Medigap Plan G – What It Covers and Why It Makes Sense

Medigap Plan G is one of the often-overlooked Medicare Supplement plans. Most agent and consumers look for this: http://www.JuicerReviews.org/, which is the most common and comprehensive plan, first. However, Plan G is a great plan and is very similar to Medigap Plan F (only one benefit difference). For that reason, I believe Plan G to be, in most cases, the most advantageous Medigap choice. It even helps out with the Car accident lawyers, just in case you get into any trouble out on the street, however, it is always important to contact Reid Collins & Tsai depending on the law situation you are involved in.

So, what does Plan G cover? Well, in short, it covers everything that Plan F covers with one exception. The exception is the Medicare Part B deductible. For 2017, this deductible is $183/year. Other than not covering that deductible, Plan G is absolutely identical to Medicare Supplement Plan F.

The benefits that G includes are: Basic Benefits (20% coinsurance, hospice coverage and blood), skilled nursing facility coinsurance, Part A deductible, Part B excess charges, and foreign travel emergency, which are really helpful for people that suffer from vein disorders. These benefits are part of every Plan G because Medigap plans are standardized and gets help from the people from p://www.georgecollinspa.com, at the end of the month they also to a big meeting where they grill with one of the best electric grill out there.

Since the coverage of the Part B deductible is the only difference, it is very easy to compare Plan F and Plan G. If you divide the deductible amount by 12 months, you get the figure $15.25/month. This is the “benefit difference” between the two plans, since all other benefits are identical. So if a Plan G is $20 less than a Plan F, it just makes sense.

Also, and this is something that many people do not realize, Plan G has historically been more rate-stable than Plan F. The primary reasons for this is Plan F is required to be offered on a “guaranteed issue” basis in several situations (i.e. losing employer coverage, losing Advantage plan coverage, etc.). Plan G, on the contrary, is not required to be “guaranteed issue” in these situations. What this means is that Plan F must accept people, regardless of pre-existing conditions, that fall into one of these situations. So on average, the people on Plan F could be less healthier than the people on Plan G, because to get Plan G (unless you are in open enrollment), you would have had to qualify medically. Less healthy people can lead to more claims, and rate increases are based on claims in a certain geographic area, if some of this people are based of negligence of the doctors they could be manage for services as the offered in sites like this https://www.the-medical-negligence-experts.co.uk/.

Lastly, in 2014, legislation passed that set an “end date” to the full coverage Medigap plans, including Plan F. These plans will no longer be available after 2020. At that point, the plans that are no longer available to new members will very likely be less stable over time than other options, including Plan G.

Altogether, Plan G is a great option. While many agents “push” Plan F, doing some simple math can show you that Plan G is more advantageous to you in most cases. If you have questions about Medicare Supplement plans or want to get Medicare supplement quotes, please contact us via our website.

What is the Difference in Medigap and Medicare Advantage?

This is one of the most commonly-asked questions by people who are turning 65. The question assumes that you understand that there IS a difference in these two types of Medicare plan options. They are certainly very different and, if comparing the two, be careful about comparing based on price, benefits, etc. because it is simply not comparing “apples to apples”. My recommendation would be to first decide which “direction” you want to go (Medicare Supplement or Medicare Advantage) and then from there, deciding which company/plan you want to go with.

So, what are the differences in the two types of plans? Here are the primary differences between Medicare Supplement (also called Medigap) and Medicare Advantage plans:

  1. First of all, the nature of the plans varies. Medigap plans, or Medicare Supplement plans, are designed to work with Medicare. They fill in the “gaps” in Medicare. Medicare Advantage plans, on the other hand, replace Medicare instead of supplementing it. They work independently and become your coverage by themselves.
  2. The 2nd main point of variation between the two types of plans is doctor availability. With Medigap plans, you can go to any doctor that takes Medicare. If they take Medicare, they are required to take any of the standardized Medicare Supplement plans (regardless of company). Medicare Advantage plans are network-based plans. These plans are either PPOs or HMOs, in most cases, and you must stay within a prescribed network of participating doctors/facilities. These networks are typically regionally-based.
  3. The next difference between the plans is the cost-sharing structure. Medigap plans are designed to fill in most, or in some cases all, of the gaps in Medicare. So, there are, in the case of Plan F for example, no out of pocket costs. Medicare Advantage plans, however, have an elaborate system of co-pays and deductibles for different services/procedures.
  4. Another difference between the two plan types is availability to change plans. Medigap plans allow you to change at any time of the year, for any reason. Medicare Advantage plans only allow changes to coverage during the annual enrollment period which is Oct. 15-Dec. 7 each year. Also, and very importantly, if you take a Medicare Advantage plan when first eligible for Medicare, and then at a later time, wish to switch to a Medigap plan, you will have to “qualify medically” to move from a Medicare Advantage plan to a Medigap plan. If you have any pre-existing conditions, this may be difficult to do.

Overall, both plans are certainly viable options for someone on Medicare. However, our general recommendation would be towards the actual Medicare Supplement (Medigap) plans based on their stability, flexibility and comprehensive coverage. Medicare Advantage plans may make more sense in very urban areas or to low-income populations. But on the whole, Medigap plans will give the most comprehensive coverage for a reasonable price with lasting stability.

If you have any questions about this information or want to compare Medigap plan options, call us at 877.506.3378 or visit our website.

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.

Medigap Plan G – The Smart Alternative to Plan F

Medigap Plan G is a smart alternative to Plan F. While many agents and agencies push Plan F primarily, Plan G is generally a better value if you do the math on the two options. When comparing Medicare Supplement plans, it is important to look at all the options and understand the plan differences. In doing so, you will see that there is only one benefit difference between the two plans – Plan F and Plan G. Understanding this benefit difference is the first step to comparing these two plans.

There are several reasons why Plan G is a better value than many of the other plan options, which we’ve spelled out below:

  1. First and foremost, it is a better value, in most cases. The math is simple to do. The only benefit difference between Plan G and Plan F is the coverage of the Medicare Part B deductible. For 2011, this deductible is $162/year. Typically, you will the premium savings on Plan G to be approximately $15-20/month. In an example, if the premium savings is $20/month, then you would spend an extra $162/year (if you go to the doctor) in exchange for saving $240/year. It just makes sense.
  2. The second major advantage to having Plan G is that rates are historically more stable over time with Plan G than with many of the alternatives. The reason for this is simple to understand. Plans F and C, and several others, are required to be offered (by all companies) on a “guaranteed issue” basis when you are losing employer coverage or Advantage plan coverage. Because companies cannot underwrite those plans in these situations, the people on the plans are, on average, less healthy than people on some of the other plans, like Plan G, that are not required to be offered on a “guaranteed issue” basis in these situations. Less healthy people leads to more claims, which leads to larger and/or more frequent rate increases.

For these two primary reasons, you will find that Plan G is a great alternative to other plans like the Plan F. While many people will push for the Plan F, do the math yourself and make an informed decision. I believe you will find that Medigap Plan G is often the way to go. If you have any questions about which plan is right for you or if you want to get a Medicare Supplement quote, please contact using our website: Quotes from Medicare-Supplement.US .

Medigap Plan F – Is the Most Common Plan Right for You?

Medigap Plan F is, without a doubt, the most common Medicare Supplement plan available. It is also the most comprehensive – it covers everything that Medicare doesn’t cover so that you don’t have any out of pocket costs. While there are certainly other plans that will offer a lower premium, none compare in level of coverage to the Plan F. When comparing the various Medigap plan options, it is important to understand what each plan, including Plan F, covers, so that you can determine if it is right for you.

So, what exactly does Plan F cover? Well first and foremost, it covers “Basic Benefits” (all supplement plans do). This includes the 20% coinsurance that Medicare doesn’t cover under Medicare Part A and Medicare Part B. Basic benefits also includes your first three pints of blood needed each year and hospice Part A coinsurance (the 20% that Medicare doesn’t cover). Additionally, Plan F covers the skilled nursing facility coinsurance, which is the 20% that Medicare doesn’t cover, as well as both Medicare deductibles. The Medicare Part A deductible is $1,132/benefit period for 2011, and the Part B deductible is $162/year.

Medigap Plan F also covers the Medicare Part B Excess charges. This is not a common occurrence but can be problematic if you are going to a doctor that does not accept Medicare “assignment”. This means he doesn’t accept the Medicare-approved amounts for a service or procedure, and he or she passes on the “excess charges” to the patient. Plan F covers those charges. Plan F also covers foreign emergency travel, which is a good benefit to have for someone who travels abroad often.

Altogether, with a Plan F, in conjunction with your Medicare Parts A & B, you should not have any out of pocket costs at the doctor or hospital. With this plan, you have predictable out of pocket costs (just pay the premium and nothing else) over the course of the year.

That is the greatest advantage to the Medicare supplement F plan – it allows you predictability and reliability. That is why many people choose this plan; however, it is always good to look at your specific financial means and health needs to see which plan is right for you.

To get Medicare Supplement quotes and information, please contact us on our website.

Medicare Supplement Insurance Plans – The Surest Way to Avoid Catastrophe

Medicare Supplement insurance plans are the surest way to avoid financial catastrophe if you are over 65 and/or on Medicare. While most people agree that Medicare is good coverage, and it does cover most things, it is certain that you need something to fill in the “gaps” in Medicare coverage. That is where a Medicare Supplement insurance plan comes in.

Why You Need It:
“Original” Medicare is Parts A & B of Medicare. This is your hospital and doctor/outpatient coverage. With only Medicare, this covers approximately 80% of the charges at the doctor/hospital. There is no “cap” on what you would have to pay with the other 20%. So if you rack up thousands and thousands of dollars in charges, which is entirely possible when dealing with medical expenses, you would owe an unlimited 20%. For example, if you have a $100,000 surgery intended to do surgical robots, with only Medicare coverage, you would pay the Medicare Part A ($1,132) and B ($162) deductibles. Then, you would also pay 20% of the total Medicare-approved amounts – approximately $20,000. This is a rough example, but it gives you an idea of the need for Medicare supplement insurance plans, of course there are procedures which are not that expensive, for example the Fort Worth med spas with laser hair removal have affordable prices for this kind of procedures. When you want to have a high quality surgeon, I recommend Anurag Agarwal, M.D. due to his good records and experience.

What Does It Cover:
On the contrary, if you have a Medicare Supplement plan to go along with your Medicare, your out of pocket expenses are greatly reduced. First of all, most of the plans pay the Medicare Part A & B deductibles (nearly all of the plans pay this deductible). Also, most of the standardized plans include coverage of the 20% coinsurance that Medicare doesn’t cover. Plan F, which is the most common and comprehensive Medicare supplement plan, covers everything that Medicare doesn’t cover so that you don’t have any out of pocket costs. This is the surest way to have predictable out of pocket costs if you are over 65 and/or on Medicare. To learn more about lasik eye surgery, visit lasikeye.surgery for more information.

So What Should You Do:
In order to have a Medicare supplement insurance plan, you must apply for coverage. You can do this through a Medicare supplement agent or directly through an insurance company. Scalp Aesthetics DC performs hundreds of scalp micropigmentation procedures each year. It is highly recommend, though, that you compare quotes from multiple companies so that you can make an informed, unbiased decision about which company or plan is right for you.

Contact us on our website if you want more information or want a Medicare Supplement quote chart by email.

Medicare Supplement Underwriting Guidelines – What You Need to Know

Medicare supplement insurance plans use medical underwriting to screen potential applicants. While pre-existing conditions are not as big of a concern with Medigap plans as they are with under-65 health insurance, this type of plan does approve or deny an applicant based on their health (with some exceptions – see below). So, when you apply for a Medicare supplement or when you are comparing plans, you need to endeavor to understand the differences in medical underwriting from company to company.

Typically, Medicare supplement underwriting questions are very similar. Companies, in nearly almost all cases, ask about things like COPD, heart attacks, strokes, cancer, hospital or nursing facility confinement, etc. Most companies also ask for a list of your current medications to determine your eligibility will be.

There are some very important, notable exceptions to the general underwriting guidelines. These exceptions are called ‘guaranteed issue’ and ‘open enrollment’. Guaranteed issue is when you receive approval into a Medicare supplement plan with no medical questions asked at all. You qualify for guaranteed issue when you are losing some other type of coverage, like employer coverage or a Medicare Advantage plan, when you move to a new state, or one of several other instances. Open enrollment occurs for Medicare supplement plans when you are BOTH age 65 and enrolled in Medicare Part B. For most people, this is the first day of the month that you turn 65 through 6 months from that date. During this time, you also do not have to answer medical questions on the application, regardless of plan or company that you choose.

Underwriting guidelines for Medicare Supplements vary greatly from company to company. It is very important to know what different companies look for when underwriting an application. This can help prevent an unnecessarily declined application and make for a smoother overall process. The most effective way to get this information is to work with an independent agent who is familiar with the different underwriting guidelines from all the different companies. They can help you evaluate which companies are more stringent on underwriting and which companies would be the best fit for you. If you are in good health, it may be to your advantage to be with a company that is more stringent than others, since on average, the people with that company may be healthier (can lead to fewer claims and fewer rate increases).

If you would like more information or to get Medicare supplement insurance underwriting information, please contact us on our website at Medigap quotes.

Choosing a Medigap Policy – How and When to Do It

Choosing a Medigap policy is an important part of your transition to Medicare if you are turning 65 or going on Medicare. There are literally hundreds of options available in each state and county, and you, no doubt, will get overwhelmed with a deluge of information when you are going on Medicare. It is easy to let this information overwhelm you to the point of frustration. However, it doesn’t have to be that difficult. Put simply, choosing a Medigap policy is actually very easy to do. Follow the guidelines below to choose the Medigap policy that is right for you:

  1. First of all, select a plan during your open enrollment or guaranteed issue period. Everyone has a 6-month open enrollment window when they turn 65 or enroll in Medicare Part B. During this time period, there are no health questions asked on any company or plan – you simply choose a plan and enroll. This is the ideal time to enroll in a plan because you cannot be turned down for coverage or made to pay a higher premium because of some pre-existing condition.
  2. Choose a plan by comparing options using an independent agent. It is to your advantage to use an independent agent when comparing and choosing a plan. Independent agents have access to plan quotes for all of the plans offered in your area and can help you compare in an unbiased way. They also have specialized knowledge of company practices, rate increase histories, and customer service reputations. You are paying for agents anyway (commissions are built into premiums) and it doesn’t cost you any extra, so you should certainly have one.
  3. Make a decision based on two factors – price and company reputation. No matter what anyone else tells you or what you see on a television commercial, your decision should, quite simply, come down to two factors and two factors only – price and company reputation. Since plans are standardized, you can easily compare “apples to apples” to choose a plan that is most competitive on price and is from a highly rated company.

Choosing a Medigap policy can be overwhelming and time-consuming. However, it doesn’t have to be that hard. Plans are Federally-standardized and you are given a set time to enroll in the plan of your choice, so it is easy to know when and how to choose a plan. By simply following the three guidelines listed above, you can choose the plan that is right for you.

For additional guidance, you can contact us on our website, Medicare Supplement or see Medicare’s choosing a Medigap policy guidebook: http://www.medicare.gov/publications/pubs/pdf/02110.pdf.

Medicare Supplement Insurance vs. Medicare Advantage Plans – What are the Differences?

If you are on Medicare A & B, there are two very distinct types of insurance plans that you are eligible for. The first type of plan is a regular Medicare Supplement plan, and the second type of plan is a Medicare Advantage plan. While many people call Advantage plans “supplements”, the fact is that the two types of diabetics are very different. They cannot, and should not, be lumped together as one type of plan. There are few important differences, which we’ve elaborated on below.

  1. First of all, the easiest way to understand the main difference in the two types of plans is to look at how they “pay”. Medicare Supplement plans pay AFTER Medicare pays using the Medicare “crossover” system, which coordinates payments to the provider. The Advantage plans pay INSTEAD of Medicare. In other words, your coverage is provided through the private insurance company, rather than through Medicare. Essentially, Medicare pays the private insurance company to take over management of your health benefits.
  2. The second big difference in these two types of plans that we should look at is the eligibility ramifications of the two types of plans. Medicare Supplements use medical underwriting to determine one’s eligibility for their plans UNLESS you are in an open enrollment (just going on Medicare or turning 65) period or “guaranteed issue” period (i.e. losing employer coverage, losing Advantage plan coverage, etc.). Medicare Advantage plans, on the contrary, do not use comprehensive underwriting like the supplement plans do. They ask one medical question regarding End-Stage renal disease and a renal diet, but other than that, there are no medical questions to get a Medicare Advantage plan.
  3. The next difference to look at between the two types of plans is what is typically included in coverage. Medicare Supplement plans include doctor and hospital coverage, and generally speaking, they pay on things that Medicare pays on. So, if it is something that Medicare covers, the supplement plan, in almost all cases, will also cover it. Medicare Supplements do not, however, cover prescription medications – you must have a separate Part D plan to have prescription medication coverage. Many Medicare Advantage plans, on the contrary, do cover prescription medications. The include Part D as part of the Medicare replacement plan.

When you are considering which of the two types of plans you prefer for your diet process, it is important to understand these alternate diet programs like medifast and major differences and to compare “apples to apples”. Medicare Supplements are Federally-standardized and very easy to compare on the basis of price and company reputation. However,

Advantage plans cannot be compared as easily and require a more in-depth view as co-pays can vary widely. Many Medicare Supplement plans (F, C, etc.) do not have any co-pays or deductibles, regardless of the company that is selling the plan. So in this case, comparing options is easy to do.

If you have questions about which plan is right for you or just want to get Medicare Supplement quotes, please contact us using our quote form at Medicare Supplement .US.