Dear Website Viewer,
You most likely have found this website because you are looking for a Medicare supplement quote. Whether you are on Medicare now or will be soon or are helping someone else that needs insurance, this site will help you find the right Medicare insurance for you, while providing you with all the facts of Medicare and giving you real examples of persons who we have helped with their Medicare insurance needs. Some of these examples will mirror the position you find yourself in today, and will give you some ideas on what route you would like to take on addressing your Medicare insurance needs. If you have question at any time please call 877-561-9378 to get professional advice on your particular situation. There is no charge for the services we provide. You will not pay a penny more for the insurance product you choose by using an insurance professional, and in fact, you will receive the very best customer service. Please read on.
We will start with individuals that will be coming onto Medicare soon. Will you be turning 65 soon? If you worked more than 10 years in the United States, you will automatically be enrolled in Medicare Part A. If you are drawing a Social Security check, you will automatically be enrolled in Medicare Part B and start receiving a premium withdrawal for Part B, out of your Social Security check - that amount is $110 for 2010. You will receive a letter from the Social Security office that allows you to opt out of Part B if you choose. If you are not drawing a Social Security check, you will have to notify the Social Security office, that you would like to enroll in Medicare Part B. The only reason you may not want to enroll in Medicare Part B, is if you are currently employed and are enrolled in a group health plan. Please view the graph below, that displays the benefits of each type of Medicare supplement.
Medicare supplements, sometimes referred to as medigap policies, help to pay for some or all of the gaps in Medicare. You will notice that a Plan A does not cover as many gaps as a Plan F (plan F covers all the gaps in Medicare); therefore a Plan A supplement will cost less than a Plan F. It is very important to note that Medicare supplements are standardized from company to company. For example, AARP's Plan F is identical in coverage to Mutual of Omaha's Plan F or any other company for that matter. Not only are the benefits standardized, but so are the way benefits are paid and even the provider network. As long as your provider or facility accepts Medicare, they must accept your supplement regardless of the company. The buying process of a Medicare supplement is much simpler when you understand that all supplements are standardized.
Once a person is educated on these facts, they will become aware that premium is the primary deciding factor. Lets us our previous example: AARP's Plan F is $190 per month while Mutual of Omaha's Plan F is only $120 per month - which would you choose? The old adage, "you get what you pay for" is not true with Medicare supplements. In many cases it is best to go with the company that offers the best rate. This fact is important to remember, because in the future, you will incur rate increases to your Medicare supplement policy. By contacting us, we can find you another company that offers the identical plan you have for less premium. It is important to know that you can change your Medicare supplement at any time of the year. Let me state this again: your Medicare supplement is good at any doctor or facility in the United States, as long as that doctor or facility accepts Medicare. If a person chooses a Plan F they will find that they never pay for any medical bills (excluding drugs). With a Plan F, you will never have a co-pay at the doctors office, the hospital, the outpatient clinic, etc. The only facilities you can incur bills at will be a dentist office, or an ophthalmologist (eye doctor). This is because Medicare (and the supplement) pay for all medically necessary procedures. Unfortunately, most dental and eye services are not seen as "medically necessary." Medicare does cover cataracts (and the first pair of frames and lenses) and certain "medically necessary" dental services. There are plans that (in many cases) we can make available to our clients, that will cover dental and vision services. The only other plan an individual may need after they enroll in a Medicare supplement, is a Medicare Drug Plan. That is our next topic.
Medicare Drug Plans come in 3 varieties. You have a basic, enhanced, and complete. When looking for the best drug plan, it is helpful to use the "drug plan comparison" on the Medicare website. Click here to go there now. We can do this for you if you would like as this is a service we provide. Call us toll free @ 877-561-9378 or click the "get a quote" tab and we can help. By using this tool, you can find a plan that gives you the best rate while providing the best coverage for the medications you take. You should be able to find a plan for less than $30 per month. Drug plans are "guaranteed issue", meaning you can not be declined for any health related reason. You can change your drug plan during the "annual election period" from November 15th - December 31st.
Medicare Advantage Plans are plans that take the place of Medicare Part's A and B, although you are still required to pay your Medicare Part B premium. These plans normally have a much lower premium than that of a Medicare supplement. These plans have co-pays for most all health care services. These plans are similar to Medicare Parts A and B and are legally required to provide "as good or better" benefits than that of Medicare Part's A and B. These plans do provide better benefits in most cases but the argument can be made that in many other cases they provide less benefits. These plans range in benefits, depending on company, and your geographical location. It is possible that you could live in an area where some of these plans are available at a $0 premium (you are still required to pay the Medicare Part B premium). Before making a decision to go with one of these type plans, be sure you know all the facts. Advantage Plans can be very confusing and complex. You should have a professional help you in the process. Call us today @ 877-561-9378, to get sound advice about the plans available in your area and which one is right for you.
Definition of Medicare - The United States government's program for: Senior citizens (65 years of age and older), certain younger persons with disabilities, and persons diagnosed with "End Stage Renal Disease;" permanent kidney failure requiring dialysis or a transplant..
Medicare consists of 4 parts: Medicare Part A, Part B, Part C, and Part D. Don't confuse these with the supplements that use the same letters to describe their plans. Remember, Medicare is "Part" A, B, C, and D and supplements are referred to as "Plan" A,B,C, D, etc.
Medicare Part A is the part of Medicare that covers hospice care, home health care, skilled nursing facilities, and inpatient hospital stays.
Medicare Part B is the part of Medicare that covers doctor's services, outpatient hospital care, and other medical services that Part A doesn't cover such as physical and occupational therapy. Other examples include X-rays, medical equipment or limited ambulance service.
Medicare Part C is the part of Medicare that, if a person elects to participate in and is eligible for Part A and B, takes the place of Medicare Part A and B. Certain insurance companies have contracts with the Federal Government to provide "as good or better coverage than Medicare Part's A and B. When a person chooses to participate in Medicare Part C and elects to have a Medicare "Advantage Plan", Medicare no longer is responsible for paying for that members claims. The insurance companies that participate in these types of plans, receive a subsidy from the Federal Government. There are several types of Medicare Advantage Plans including PPO's, HMO's, Medical Savings Accounts, and PFFS (private fee for service).
Medicare Part D is a federal program to subsidize the costs of prescription drugs for Medicare beneficiaries in the United States that was enacted as part of the Medicare Prescription Drug, Improvement, and Modernization Act of 2003 (MMA) and went into effect on January 1, 2006.
You most likely have found this website because you are looking for a Medicare supplement quote. Whether you are on Medicare now or will be soon or are helping someone else that needs insurance, this site will help you find the right Medicare insurance for you, while providing you with all the facts of Medicare and giving you real examples of persons who we have helped with their Medicare insurance needs. Some of these examples will mirror the position you find yourself in today, and will give you some ideas on what route you would like to take on addressing your Medicare insurance needs. If you have question at any time please call 877-561-9378 to get professional advice on your particular situation. There is no charge for the services we provide. You will not pay a penny more for the insurance product you choose by using an insurance professional, and in fact, you will receive the very best customer service. Please read on.
We will start with individuals that will be coming onto Medicare soon. Will you be turning 65 soon? If you worked more than 10 years in the United States, you will automatically be enrolled in Medicare Part A. If you are drawing a Social Security check, you will automatically be enrolled in Medicare Part B and start receiving a premium withdrawal for Part B, out of your Social Security check - that amount is $110 for 2010. You will receive a letter from the Social Security office that allows you to opt out of Part B if you choose. If you are not drawing a Social Security check, you will have to notify the Social Security office, that you would like to enroll in Medicare Part B. The only reason you may not want to enroll in Medicare Part B, is if you are currently employed and are enrolled in a group health plan. Please view the graph below, that displays the benefits of each type of Medicare supplement.
Medicare supplements, sometimes referred to as medigap policies, help to pay for some or all of the gaps in Medicare. You will notice that a Plan A does not cover as many gaps as a Plan F (plan F covers all the gaps in Medicare); therefore a Plan A supplement will cost less than a Plan F. It is very important to note that Medicare supplements are standardized from company to company. For example, AARP's Plan F is identical in coverage to Mutual of Omaha's Plan F or any other company for that matter. Not only are the benefits standardized, but so are the way benefits are paid and even the provider network. As long as your provider or facility accepts Medicare, they must accept your supplement regardless of the company. The buying process of a Medicare supplement is much simpler when you understand that all supplements are standardized.
Once a person is educated on these facts, they will become aware that premium is the primary deciding factor. Lets us our previous example: AARP's Plan F is $190 per month while Mutual of Omaha's Plan F is only $120 per month - which would you choose? The old adage, "you get what you pay for" is not true with Medicare supplements. In many cases it is best to go with the company that offers the best rate. This fact is important to remember, because in the future, you will incur rate increases to your Medicare supplement policy. By contacting us, we can find you another company that offers the identical plan you have for less premium. It is important to know that you can change your Medicare supplement at any time of the year. Let me state this again: your Medicare supplement is good at any doctor or facility in the United States, as long as that doctor or facility accepts Medicare. If a person chooses a Plan F they will find that they never pay for any medical bills (excluding drugs). With a Plan F, you will never have a co-pay at the doctors office, the hospital, the outpatient clinic, etc. The only facilities you can incur bills at will be a dentist office, or an ophthalmologist (eye doctor). This is because Medicare (and the supplement) pay for all medically necessary procedures. Unfortunately, most dental and eye services are not seen as "medically necessary." Medicare does cover cataracts (and the first pair of frames and lenses) and certain "medically necessary" dental services. There are plans that (in many cases) we can make available to our clients, that will cover dental and vision services. The only other plan an individual may need after they enroll in a Medicare supplement, is a Medicare Drug Plan. That is our next topic.
Medicare Drug Plans come in 3 varieties. You have a basic, enhanced, and complete. When looking for the best drug plan, it is helpful to use the "drug plan comparison" on the Medicare website. Click here to go there now. We can do this for you if you would like as this is a service we provide. Call us toll free @ 877-561-9378 or click the "get a quote" tab and we can help. By using this tool, you can find a plan that gives you the best rate while providing the best coverage for the medications you take. You should be able to find a plan for less than $30 per month. Drug plans are "guaranteed issue", meaning you can not be declined for any health related reason. You can change your drug plan during the "annual election period" from November 15th - December 31st.
Medicare Advantage Plans are plans that take the place of Medicare Part's A and B, although you are still required to pay your Medicare Part B premium. These plans normally have a much lower premium than that of a Medicare supplement. These plans have co-pays for most all health care services. These plans are similar to Medicare Parts A and B and are legally required to provide "as good or better" benefits than that of Medicare Part's A and B. These plans do provide better benefits in most cases but the argument can be made that in many other cases they provide less benefits. These plans range in benefits, depending on company, and your geographical location. It is possible that you could live in an area where some of these plans are available at a $0 premium (you are still required to pay the Medicare Part B premium). Before making a decision to go with one of these type plans, be sure you know all the facts. Advantage Plans can be very confusing and complex. You should have a professional help you in the process. Call us today @ 877-561-9378, to get sound advice about the plans available in your area and which one is right for you.
Definition of Medicare - The United States government's program for: Senior citizens (65 years of age and older), certain younger persons with disabilities, and persons diagnosed with "End Stage Renal Disease;" permanent kidney failure requiring dialysis or a transplant..
Medicare consists of 4 parts: Medicare Part A, Part B, Part C, and Part D. Don't confuse these with the supplements that use the same letters to describe their plans. Remember, Medicare is "Part" A, B, C, and D and supplements are referred to as "Plan" A,B,C, D, etc.
Medicare Part A is the part of Medicare that covers hospice care, home health care, skilled nursing facilities, and inpatient hospital stays.
Medicare Part B is the part of Medicare that covers doctor's services, outpatient hospital care, and other medical services that Part A doesn't cover such as physical and occupational therapy. Other examples include X-rays, medical equipment or limited ambulance service.
Medicare Part C is the part of Medicare that, if a person elects to participate in and is eligible for Part A and B, takes the place of Medicare Part A and B. Certain insurance companies have contracts with the Federal Government to provide "as good or better coverage than Medicare Part's A and B. When a person chooses to participate in Medicare Part C and elects to have a Medicare "Advantage Plan", Medicare no longer is responsible for paying for that members claims. The insurance companies that participate in these types of plans, receive a subsidy from the Federal Government. There are several types of Medicare Advantage Plans including PPO's, HMO's, Medical Savings Accounts, and PFFS (private fee for service).
Medicare Part D is a federal program to subsidize the costs of prescription drugs for Medicare beneficiaries in the United States that was enacted as part of the Medicare Prescription Drug, Improvement, and Modernization Act of 2003 (MMA) and went into effect on January 1, 2006.
Not affiliated with United States Government or Departments of Insurance
States Represented:
Alabama Medicare Supplement | Alaska Medicare Supplement | Arizona Medicare Supplement Arkansas Medicare Supplement
California Medicare Supplement | Colorado Medicare Supplement Connecticut Medicare Supplement | Delaware Medicare Supplement
Florida Medicare Supplement Georgia Medicare Supplement | Hawaii Medicare Supplement | Idaho Medicare Supplement
Illinois Medicare Supplement | Indiana Medicare Supplement | Iowa Medicare Supplement
Kansas Medicare Supplement | Kentucky Medicare Supplement | Louisiana Medicare Supplement Maine Medicare Supplement
Maryland Medicare Supplement | Massachusetts Medicare Supplement | Michigan Medicare Supplement | Minnesota Medicare Supplement Mississippi Medicare Supplement | Missouri Medicare Supplement | Montana Medicare Supplement | Nebraska Medicare Supplement
Nevada Medicare Supplement | New Hampshire Medicare Supplement | New Jersey Medicare Supplement | New Mexico Medicare Supplement New York Medicare Supplement | North Carolina Medicare Supplement | North Dakota Medicare Supplement | Ohio Medicare Supplement Oklahoma Medicare Supplement | Oregon Medicare Supplement | Pennsylvania Medicare Supplement | Rhode Island Medicare Supplement
South Carolina Medicare Supplement | South Dakota Medicare Supplement | Tennessee Medicare Supplement | Texas Medicare Supplement
Utah Medicare Supplement | Vermont Medicare Supplement | Virginia Medicare Supplement | Washington Medicare Supplement
West Virginia Medicare Supplement | Wisconsin Medicare Supplement | Wyoming Medicare Supplement
Alabama Medicare Supplement | Alaska Medicare Supplement | Arizona Medicare Supplement Arkansas Medicare Supplement
California Medicare Supplement | Colorado Medicare Supplement Connecticut Medicare Supplement | Delaware Medicare Supplement
Florida Medicare Supplement Georgia Medicare Supplement | Hawaii Medicare Supplement | Idaho Medicare Supplement
Illinois Medicare Supplement | Indiana Medicare Supplement | Iowa Medicare Supplement
Kansas Medicare Supplement | Kentucky Medicare Supplement | Louisiana Medicare Supplement Maine Medicare Supplement
Maryland Medicare Supplement | Massachusetts Medicare Supplement | Michigan Medicare Supplement | Minnesota Medicare Supplement Mississippi Medicare Supplement | Missouri Medicare Supplement | Montana Medicare Supplement | Nebraska Medicare Supplement
Nevada Medicare Supplement | New Hampshire Medicare Supplement | New Jersey Medicare Supplement | New Mexico Medicare Supplement New York Medicare Supplement | North Carolina Medicare Supplement | North Dakota Medicare Supplement | Ohio Medicare Supplement Oklahoma Medicare Supplement | Oregon Medicare Supplement | Pennsylvania Medicare Supplement | Rhode Island Medicare Supplement
South Carolina Medicare Supplement | South Dakota Medicare Supplement | Tennessee Medicare Supplement | Texas Medicare Supplement
Utah Medicare Supplement | Vermont Medicare Supplement | Virginia Medicare Supplement | Washington Medicare Supplement
West Virginia Medicare Supplement | Wisconsin Medicare Supplement | Wyoming Medicare Supplement
Medigap Insurance
Medicare Drug Plans
Medicare Supplements
Medicare Advantage Plans
Definitions
What are the gaps in Medicare? Click here to view a printable graph that shows all the gaps in Medicare Part A and B.
What gaps do Medicare supplements pay for? Click here to view a user friendly/easy to understand graph, that will illustrate the gaps in Medicare, and which supplements pay those gaps.
What gaps do Medicare supplements pay for? Click here to view a user friendly/easy to understand graph, that will illustrate the gaps in Medicare, and which supplements pay those gaps.
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If you are looking for a Medicare supplement, you have found the place. We have made our site very user friendly with an abundance of information so you can educate yourself about Medicare, Medicare supplements, and other Medicare insurance products. If at any time, you need assistance, you can call us toll free at 877-561-9378 and speak with a real person directly.
Scroll down the page to find an abundance of educational and helpful information regarding Medicare and Medicare insurance products.
Scroll down the page to find an abundance of educational and helpful information regarding Medicare and Medicare insurance products.
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You can change a Medicare
Supplement at any time of the year.
You can change a Medicare
Supplement at any time of the year.
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Medicare Supplements:
AARP Medicare Supplement | Admiral Medicare Supplement
Assured Life Medicare Supplement | BCBS Medicare Supplement
Family Life Medicare Supplement | Gerber Medicare Supplement
Heartland National Medicare Supplement | Humana Medicare Supplement
Mutual of Omaha Medicare Supplement | National States Medicare Supplement
United Health Care Medicare Supplement | United of Omaha Medicare Supplement
United World Medicare Supplement | Woodmen of The World Medicare Supplement
AARP Medicare Supplement | Admiral Medicare Supplement
Assured Life Medicare Supplement | BCBS Medicare Supplement
Family Life Medicare Supplement | Gerber Medicare Supplement
Heartland National Medicare Supplement | Humana Medicare Supplement
Mutual of Omaha Medicare Supplement | National States Medicare Supplement
United Health Care Medicare Supplement | United of Omaha Medicare Supplement
United World Medicare Supplement | Woodmen of The World Medicare Supplement
Medicare Supplement Companies Represented:
*AARP
*Admiral
*BCBS
*Family Life
*Gerber Life
*Heartland National
*Humana
*Mutual of Omaha
*National States
*Sentinel Security Life
*UnitedHealth Care
*United of Omaha
*United World
*Woodmen of the World
*Admiral
*BCBS
*Family Life
*Gerber Life
*Heartland National
*Humana
*Mutual of Omaha
*National States
*Sentinel Security Life
*UnitedHealth Care
*United of Omaha
*United World
*Woodmen of the World
