Category Archives: Medigap

Medigap Plans and Obamacare – Will They Last?

This year is certainly one of many changes in this country, and none are more significant than what’s going on with our health care system. Many seniors are very concerned about what Obamacare will do to Medicare Supplemental insurance. This new health care system will affect many people, but thankfully not those with a Medicare Supplement.

Medicare Advantage Plans Might Suffer

Seniors are seeking alternatives to their existing Medicare Advantage plans. Medicare Advantage plans are private insurance entities. The corporation has an established agreement between Medicare and its beneficiaries in regards to what services should and should not be rendered under the contract. As a result, Medicare can only provide patients with certain services like HMO’s (health maintenance organizations), private fee for service plans, medical saving plans, special needs plans, and PPO’s (preferred provider organizations). It also covers all enrolled recipients as well as provides most of its enrollees with a prescription drug plan.

The elderly depend on Medicare for health benefits. The Obama Care plan could drastically affect the type as well as the quality of care seniors receives. A plan, meant to drive down cost, could do the complete opposite. Individuals under the MA Plan are afraid they will be smacked with a lot of out-of-pocket expenses.


Obamacare and Medigap

At this time there is nothing in Obamacare that will negatively affect seniors with Medigap insurance. While there have been talks of changing deductibles or premiums of original Medicare up to now this has all be speculation. People on original Medicare with a Medigap policy have nothing to worry about with Obamacare at this time.


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Seniors on Medicaid

According Actuary prediction, nine years down the road Medicare physician will be paid less than Medicaid providers. Today, Medicaid patients find it hard to locate service providers. Due to Medicaid provider shortage, many desperate parents line the walls of urgent care facilities, hospitals and even community based clinics. Years down the road, seniors might be in the same predicament under the Obama Care plan.

The original Medicare plan consisted of two parts Part A (hospital insurance) and B (medical insurance). Under Part A, most receivers do not pay monthly premiums because their spouse paid Medicare taxes while employed. Part B provided coverage to services not covered under part A (occupational therapists, some healthcare and physical therapists). Part B takes care of medically necessary supplies, services and some preventive services. This plan has a monthly premium. The original plan is superior because the recipients know exactly what they were entitled.

So although Medigap insurance will not be affected by Obamacare, that’s no reason to pay more than you need to. Remember each carrier has the exact same plans and benefits, yet their rates are entirely different. Use this website to get instant quotes from the top carriers in your area.

Which Company Has the Lowest Medicare Supplement Insurance Rates?

When purchasing insurance there are many variables and factors that one needs to take into consideration.  What does the plan cover?  Are their deductibles and co-pays?  And often the most important question….  How much will it cost?  Finding the lowest Medicare supplement insurance rates is not as easy as it might seem, however there is a process you can take to ensure that you will pay the lowest rates.

Choosing a Medigap Policy 2013As you may have read in Medicare’s publication “Choosing a Medigap policy” Medicare supplements are rated in three different ways.  These are community rated, attained age rated, and the Issue-age rated.  While it is difficult to state which of the three always have the lowest rates, attained age rated policies typically to come in at the lowest premiums.

That being said not only should you check the premiums from all of the top companies when you are first enrolling in a Medicare supplement plan, but you or your agent must check rates each year.  This is due to the fact that you will be likely getting annual rate increases and other carriers might have more competitive rates as the years go on.

Medigap Insurance carriers use a set formula to determine what the rate increases will be each year.  These increases are based on the amount of premiums coming in as well as the amount of claims being paid out of the group.  Your own premiums will never be increased based on your personal health claims, nor can your policy ever be taken away from you based on those claims.  The only way you can lose your policy and it will not be renewed is if you do not pay your premiums on time.

The best way to find the lowest Medicare supplement insurance rates is to use our free quote engine on this website.  Because not all carriers allow us to post the rates it is also a good idea that you speak with one of our agents who can show you every option available to you for the plan that you desire.

This is absolutely the best way to shop for Medicare supplements due to the fact that every company has the exact same coverage.  Their premiums however, are not the same in fact may vary greatly.  Add to that the fact that they all have rate increases each year and it makes finding the lowest rates a bit more complex.

Because a cost nothing to have an experienced, independent, agent to help you in your search it is An Agent can help you find the lowest Medicare Supplement insurance ratesadvisable that you take advantage of this.  Make sure they cover all of the options available and show you the rates from each company for the plan letter that you are interested in.  As well you should inquire about past rate increases and the financial rating of the company.  Then you may ask your agent what they will do to ensure that you stay with the lowest premiums available as the years go on.

Using the steps above you can ensure that you will always remain in the lowest Medicare supplement insurance rates that you qualify for.  To get instant quotes on plans in your area simply enter your zip code below.

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2015 Medigap Plans

Medigap Plans in 2015

Now that 2015 is here and many changes are happening in the Healthcare System in this country, one question that is being asked quite often is whether the 2015 Medigap Plans will change.  Not only will they not change, but the last major changes in any Medicare Supplements took place in 2010.  During this time period, Medicare eliminated plans E, H, I, and J and brought into new plans which were plans N and M.

Many people also think that their premiums will change due to a new calendar year. This also is not the case as different companies have various a rate increases at different times throughout the year.  There are however, many people who might want to change plans during the open enrollment period of 2014.  This time period lasts for October 15 through December 7, 2014.  It common misconception is that people must wait until this time to change their supplement plan.  Medicare supplement policies may be changed any time throughout the year, not just that during the open enrollment period.

Available Plans

As within the past two years, Medicare supplement plan F and plan G will likely remain the two most popular plans for 2015.  Plan F of course offers 100% coverage of the gaps in Medicare, and plan G is nearly identical with you having to simply pay the part B deductible yourself first out-of-pocket.

Medigap plan G is seeing a large rise in popularity due to the fact that it has lower premiums than plan F with only one small out-of-pocket deductible.  By paying this Part B deductible yourself you can save money, especially if you are close to the age of 70 and above.  Another fact about plan G that many people do not realize is that the rate increases each year are less than those of plan F.  This is primarily due to the fact that anyone on a plan F can receive what is called first-dollar coverage with their policy.  This means they can go to the emergency room for any little thing and not have to pay any co-payments or deductibles before their coverage kicks in.

On a plan G, or even a plan N, the policy holder must first pay the part B deductible prior to receiving any benefit from Medicare. This typically results in a more responsible group who knows that it will only use their coverage if they need to. In turn this results in lower claims being paid out, as well as lower rate increases each year.

Enrollment in to Medigap Plans in 2015

For those wishing to return to original Medicare coming from a Medicare advantage plan, they must wait until October 15th to do so.  At this time they may also submit an application for a Medicare supplement plan of their choice in which coverage will begin January 1st.  Beneficiaries will have the option of enrolling in any Medigap plan that they choose, however approval is subject to medical underwriting by the company, unless they are in a guaranteed issue period.

Changing Plans

As mentioned above anyone wishing to change Medigap plans in 2015 could have done so at anytime throughout the year and did not have to wait until the enrollment period.  This is because Medicare supplement plans are a month to month policy and do not rely on a calendar year. To view quotes instantly online simply enter your zip code below and see if there are better options available for you starting today!


What is Medigap Plan F?

Since the inception of Medicare, Medigap plans at help seniors save a great deal of money on their medical bills covering the gaps in Medicare part a and part B.  While there have been many changes in Medigap plans over the years, one plan has remained one of the most popular and a favorite amongst beneficiaries.  Medigap plan F is the most comprehensive plan offered by Medicare.  This plan covers 100% of any co-pays, deductibles, and it pays also 100% of the coinsurance that Medicare part A and B do not cover.

It is by far the most popular plan and several different insurance carriers offer this coverage.  This does not mean you should not look at other plans as there are a few others that have outstanding benefits with lower premiums than plan F.  However with these lower premiums comes cost-sharing options, meaning that you must pay either co-pays or deductibles to get these lower premiums with these plans.

Let’s take a quick look at what exactly Medigap plan F does come over, and then we will compare some other options to help you choose which coverage is best for you.

Medigap plan F

This plan pays the part a deductible the part B deductible, as well as coinsurance for both part a and part B.  The easiest way to consider what plan F actually is, would be to simply look at it as 100% coverage.  This means you can visit any Dr. or specialist in the United States provided they simply accepts Medicare and you will never receive a medical bill for all Medicare-approved expenses.

So while this is the best coverage, it also has the highest monthly premium.  A very important consideration when shopping for Medigap plan F is that while most insurance carriers offer this plan, they all have the same benefits.  This is because the plan is standardized by the governments, meaning that each carrier must offer the same benefits within each plan letter.  Therefore, a Medigap plan F from AARP, is identical to a plan F from AFLAC.  Their premiums however, can vary dramatically.  This is why it it is extremely important to shop all of the rates from the top carriers in your area using this website.

Are There Other Options?

Some other plans to consider might be a plan G or a plan N.  These plans are similar to F in the fact that they cover the 20%, however prior to Medicare paying anything you must pay the annual part B deductible yourself.  With plan G after this deductible is met the plan pays everything 100% with no other out-of-pocket expenses.  On plan N there are additional cost-sharing expenses that you must pay such as copays and part B excess charges if applicable.

Many people do not wish to pay any other additional expenses and simply want all of their medical bills paid in full.  Because a Medigap plan F pays all deductibles and coinsurance this would be the best option.

To get instant quotes for Medigap plan F in your area simply enter your zip code below.

Why Medicare Supplement Plan N is a Great Choice

Medicare supplement Plan N is gaining in popularity with many and for good reason. Medicare Plan N covers Medicare Part A—its deductible, coinsurance, Hospice care coinsurance or copayment, the charge for the first three pints of blood and skilled nursing facility care coinsurance. When it comes to Part B, it covers the coinsurance.

However, it does not cover Medicare part B and its annual deductible of $140 or excess charges above the “Medicare approved amount for Medicare part B.”
It is important to note that some are skeptical about choosing Medicare N and go with Medicare supplement plan F or G. However, even though there is less coverage, the premiums are lower. The main advantage with this plan is that it covers the biggest healthcare liabilities that face many of us with health care such as with hospice, hospitals and skilled nursing care. This plan offers more flexibility and freedom than most Advantage plan and in some cases it has lower premiums than some Advantage plans.

Medicare Supplement Plan N has other benefits such as foreign travel emergency and premiums are less than other supplements. If you choose this plan, you will be responsible for:

“• The Part B deductible – currently $147 annually
• Up to a $20 co-pay for a doctors visit
• Up to a $50 co-pay for an emergency room visit”

In addition, unlike most Advantage plans, you have standardized benefits from one company to the next and “are readily accepted by medical providers. It is important to note that you will have few out-of-pocket expenses; except for small co-pays for doctor and ER visits. The Medicare Supplement Plan N is not an annual plan and that means you will not have to re-enroll.

To conclude, this plan can be quite helpful; especially if your health is good and you like flexibility and fewer out-of-pocket expenses. To Get instant rates on Medicare Supplement Plan N and compare plans online enter your zip code below now.

Compare Medigap Plan F Rates vs. Plan G

For anyone who has done even a little bit of research into Medigap plans you have likely learned that it can sometimes be information overload. Whether you’re choosing a plan for yourself or a loved one, be sure to at least leave yourself enough time to decipher all the information you’re getting and make sure you have access to all of your options. Many people simply want the very best supplemental coverage available, however when it comes to Medigap Plan F rates can vary widely between the top companies.

Is There a Better Choice Than Plan F?

With over 10 different Medicare supplement plans, it’s no wonder at first glance most people get confused. After all, you’re probably still trying to comprehend learning the various “parts” of Medicare and the ABC’s of that. Well don’t feel bad, but do keep reading to learn more. We break it down easily for you to understand, and of course you can always call us for free consultations.

Offering 100 percent coverage of the expenses that Medicare Part A and Part B do not cover, Medicare Plan F truly is an outstanding and popular choice among those who are eligible. While many people simply stop there knowing they have the best, others (Particularly those on a fixed income) need to perhaps check other plans that might not offer full benefits and coverage but do have a lower monthly premium. Also, for healthy people regardless of their income a plan with less benefits and more out-of-pocket costs should they use the coverage might seem more attractive and be a better option.

Medicare Supplement Plan G has quickly become one of the most popular plans over the years and for very good reason. Plan G is also offered by several companies in many states and is nearly identical to Plan F. The only difference is if you have a Plan G, you must pay the annual Part B deductible yourself before Medicare and the supplemental plan will begin paying. In 2013 this deductible is $147.

Do The Math – It Could Be Worth It!

So now you know the difference between Plan F and G, and the question you should be asking yourself is “Which one fits my needs best?”
Are you the type of person who never wants to see a medical bill, not even a co-pay or deductible? Then Plan F is the best choice. Are you healthy and rarely visit your doctor, but want great coverage yet want to save money? Plan G just might be your best option.

Let’s take a look at an example. We’ll say Company “A” offers a Plan F in your zip code at age 65 for $155 per month. Easy to budget and you’ll receive no other medical bills for all approved expenses. Company “A” however, also offers a Plan G at a rate of $125 per month. Keep in mind the only difference between the two plans is on Plan G you’ll have to pay the $147 deductible before getting coverage, then it’s 100 percent after that on approved expenses.

The Medigap Plan F rates are $155, minus the Plan G premium of $125 equals a savings of $30 per month on Plan G, or $360 per year less in premiums. Now, we still need to subtract out that deductible you’ll have to pay with Plan G which is the $147. So we take the $360 per year savings minus that deductible leaving us with $213.
This means that by simply paying the annual Part B deductible yourself you would save $213 per year by going with Plan G in the example above. To put it another way, you would be paying Company “A” a $213 “service type fee” on Plan F for them to pay the deductible for you, with your money!

The difference in premiums between the two plans varies based on age, gender, and zip code. Those approaching age 70 and beyond will find a much greater savings than people age 65 typically, and many couples who have switched came off Plan F and switched companies have sometimes saved over $1000 per year.

We offer free quotes and No-Obligation consultations for our clients. We can easily show you all of the Medigap Plan F rates in your area as well as Plan G. Then we’ll let you decide which plan fits your needs best.

Medicare Plan N Just Could Be Your Best Choice For a Medigap Plan

By now you’ve most likely read just about everything there is to read regarding Medicare Part A, B, C, D…etc. It’s enough to drive you crazy, but there truly is a method to the madness of it all. It simply takes breaking down the framework of it all in your mind, starting with the basics then moving to the add-on coverage. When it comes to paying the Part A deductible and Part B coinsurance Medicare Plan N is often overlooked, however this could just be the best Medigap Plan ever created.

But I heard Medicare Plan F Was Best?

Without question no one will argue that Medicare Supplement plan F offers “the most comprehensive coverage.” This is all fine and dandy, but “comprehensive always seems to come with a price. Now, if you’re the type of person where budget is no concern and you simply want every medical bill paid then by all means go with Plan F.

But with all the options available you owe it to yourself to check the benefits of every plan. This is because you and your situation is entirely different than everyone else. As is your budget, your health condition, your wants and your needs when it comes to your medical health insurance.

Why Plan N? Don’t I Have to Pay Extra Something For it?

The first step in determining which Medigap plan is best for you is to stop, read, and comprehend. Listen to what your independent agent is offering, compare it to your own current situation, then make a decision based on your own conclusions. Find out if you can switch later (you likely can, but get details) and how much the plan will cost from each company.

That being said, Medicare Plan N has lower monthly premiums than both Plan F and Plan G. The reason is there are some out-of-pocket expenses that you must pay along with having the plan. Let’s cover those now:

With Medigap Plan N You Must:


  • Pay the $147 (2013 cost) annual part B deductible each calendar year prior to Medicare and your plan N paying anything (Just like Plan G)
  • After you pay this deductible, you might have up to a $20 co-pay per doctor’s visit. You might have NO co-pay, you might have a $5 co-pay, but your co-pay will never be more than $20 per visit. This is because your co-pay depends on what Medicare will pay for your visit.
  • If you visit the Emergency room with Plan N, but do not get admitted, you will have to pay a $50 co-pay. This helps keep those with the sniffles from visiting the Emergency room because it will cost them.
  • Plan N does not pay Medicare Part B excess charges. Over 90% of doctor’s in this country do not charge these and if they are charged it is typically minimal.

But Is It Right For Me?

Working with your agent you both can determine whether Plan N is best for you or not. If you are healthy, rarely see your doctor, yet still wish to have outstanding coverage to supplement Medicare insurance than you absolutely should consider Medicare Plan N as an option to save the most money yet still pay coinsurance and the Part A deductible.

To get quotes on Plan N simply enter your zip code below to compare rates from top carriers.

Medigap Plan N Can Offer Great Savings

For those on Medicare and wishing obtain a Medigap policy, there are several plans available that you have to choose from. In fact Medicare now offers 10 plans in total that you can pick from, each with slightly different benefits. So how exactly do you choose the right plan? Well, there are three plans in particular that offer outstanding benefits for relatively low premiums (if you shop correctly for them) and these three are by far the most popular of all the plans offered. These are Medicare Supplement Plan F and Plan G, as well as relatively new one called Medigap Plan N.

Medicare Supplement Plan F head’s up the list. This plan is extremely popular due to the fact that it covers 100 percent of the expenses that Medicare Part A and B do not. This means that you visit your doctor, show you card, and go home. That’s it. No medical bills will come in the mail (Provided you went for a Medicare-approved expense which is likely), you will not pay a deductible, and you don’t even need to pay a co-pay for your visit.

Another extremely popular Medigap policy is Plan G. This plan offers 100 percent coverage just as Plan F does, however you must pay the annual Part B deductible out-of-pocket yourself first before Medicare and the plan begin paying. Currently this deductible is $147, and you can likely save more, in fact sometimes much more, in annual premiums by paying this yourself. You can check rates at the top of this website for both Plan F and G to see the difference in price.

Another Plan that rounds out the mix is Plan N. With this plan you still must pay that Part B deductible yourself, then you will have up to a $20 co-pay per doctor’s visit after that. Plan N is also slightly different in that it does not cover Part B excess charges, and you would have to pay a $50 co-pay for a visit to the emergency room if you are not admitted. The good news is, it’s estimated that over 90% of doctor’s in this country that accept Medicare do not charge any excess charges. Another great thing about this plan is that the premiums can be substantially lower than both Plan F and Plan G together.

For those who are healthy or wishing to return to original Medicare off a Medicare Advantage plan, this plan just might be the very best choice you can make. Be sure to check Rates on Medigap Plan N, as well as Plans F and G using our website.