medicare Supplement Policies, you can see the one that's perfect for your health and finances and then you won't have to worry about extra medical expenses ever again.. And again, if you decide upon a Medicare Supplement Insurance Plan F from us, you will never have a remaining medical bills to stress out over.

Everyone here staunchly believes that doctors should be able to decide what the absolute best medical attention is for you while your Medicare Supplemental Insurance Policies makes sure that you are not hurt with health care expenses. Also, when you enroll a Medicare Insurance Plans like a Medicare Supplemental Plan F it is YOURS FOREVER as long as you keep paying the premiums. Unlike Medicare Advantage Plans, as long as you continue to pay the monthly premiums, the Medicare Supplement Company can never, ever expropriate your policy away from you... EVER!

Find the leading Medicare Supplement Insurance attainable in your state.

Go to above now or give us a ring to talk to a Medicare Supplement Specialist. (888) 875-4463

Learn Why We are One of the Largest Medigap Plan Brokerages

Just like the hundreds of thousands of elderly Americans we have assisted down through the years, you have found that trying to make the decision on a Medigap Policies can be irritiating to say the least. Also, trying to obtain a Medicare Supplement Insurance Carrier that will help you out as you examine Medicare Supplement Insurance Policies is usually difficult too.

Happily, that's why we're here. Working with a a Medigap Plan Broker is worthy of your trust is easy when you consider that:

  • We are considered the biggest and most reputable Medigap Brokerages in in the US.

  • We have connections to the top rated Medicare Insurance Policy Providers.

  • We have over a half a century of combined experience in Medicare Supplement Insurance Policies and Medicare law.

  • We're not aligned with to any insurance company, rather we work for you.

  • Our Medicare Supplemental Insurance Policy Broker Agents are rigorously put through a background check and thoroughly trained to advise you from an honest, considerate point of view.

  • Our Best Monthly Premiums Guarantee ensures you will have entree to a wide range of carriers and _blank2 you'l won't find identical Medicare Supplement Insurance Policy through your computer or with your longtime agent.

Best of all, our services are free.

Medigap Quotes: Why enroll and buy with us us?

If you are on Medicare, you are probably coping with difficult final decisions about selecting the correct Medicare Insurance Policy and you are probably duped by Medicare Advantage salespeople.

Medicare Insurance Plan Companies are required give idententical coverage options plan details. So see, it's very necessary to compare and contrast Medigap Plan Prices from the nation's best companies with a brokerage that's on your side.

Our company is different, since we work for you, not just one Medicare Supplemental Insurance Plan Company. Our analysts look closely every of the Medicare Insurance Policy Providers that sell Medigap Policies and find those that have a long-standing reputation and should live up to their commitments into the foreseable future. Basically, our analysts weeds out the small Medicare Supplement Insurance Plan Carriers and the undependable.

When we've located the right Medicare Supplemental Insurance Policy Carriers that match our rigid standards, we put to use our state of the art and our proprietary technology carry out Medicare Supplement Plan Comparisons. Thanks to our exhaustive research, we acquire the lowest monthly costs for current status , not what the Medicare Supplemental Insurance Plan Providers hope to sell to you.

Look at Medicare Insurance Plans Online

Pick Up the Phone and Call Right Now and Chat with a Medicare Supplemental Insurance Policy Specialist

However that's not all our agents can do for you. Have you ever tried sign up for a plan like a Medicare Insurance Policy? A lot of seniors, are frequently denied coverage or received restrictions on their policy that they didn't see coming after they had paid the first bill. Way too often there are terrible problems involved in receiving that initial premium back or locating another Medicare Insurance Policy or other coverage.

It's our job to keep this from happening to you.

The licensed Medicare Supplemental Policy Brokers on our team are also Medicare Supplemental Policy Field Underwriters. So our team will not only help you in buying the most affordable Medigap Rates, but we will make sure you will qualify for the plan before we ask you to apply. By answering fast questions regarding the status of your health, you could easily be instantly qualified for a Medicare Insurance Plan accepts your application you the first time, without frustrations or worry of of losing coverage.

We will not recommend a Medigap Plan for you until we are certain that you qualify to be approved by the Medigap Plan provider. On top of that, our Best Premium Promise ensures you never ever pay a penny for our professional and that you will always pay the most affordable price on the policy you qualify to receive.

For your convenience , we arrangements with all the big Medicare Supplemental Insurance Plan Companies to be able to let you apply for a policy right on the phone You will get. You'll get the cheapest Medigap available to you, coverage for as long as you keep up with your premiums and, when you choose Medigap Plan F, you'll never pay a penny again for Medicare-eligible Medicare-covered.

 

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Medicare Insurance Benefits - What You Need To Know

Medicare Insurance is a Health Insurance Program For:

  • People Age 65 or Older,

  • People under age 65 with certain disabilities, and

  • People of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant).

Medicare Insurance Benefits Plan Basics:

Medicare Part A (hospital) pays for in-patient hospital services, skilled nursing facility care after a hospital stay, home health care, and hospice care. Medicare Part A also pays for all but the first three pints of blood in a calendar year.

Medicare Part B (medical) pays for medical expenses, clinical laboratory services, and outpatient hospital treatment. In most cases, Medicare Insurance pays 80 percent of the cost of covered services.

Covered medical expenses include physicians´ services and supplies. Some Medicare Part B services are paid as a fixed copayment under the outpatient prospective payment system.

Medicare Part B also pays for some preventive services. Ask your physician about screening tests, flu shots, and vaccines covered by Medicare.

Medicare prescription drug coverage (also called Medicare Part D) pays for prescription drugs, both generic and brand name. You must join a prescription drug plan to have this coverage.

Options for receiving Medicare Insurance benefits

Medicare enters into annual contracts with insurance companies and managed care plans to provide coverage through different types of health plans. The original Medicare plan is available to everyone. Original Medicare is also sometimes called Medicare fee-for-service or traditional Medicare. You can go to any doctor or hospital that accepts Medicare. Original Medicare coordinates with most group retirement plans, Medicaid, Medicare savings programs, and Medigap insurance.

You may have the option to join a Medicare Advantage plan (formerly called Medicare + Choice). Medicare Advantage plans include health maintenance organizations (HMOs), preferred provider plans (PPOs), private fee-for-service plans (PFFS), and medical special needs plans. You can only join a Medicare Advantage plan if a plan is available in your area and you have Medicare Parts A and Part B. Some plans may have additional eligibility requirements. The federal Centers for Medicare and Medicaid Services (CMS) administers Medicare Advantage plans. Plans provide their members with a handbook upon enrollment that outlines the complaints and appeals process for denial of services.

CMS publishes a handbook, called Medicare and You, that describes Medicare coverages and health plan options. The handbook is mailed to every Medicare beneficiary each year.

Services Not Covered by Medicare Insurance Benefits

  • Long-term care services (generally not covered)

    • Custodial care, such as help walking, getting in and out of bed, dressing, bathing, toileting, shopping, eating, and taking medicine (these are commonly referred to as activities of daily living)
       

    • More than 100 days of skilled nursing facility care during a benefit period following a hospital stay (the Medicare Part A benefit period begins the first day you receive a Medicare-covered service and ends when you have been out of the hospital or a skilled nursing facility for 60 consecutive days)
       

    • Homemaker services
       

  • Private-duty nursing care
     

  • Most dental care and dentures
     

  • Health care received while traveling outside the United States, except under limited circumstances
     

  • Cosmetic surgery and routine foot care
     

  • Routine eye care, eyeglasses (except after cataract surgery), and hearing aids.

What You´ll Have to Pay with Medicare

Both Medicare Part A and Part B have costs that you must pay. These include monthly premiums, deductibles, copayments, and coinsurance. You also pay the full cost of services not covered by Medicare.

Premiums are amounts you pay regularly to keep your coverage. Most people do not have to pay a Part A premium, but everyone must pay the Part B premium. The premium amounts may change each year in January. A deductible is the amount you must pay for covered medical expenses before Medicare begins to pay. A copayment is a fixed charge for a medical service. Coinsurance is the percentage of the cost of a covered service that you pay after Medicare pays its portion of the cost.

Health care providers who accept "assignment" agree to limit their fee to the Medicare-approved amount for a service or supply, although you must pay any deductibles, coinsurance, or copayments due. Providers who do not accept assignment may charge as much as 15 percent above the Medicare-approved amount when treating Medicare patients. You must pay the excess amount. The amount you owe is shown on the Medicare Summary Notice that you receive from Medicare. If you were charged more than the 15 percent and paid it, your provider must refund the excess charges to you within 30 days. If you believe a provider has overcharged you, question the bill before you pay it and contact the Medicare carrier that processed your claim.

 

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Medicare Part D (More Info)

Medicare Drug Plans (also called “Medicare Part D”)

Medicare Drug Plans offer prescription drug coverage for everyone with Medicare. Medicare drug plans are run by insurance companies and other private companies approved by Medicare.

There are two ways to get Medicare prescription drug coverage:

  1. Join a Medicare Prescription Drug Plan. These plans, often known as “Part D Plans” or “PDPs” add prescription coverage to Medicare Part A and Medicare Part B and Medicare Advantage Plans without Prescription Coverage.  They are sponsored by private insurance companies who contract with and are paid by Medicare. Most plans charge an additional premium to Medicare Recipients enrolled in the plan.

  2. Join a Medicare Advantage Plan (like an HMO or PPO) or another Medicare health plan that includes prescription drug coverage. These plans replace Medicare Part A and Medicare Part B and are sponsored by private health insurance companies.  They also contain prescription drug coverage.

Note: Medigap policies with prescription drugs aren’t Medicare drug plans.

If you bought your Medigap policy before January 1, 2006, you may have a Medigap policy with prescription drug coverage. You can keep the prescription drug coverage in that policy or you can join a Medicare Prescription Drug Plan.

If you are in the Original Medicare Plan and already have a Medigap policy without prescription drug coverage, you can join a Medicare Prescription Drug Plan without changing your Medigap policy.

Can I buy a new Medigap policy that includes prescription drug coverage?

You can no longer purchase a Medicare Supplement Insurance Plan with Prescription Drug Coverage. This is because Part D now offers prescription drug coverage to everyone with Medicare.

To find out about Part D plans in your area, fill out the form to the right or call today to speak with a licensed Medicare Supplement Insurance Specialist.

 

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1) Do not make a decision to buy a Medicare Advantage Plan by comparing the premium of the plan to your Medicare Supplemental Plan.

Many Agents will try to compare your Medicare Advantage Plan Premiums to that of your Medicare Supplemental Policy, and they are normally lower. However, lower price is no more a reason to buy a Medicare Advantage Plan and give up Medicare Parts A &B than it is to buy a scooter rather than a Mercedes just because it costs less. To compare prices and come up with a good decision, you must make sure that you are making an apples to apples comparison. This is impossible with Medicare Advantage Plans and Medicare Supplemental Plans as they vary in benefits and structure. Medicare Supplemental Plans along with Medicare Parts A&B normally offer many more benefits and freedoms than Medicare Advantage Plans. In the end, you get what you pay for.

2) To enroll in a Medicare Advantage Plan, you must give up coverage from Medicare Parts A & B.

If you choose a Medicare Advantage HMO, PPO for Fee For Service Plan, you will be disenrolled from Medicare Parts A&B. Medicare will then pay a monthly premium to the Medicare Advantage plan to provide your health care. The plan may require you to pay an additional premium and may charge you a copayment each time you go to the doctor or get a prescription. To join a Medicare Advantage plan, you must have both Medicare Part A and Part B, not have end-stage renal disease, and live in an area that has a plan. Not all plans are available in all areas of the state.

3) You can have increased contol over your choice of healthcare providers with Medicare Parts A&B alone rather than a Medicare Advantage Plan, even without a Medicare Supplemental (Medigap) Plan.

Medicare Parts A&B allow you to choose and physician or hospital in the United States. In critical times, this freedom to choose and access the best providers could make a huge difference in treatment, and even save your life. Medicare Advantage Plans are not so flexible, possibly with severe consequences.

Medicare HMOs require you, in most instances, to use only physicians and hospitals in the HMO´s network. You can generally go to any doctor or provider you want with a private fee-for-service plan you must find a provider that will treat you and accept the plan's terms and conditions.

4) Medicare parts A&B alone (without a Medicare Supplemental) can provide you comparable benefits to Medicare Advantage Plans without restricting your ability to choose your healthcare providers or putting administrative restrictions on your physician for claim payments and referrals.

Medicare Advantage Plans must provide, by law, at least the same benefits (or actuarial equivalent) of Medicare. However, this can be deceptive. What this means is that they will offer you benefits based on dollar amounts only that will average what Medicare offers, though they may package the benefits differently. Packaging diffences can best be explained by taking a dollar away from you in one place and giving it back in another, which maintains the "actuarial equivalent" requirement. However, though the average payments will be similar after care has been recieved, Medicare Advantage Plans may restrict or delay you from recieving treatment at that you would choose if your insurance coverage allowed you whatever you wanted.

5) Do not purchase a Medicare Advantage Plan solely to get Prescription Drug Coverage.

If you are eligible for Medicare Advantage Plans, you are eligible for Medicare Part D plans that you can keep without giving up Medicare Parts A&B or your Medicare Supplemental (Medigap) Policy.

6) A Medicare Advantage Plan will restrict your right to choose your physicians and hospitals, even with Private Fee for Service Plans, possibly resulting in serious health consequences.

Medicare Advantage Plans only require that they offer you a certain type of healthcare. For instance, if you needed treatment for colon cancer, for instance, they would have to allow you to see physicians and hospitals who treat cancer. However, if you chose to take advantage of the increase in survival rates demonstrated by a hospital or treatment center that specializes in cancer treatements and a physician who specializes or has great experience in colon cancer, you may not be allowed to use them, or you might experience severe delays with your Medicare Advantage Plan. What's worse, if you decide to go to them and pay on your own, you will no longer have Medicare Parts A&B to fall back on. You will be responsible for 100% of all costs.

7) A Medicare Advantage Plan may choose not to renew their contract with Medicare each year in any area. If this happens, you will no longer be allowed to participate in the plan.

Medicare Supplemental Plans and Medicare, however, are guaranteed renewable for life. You can never lose coverage as long as you pay your premiums.

What's Important About Making Healthcare Decisions with Health Insurance

Remember, the reason that you have health insurance is not solely for the sake of having health insurance. Health insurance for the sake of merely having insurance is boring and expensive. Instead, you purchase insurance to ensure that, if and when health problems occur, that you will be able to recieve the best quality healthcare without regard to the costs involved. Many Seniors make the mistake of simply purchasing insurance based on the monthly cost, possibly exposing themselves to serious health risks caused by reduced access to healthcare.

Recommendations of Medigap360:

1) Ultimately it is best to stay enrolled in Medicare Parts A&B and have a comprehensive Medicare Supplemental (Medigap) policy to pay the gaps that Medicare doesn't cover.

2) If you cannot afford your Medicare Supplemental Policy, first shop around to make sure that you are paying the lowest premium possible. Enter your information above to request a Free Medigap Insurance Quote from Medigap360.

3) Even if you can afford your current Medicare Supplemental policy, it is best to shop around to make sure that you are not paying more than you have to.

4) If you still cannot afford Medicare Supplemental Insurance, do not enroll in a Medicare Advantage Plan. Instead, stay with Medicare Parts A&B. This will provide you access to choose any physician or hospital without delay. For the gaps that are left by Medicare coverage, you should be able to work out payment plans with your provider or find charitable programs to assist you . We have never heard of anybody who was not able to get the treatment that they need when they have Medicare Part A&B alone.

5) Do not take a Medicare Advantage Plan just for Prescription Drug Coverage. Talk with a qualified and licensed Medicare Supplemental Specialists about your prescription drug insurance options including Medicare Part D.

 

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There’s an age old saying: "If it sounds too good to be true it probably is." Millions of Seniors are now learning this the hard way due to Medicare Advantage Plans. Though these plans look good on the surface, they offer limited benefits when compared to comprehensive Medicare Supplemental Insurance Plans. Often these plans have as many or more limitations than Medicare alone without Medigap Insurance. Many plans restrict Seniors ability to choose their healthcare providers and put restrictive administrative regulations in the way of the doctor's ability to get their patient the best healthcare possible. Such a reduction in access to the best available healthcare possible can cause preventable or prolonged illness or complications of illness and even preventable death.

The Truth About Medicare Advantage Plans

A Medicare Advantage Plan is a private insurance plan that takes the place of Medicare based on an insurance company's contract with Medicare. There are two types of Medicare Advantage Plans: Managed Care Plans such as an HMO (Health Maintenance Organization) or PPO (Preferred Provider Organization) and Private Fee for Service Plans. To enroll in a plan you must voluntarily drop out of Medicare and sign up with the Insurance Company offering the plan. What's more, each plan can choose not to renew their contract with Medicare each year in any service area they please and, if they do so, you will be dropped from the plan. Medicare Supplemental insurance, on the other hand, is Guaranteed Renewable for life. You cannot lose your coverage for any reason as long as you pay your premiums.

What Your Medicare Advantage Agent May Not Tell You

Once you enroll in a Medicare Advantage HMO or Fee for Service plan you no longer have health coverage through Medicare. Medicare will pay the Insurance Company a pre-negotiated monthly rate as long as you are enrolled. In most cases you will also have to pay a small premium to the insurance company as well. Medicare Advantage Plans normally market these plans to you by comparing their smaller premium to the higher premium of a Medicare Supplemental Plan F (which provides 100% coverage of all Medicare approved doctor and hospital expenses.) Yet this is not an apples to apples comparison. Though the premium is less, so is the coverage. Also, many Seniors enroll in Medicare Advantage plans in order to recieve the prescription drug coverage without knowing that prescription drug coverage is available to them without restricting their access to healthcare options through Medicare Part D.

The truth is Medicare Advantage plans leave gaps in coverage even for simple doctors visits. In addition, there are often copayments for hospital visits, skilled nursing care and emergency room care where a Medicare and Medicare Supplemental plan F would cover every penny of your expenses. These gaps can wind up costing from a small amount to thousands of dollars per year based on usage.

Yet these copayments and coverage gaps are not the worst part of having a Medicare Advantage Plan. Often times people sign up for a plan because it is "Medicare Approved" without knowing they are signing up for an HMO, PPO or restrictive Fee for Service Plan. This takes away the patients’ right to choose their own doctor, hospital or specialist. They are confined to the doctors and hospitals that are in the insurance company's network.

In the case of Fee for Service Plans, there is no network to choose from but many doctors will not accept the plan because of long delays in payments and complicated claims procedures. When choosing an HMO, they are often forced to first make an appointment with their "primary care physician" to get a referral before seeing a specialist. Then, as if this unnecessary step wasn't hard enough for someone with a serious medical condition, they force the patients doctor to work with complicated administrative processes just to get their patient the care that they need.

Even then the physician has limited choices. For instance, if a cancer patient wishes to go to a cancer treatment center that boasts a lot higher success rate than local hospitals, that center may not be in the insurance company's network. Therefore the patient is forced to accept treatment at a local hospital that does not specialize in such treatment and may run a lot higher risk of dying from their disease than if they had kept their Medicare coverage and were able to go to the treatment center of their choice. What's worse, the patient has now opted out of Medicare so they can't even fall back on Medicare Coverage if they wish to choose their own treatment facility.

The bottom line is that the choice of health insurance that you make determines the type of treatment you will receive when the time comes that you need treatment. Often, making the wrong choices now could mean the difference between life and death later. When you look back on all the tax dollars that you paid over your lifetime so that you would have good health insurance during your Golden Years, why would you throw your choices away just to try to save a few dollars when the odds of you needing quality healthcare are the highest they've ever been?

Recommendations

It is the opinion of Medigap360 that no senior should give up their freedom to choose quality healthcare by giving up the Medicare Coverage they have been paying for their entire life to take a restrictive Medicare Advantage Plan. We do not say this because we are in competition with them. In fact, we get offers to sell Medicare Advantage Plans from the top insurance companies all the time but choose not to do so as we feel that these plans are ruining our nation's healthcare system for Senior Citizens.

Even if you cannot afford Medicare Supplemental Insurance, we recommend that you keep your Medicare coverage by itself and not enroll in a Medicare Advantage Plan. Traditional Medicare by itself is comparable in benefits with Medicare Advantage plans, even without a Medigap plan to Supplemental the gaps in coverage, and offers you the freedom you deserve to find the best healthcare possible when you need it.

 

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Medicare Supplemental Plan N

Featuring similar benefits to Plan D, Medicare Supplement Plan N consists of a $20 co-payment for doctor visits and a $50 co-payment for emergency room visits, which is applied once the $155 deductible is paid. The cost of these plans has premiums around 70% of the cost of Plan F or approximately 77% of current Plan D. Medicare Supplement Plan M also has similar benefits to Plan D, but only covers 50% of the Part A deductible and none of the part B deductible. Plan M is priced at around 85% of Plan F (or 92% of current Medicare Supplement Plan D.

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Medicare Supplemental Plan M

Medicare Supplement Plan M (and several others) is now available for purchase as of Jan 1, 2013.  As one of several new plans, these new plans offer attractive coverage for those willing to exchange higher out of pocket expenses for lower monthly premiums.

Medicare Supplement Plan M is a cost sharing plan. What this means is that "the insured is responsible for any additional out of pocket expenses when compared to Plan CPlan DPlan F and Plan G."  Ultimately, they work similar to Medicare Advantage coverage, however, unlike Advantage plans, there will be no network restrictions for the insured.

The freedom from having to operate within a small network of health care providers will be a distinct advantage for Plans M; you are free to visit any doctor or hospital that accepts Medicare patients! 

Plan M Highlights:

  • All Medicare Basic Benefits Fully Covered

  • No Co-Payments for Emergency Room (ER) or Office Visits

  • Cover 50% of Part A Deductible

  • Does Not Cover Part B Deductible

  • Does Not Cover Part B Excess

Part B Excess Coverage

Many states (for example Ohio and Pennsylvania) do not allow doctors to charge for Part B excess.  If you live in one of these states and plan on maintaining a residence there, then you need not worry about this benefit.  If you live in a state that does allow for these charges, then be aware that you could have higher out of pocket expenses should you choose a supplement that does not cover Part B excess.

Plan M Insurance Providers

There are several supplemental providers offering either Plan M, N, or others through independent agents.  Depending on your state and zip code of residence there will be a handful of competitive providers, including Mutual of Omaha, Assured Life, Family Life, Gerber Life, Loyal American, Anthem, United Healthcare and a few others who offer affordable coverage in several states.

 

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