What Is a Medicare Supplement?

What is a Medicare Supplement? The question seems simple enough. However, if you are turning 65 or going on Medicare for the first time, it can seem a little overwhelming. You are, no doubt, getting inundated with information in phones calls or even in the mail and computer, that people also use to play video games and go online to find what to play in overwatch and other games using the best budget mechanical keyboard for it. There is a lot of information out there, and much of it is confusing – I would even say some of it has the end-goal in mind of confusing you. But the basic foundation of understanding Medicare Supplements is understanding what they are and what they are not.

First of all, what are they? They are plans sold by private insurance companies to fill in gaps in the Federal Medicare program (Medicare Parts A and B). These plans are Federally-standardized – in other words, the government says what they must cover. There are 10 standardized plans, which are named for letters (i.e. A, F, G, N). Each plan covers different amount of “gaps” in Medicare. Here is the coverage chart that shows what they cover: Medigap coverage chart. The individual companies set their pricing, and this can vary a good bit (although the coverage is the same on “like” plans). Also, rates vary by your age and location.

These plans pay claims automatically through the Medicare “crossover” system so you do not have to file claims. Also, they can be used at any doctor/hospital that takes Medicare, which is still your primary insurance (the Medicare Supplement is secondary). The plans are sometimes called Medigap plans. The terms “Medigap” and “Medicare Supplement” are interchangeable.

So, what are Medicare Supplements NOT? Put simply, the type of plans that replace Medicare A & B, called Medicare Advantage plans, are NOT Medicare Supplements. These plans are not supplements to Medicare, but rather replacements of Medicare. Also Medicare Part D plans (the Rx coverage part of Medicare) are technically not Medicare Supplements.

Secondly, employer-type plans are generally not Medicare Supplements. They may pay secondary to Medicare and act as a supplement, but in most cases, they don’t fall under the standardized plans structure of actual Medicare Supplements.

It is important to understand the differences in terminology between Medicare Supplements and other similar types of plans. It is important to know, also, that some agents/companies may try to call their plan a Medicare Supplement, when in reality it is not. Whenever possible, we recommend using an independent broker that can assist you (for no charge) with comparing all companies and plan types.

If you have questions or wish to discuss further, please call us at 877.506.3378 or request information on our website at http://medicare-supplement.us/medicare-supplement-quotes.php.

The Prerequisites for Having a Medicare Supplement Plan

There are several significant prerequisites that must be in place before you are eligible for a Medicare Supplement plan. Take note to understand these and make sure you have them taken care of before you begin the processing of enrolling in a Medicare Supplement plan.

  1. First and foremost, you must live in the area in which the plan you are signing up for is offered. Medicare Supplements vary by zip code (different companies over plans in different areas). So, just because you have heard of someone in a different place having a plan, that does not necessarily mean that the plan is offered in your area. You must make sure you live in an area in which your plan is offered and available.
  2. Secondly, you must have both parts of Medicare – Part A and Part B. Typically, everyone gets Part A the first day of the month that you turn 65. You will receive a Medicare card 2-3 months in advance of this date, signifying that you are in Medicare’s records and that your Medicare benefits will be starting soon. If you are already receiving Social Security at that time, you will also be enrolled in Part B typically. So, you’ll receive a card and information in the mail signifying that you are in both parts of Medicare. If you, for some reason, do not wish to take Part B (usually if you are still covered through an employer or still working), you will have to contact Medicare to delay Part B. In order to be eligible for a Medicare Supplement, you MUST have both parts of Medicare – Part A and Part B – at the time the Medigap plan takes effect. This does not mean that you must wait to sign up for a Medigap until after your Medicare starts. Most companies give you 6 months prior to your 65th birthday in order to sign up for a plan. You should use this time to sign up for a plan, in order to have everything in place at the time your Medicare starts.

Getting a Medigap plan is an important part of going on Medicare. It is important to compare the plans, understand them, and choose wisely. If you want a comparative quote from Medicare-Supplement.us of available plan in your area, please contact us on our website or call us at 877.506.3378.

Arizona Medigap Plans – Three Things You Must Know

Arizona Medigap quotes are easy to obtain and can help tremendously in sorting through the many choices for Medicare supplement insurance. Medicare Supplements are Federally-standardized so there is no variation in coverage from one company to another. However, the prices and company reputations can vary quite a bit. Because of that, it is essential to get quotes from many companies for your comparison. You can do this through an independent agent, or broker.

There are three important things to understand when comparing Arizona Medigap plans:

  1. First and foremost, the plan coverage is Federally-standardized, so no matter what company you purchase your plan from, the coverage will be the same. In addition, all plans can be used at any doctor/hospital that takes Medicare – there are no networks. And, all plans pay claims the same way. That is to say that the claims are all paid through the Medicare “crossover” system, so there is little to no involvement by the consumer in the claims process.
  2. Next, you should understand the levels of coverage, ranging from Plan F, the highest level of coverage, to lower levels of coverage like Plan G and Plan N. Plan F covers everything that Medicare doesn’t cover so that you don’t have any out of pocket costs at the doctor/hospital. Lower levels of coverage have correspondingly lower premiums, but do not fill in all of the Medicare “gaps” like ‘F’ does.
  3. Lastly, you should understand how and when to compare and choose an Arizona Medigap plan. Contrary to popular belief, you can sign up for a Medicare Supplement plan at any time. Many people believe that you can only sign up during an annual enrollment period. On the contrary, there is actually NOT an annual enrollment period for Medicare Supplement plans. There is an INITIAL enrollment period, which lasts for 6 months after you turn 65 or enroll in Medicare Part B. But after that period, you can enroll in, or change, your Medicare Supplement plan at any time. You just have to answer health questions (in most situation) when you sign up for a plan or make a switch.

To get Medicare Supplement quotes for Arizona, please visit our website. Request the quotes and they will be sent to you by email. Or, if you prefer, you can reach us by phone at 877.506.3378.

Medicare Supplement Open Enrollment – When Is It and How Does It Work

Medicare Supplement open enrollment is the name given to the time when you are BOTH 65 or older AND enrolled in Medicare Part B. This time period, which begins on the first day of the month that you meet these criteria (65 or older and enrolled in Medicare Part B), lasts for 6 months.

During this time period, insurance companies cannot use medical underwriting. This just means that they cannot make you pay more for pre-existing conditions, deny your coverage, or restrict the coverage based on your health. Because this is the case, it is essential that if you are going on Medicare, you sign up for a plan during this time period.

At a later time period, the insurance companies use medical underwriting to determine your eligibility for coverage. This can cause you to be denied coverage or made to pay more because of your health. The individual companies set their own unique underwriting guidelines. These can vary by state and according to state-specific restrictions and variations.

The only way to avoid this uncertainty, altogether, is to sign up during this open enrollment period, when you are first eligible for Medicare.

One consideration that may affect when you sign up is if you plan to work past the age of 65. There are other enrollment rights, called “guaranteed issue” rights, which would allow you to sign up for a Medigap plan later when you retire, if you have been covered by employer insurance.

However, you may want to also consider delaying enrollment in Medicare Part B, if you plan to work past the age of 65. Since both conditions must be met in order to trigger your open enrollment period, being 65 or older AND having Part B, your open enrollment period can also be delayed until the time of your retirement. You should discuss this with your benefits person at your current employer or insurance plan, so that you can understand the implications of how their plan will work with Medicare Part A only. If their coverage is primary to Medicare, delaying Medicare Part B is likely the most advantageous choice.

During open enrollment, you can easily compare Medicare supplement plans, get Medigap quotes from an independent brokerage and make a sound decision on the plan that makes the most sense for you. When you apply, you will not be made to disclose anything about your health, answer medical questions, or take any sort of physical examination to obtain coverage. You simply fill out some general personal information, sign the application to apply, and wait for your card and policy to come in the mail.

On a regular basis, we deal with cases where someone has waited to buy a Medigap plan until after their open enrollment period is up. In many cases, waiting can cause someone to be “stuck” in a situation where they cannot get a plan, or atleast not get the plan they want.

This makes getting a plan during your open enrollment period, no matter what company or broker you get it from, of utmost importance. If we can assist in comparing the plan options, we are happy to do so. We can send quote information by email. To get this information, visit Medicare-Supplement.US or call us at 877.506.3378.

Going on Medicare – What You Need to Do

Going on Medicare, or turning 65, is one of the largest insurance-related transitions one can have in their life. There is a lot to consider and certainly a lot of information out there about Medicare insurance plans. If you’re like most people, you’ll be inundated with paperwork and solicitations leading up to your 65th birthday – everyone wants to be your friend when you are turning 65!

Here are the five most important things to know when you turning 65 that will make that transition an easy one:

  1. First of all, in most cases, you’ll be enrolled automatically in Medicare A & B. Typically, Medicare sends you a red, white, and blue Medicare card 2-3 months before your 65th birthday. Medicare is always active on the first day of the month you turn 65 (unless your birthday is the 1st day of a month, in which case Medicare starts the 1st day of the preceding month).
  2. Medicare A & B provide good coverage, but there are some “gaps” in Medicare, which is why the majority of people have some other type of coverage – i.e. Medicare Supplements or Medicare Advantage. The “gaps” in Medicare are a couple of Medicare deductibles (Part A deductible = $1,132 and Part B deductible = $162), as well as an unlimited 20% that you are responsible for if you have only Medicare.
  3. There are two types of Medicare insurance plans and they work very differently. It is important to understand the differences. Medicare Supplement plans work with Medicare and pay AFTER Medicare pays. Medicare Advantage plans replace Medicare and pay INSTEAD of Medicare. Coverage varies greatly with these plans.
  4. Medicare Supplement plans are standardized – that is, each company is required to offer the same standard plans, so comparing them is easy to do and is a function of price and company rating. Medicare Advantage plans have a system of co-pays and deductibles that can vary considerably from one company to another. These plans are more difficult to compare because of this, as well as the added factor of having networks (Medicare Supplement plans can be used at anywhere nationwide).
  5. No matter who it is, it is to your advantage (and at no cost to you) to use a Medicare insurance broker, who can explain both types of plans and help you compare the options in an unbiased, centralized place.

To get more information about turning 65 or going on Medicare, you can view Medicare Supplement Insurance. To get quotes and comparisons for Medicare plans in your area, go to Medicare-Supplement.US.

Medicare Supplements – Smart Ways To Shop

Medicare Supplement insurance fills in the “gaps” in Medicare. These are plans sold by private insurance companies that are designed to work with Medicare. Most importantly, they are Federally-standardized, so comparing plans between companies is easy to do and should be done, primarily, on the basis of price and company rating. Coverage is exactly the same from one company to another.

There are a few ways that you can “shop” for Medicare Supplement insurance. The old-fashioned way is to invite insurance agents into your home, one after the other maybe, for face-to-face meetings to discuss the one company that sells safety razor shaving kits. A quick note, Safety razors offer a shave that is unlike anything you can get from grocery store razors. The newer, more efficient and advantageous way to “shop” is via an independent agent/agency. The insurance covers all medical area including health and even proper hygiene.

This can actually be done exclusively online or over the phone, you can even do this by using orogold products guide and find the best products. You don’t even have to meet with anyone while shopping, like If you are looking for help your skin look younger. Check out ASEA Renu 28 or toenail fungus treatment you won´t have to meet with anyone. Sure, you’ll get boatloads of stuff in the mail, especially if you are turning 65 or leaving some sort of employer-type coverage. However, with the standardization of coverage, claim payments and doctor accessibility, one company or plan is not better than another. The primary thing you always want to look at is price, along with company reputation.

Here are three tips for comparing Medicare Supplement plans:

  1. First and foremost, understand the standardization of plans. The most important thing to know is that companies offer the same coverage plans. For example, a Medigap Plan F with one company is the exact same as a Plan F with another.
  2. Secondly, you should use an independent agent or agency, whenever possible. No matter which agent/agency it is, we highly recommend you use an independent resource to research and sign up for a plan. If you go exclusively to the company or an agent that only works with one company, that is like asking Ford what they think about Chevrolet. Obviously, an agent that only sells one company is going to stress that his/her plan or company is best. On the flip side, an independent agent can give an unbiased comparison of all of the options.
  3. Lastly, base your decision on what you think and understand, not what you see or hear. What I mean by this, is that everyone has an opinion on their Medicare Supplement plan. Not a day goes by that I don’t have a conversation with someone who doesn’t realize the plans are standardized and thinks they have a great plan. Then, when they realize they can get the same exact coverage for $1000+ less a year, their plan doesn’t sound so good anymore. There is lot of advertising and misinformation out there. So, work with an unbiased resource to sort through it and so that you can make an educated, informed decision.

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All in all, choosing a Medigap policy is not that hard to do. The plans are standardized, you can go to any doctor and the claim payments are all standardized. So, the most important thing is finding a well-priced plan from a reputable company. Do that, and a Medicare Supplement insurance plan can save you thousands of dollars a year.

Medicare Supplement Quotes – The Secure Way to Get Them

Medicare Supplement quotes are the best way to compare the various Medicare supplement plan options. There are many, many options for Medicare supplement insurance in each state, and different options are better in certain areas and for certain ages or situations. The best way to find out which plan or company is right for you is to compare all of your options and choose a plan based primarily on price.

So, why is price the most important thing? Well, put simply, the plans are standardized so there is no variation in coverage. A Plan ‘F’ with one company is the exact same thing as a Plan ‘F’ with another company. So, price is the only differentiating factor. Here are the steps to getting Medicare Supplement quotes:

  1. First and foremost, you must request them from an independent source, such as an independent Medicare insurance brokerage. An independent resource like this will give you quotes for a handful of the competitively priced companies for your age and zip code, so that you can compare them on your own time.
  2. According to http://www.webmediaeu.com/revitol-skin-tag-removal-cream-reviews/, you must give honest and complete information so your quotes can be run accurately. Now, this doesn’t include giving them every piece of personal information you have – for example, to provide quotes, they shouldn’t need your social security number, bank information, etc. To successfully run quotes, all that is needed is age, zip code, gender, and tobacco usage. This will be enough information to give you the information you are looking for. If the source you are using is asking for additional information that you don’t feel comfortable giving out, we recommend using a different source to get your quotes.
  3. Once you have the quotes, you can easily compare plans and companies. Are you on a Medicare Supplement currently? If so, you can compare a “like” plan to see if you would be able to save any money for equal coverage. If you are turning 65, or going on Medicare for the first time, you can use the standardized coverage chart to see what each plan covers. Then from there, you can choose a plan and compare rates using the Medicare Supplement quotes.

If you have any questions or want to get your own set of quotes to compare to your current plan (if you already have one) or other plans you are considering (if you are going on Medicare), please contact us on our website: Medicare Supplements. We are happy to provide the information you request, by email, in an easy-to-understand format.

Medicare Supplemental Guide – How To Choose a Plan That is Right for You

Choosing a Medicare Supplemental plan is extremely important to your financial well-being if you are over 65 and/or on Medicare. There are literally hundreds of options available to you, so you must take an inventory of what you need, compare it against what is available and make a sound decision that will be beneficial to you.

The very first step in this process is to get Medicare supplemental quotes from a reputable source like an independent brokerage. This way, you can have all of the information in a centralized place for easy comparison.

The second step that you should follow when comparing supplemental options is to understand the plan differences. Medicare Supplement plans are Federally-standardized. This means that all companies are required to offer the exact same coverage plans, which makes actually comparing the plans relatively easy to do. A Plan F, for example, which is the most common and comprehensive plan, covers everything that Medicare doesn’t cover at the doctor and hospital so that you don’t have any out of pocket costs. So, once you have your quotes, it is easy to compare among plans.

You may find that a lower-tier plan makes more sense for you. After all, the Plan F is the most comprehensive, but it is also the most expensive. Lower-tier plans, such as Plans G and N, often make a lot of sense, particularly if you are in good health or on a fixed income. These plans can provide great premiums savings that offset the small out of pocket costs that come with this slightly lower level of coverage.

The last step in this process is to look at companies, based on price. Since the coverage is the same, you must use price as a primary comparison tool. There is no sense in paying more for the same thing, unless you just have money to burn or don’t mind doing so. The way to go, when it comes to Medicare Supplement insurance, is to choose the option that is the lowest premium for the plan that you want.

To get a Medicare supplement comparison or get quotes on Medicare supplements, please contact us on our website.