Medicare Supplement Specialists
Medicare Supplement Insurance

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Medicare Supplement Plans

Medicare Supplement Insurance fills the gaps in Original Medicare. Gaps in Original Medicare include the Part A Deductible, Part B Deductible and the 20% co-insurance. Each Medicare Supplement plan fills those gaps a little differently. Plan F is considered the best plan because it fills all the gaps in Original Medicare. Plan F is also the most popular plan and the plan with the highest premium. Plan F is followed by Plan G and Plan N in popularity. The only difference between Plan F and Plan G is the Part B Deductible which Plan F covers and Plan G does not. The Part B Deductible amount in 2018 is $183. Many more seniors are now choosing Plan G over Plan F because the savings in premiums in most cases is greater the the Part B Deductible($183).

If you are becoming eligible for Medicare or if you are seeking better coverage or lower rates, Medicare Supplement Specialists can help you. Medicare Supplement Specialists consists of a small group of independent health insurance agents whose specialty is Medicare Supplement Insurance. We will provide you with quotes for any or all insurance companies that offer plans in the state that you reside in. Included in your quote will be market date - such as the number of people insured by each insurance company in your state and also nationally. Also included will be Rate Type(Attained, Issue and Community), AM Best Rating, Household Discount percentage, Policy Fees and Rate Increase History.

In 2015, Congress passed the Medicare Access and CHIP Reauthorization Act, prohibiting Medicare Supplement or Medigap plans from providing first - dollar coverage to those who become eligible for Medicare after January 1, 2020. As a result, Plans C and F, which cover the Part B Deductible, will no longer be offered to new enrollees in 2020.

Plan D and Plan G will be the next logical options for beneficiaries who might have been interested in Plan C or Plan F, respectively. Plan D offers the same protection as Plan C except for covering the Part B Deductible. Similarly, Plan G mirrors Plan F, except for coverage of the Part B Deductible.

In 2010, 53% of all beneficiaries enrolled in a Medicare Supplement plan had either Plan F or Plan G, according to the Kaiser Family Foundation. With the upcoming changes, you can expect Plans D and G to become the most popular choices after 2020.

You can enroll in a Medicare Supplement plan at any time during the year. I speak to many Medicare recipients during the Annual Enrollment Period for Medicare Advantage and Medicare Part D plans who are not aware of this. So, if your current plan is increasing their rates and you need to look for a lower premium, you can shop for another plan throughout the year.

The best time to enroll in a Medigap plan is when you first become eligible for Medicare Part B or when you turn 65 years of age. You have a 6 month period in which you are not subject to the health questions and can't be denied coverage due to health reasons. Also, if you have Guaranteed Issue rights, you will not be subject to health questions. Some examples of Guaranteed Issue are: if you lose Employer Group health insurance or if you have a Medicare Advantage plan and move out of the plan's service area.

Medicare Supplement Specialists will compare the plans for you. We will find you a plan with rates that fit your budget with a highly rated insurance company that won't drastically raise your rates each year.

We are contracted with many insurance companies. We work for you and we will try to do what's best for you.

As your agent, Medicare Supplement Specialists will always be available to you if you have questions about Medicare Supplement Insurance, Medicare Part D Plans, Medicare Advantage Plans and Original Medicare.

Please call us at 954-384-8647 to obtain rates or enroll in a Medicare Supplement Insurance Plan, to request an application, or any question that you may have. To view the insurance companies that we work with in your area, please click on your resident state below. We are here to serve you and we would be delighted to hear from you. You can also email us at quotes@medicaresupplementspecialists.com and we will respond promptly to your inquiry.

 

 

Medicare Supplement Insurers
 
 
 

 

Click on your state to view the insurance companies we're contracted with in your area.

Medicare Supplement Plans by State
Alabama Idaho Maine Nevada Oklahoma Texas
Arizona Illinois Maryland New Hampshire Oregon Utah
Arkansas Indiana Michigan New Jersey Pennsylvania Vermont
California Iowa Mississippi New York Rhode Island Virginia
Colorado Kansas Missouri North Carolina South Carolina Washington
Florida Kentucky Montana North Dakota South Dakota West Virginia
Georgia Louisiana Nebraska Ohio Tennessee Wyoming

 

 

 

Site Map

Plan A | Plan B | Plan C | Plan D | Plan F | Plan High Deductible F | Plan G | Plan K | Plan L | Plan M | Plan N

 

Medicare Supplement Specialists is not connected with or endorsed by the United States Government or the federal Medicare program. Copyright (c) 2018. medicaresupplementspecialists.com. All rights reserved.