Gerber Medicare Supplements - Which Plans are Offered?
NOTE: Plan offerings can vary from state to state, but these are generally the plans that Gerber currently offers in most states. Contact us for specific plan availability in your state.
Gerber Medicare Supplement Plans: What is Covered Under the Plans?
Gerber Medicare Supplement plans are some of the top plans nationwide, as far as price and financial security. Because all Medigap plans are Federally-standardized, you must rely on price as the primary factor when comparing Medicare Supplement insurance options. This standardization of plans also indicates that a Plan F with one company is the exact same as a Plan F sold through a different company. When comparing, it all comes down to price and company reputation, and Gerber is near the top of the heap in states that it operates in, nationwide.
Gerber Medicare Supplement plans ALL cover what Medicare calls "basic benefits". Here is a summary of what basic benefits include: the 20% that Medicare doesn't pay at the doctor and hospital. Additionally, nearly all of the plans that are offered by Gerber also cover the Medicare deductibles (which are: Part A Deductible = $1,132/benefit period for 2011; Part B Deductible = $162/year for 2011). In addition to these primary benefits, there are additional benefits that are offered under many of the Gerber plans. Some of these additional benefits that are offered in some cases include: Skilled Nursing Facility coinsurance, hospice coinsurance, Part B excess charges and foreign travel emergencies. To get a full rundown of which plans offer which benefits, take a look at the Medigap coverage chart.
How Do Gerber Medigap Plans Operate?
Gerber Medigap plans, because they are Federally-standardized, operate just like other Medicare Supplement plan options. In short, you can go to any doctor or hospital nationwide that takes Medicare. There are no network restrictions. Additionally, there are no paper claims to file. With Medicare Supplement insurance, claims are filed, regardless of plan or company, through the Medicare crossover system. This greatly simplifies things for the insured, as they don't have to be involved in the process whatsoever. Once you have your Gerber card, you take it to your doctor upon your first visit there. From that point forward, your claims are automatically handled through the Medicare system.
It is important to sign up for a Medicare supplement plan during your open enrollment period, or a "guaranteed issue" period. During these times, you cannot be made to answer health questions or pay more for coverage of pre-existing conditions. Your Medicare supplement open enrollment period starts the first day of the month that you are both over 65 and on Medicare Part B and lasts for 6 months. Most companies allow you to sign up (under open enrollment provisions) up to 6 months prior to your Medicare start date.
Why Is Gerber a Good Option for Medicare Supplement Insurance?
Gerber is an 'A' rated company that often has the most competitive, or close to the most competitive, rates in all of the states where it operates. Some of the primary states where Gerber has very competitive rates currently are: Texas, Colorado, California, North Carolina, South Carolina, Florida, and New Jersey.
How Do You Get a Gerber Medigap Plan?
To sign up for a Gerber plan, you can either sign up directly through the company or through an independent agent. We always recommend using an independent agent or agency, no matter which agent/agency it is. This is because it doesn't cost you any more, and you get the unbiased service and support from an agent who is working on your behalf. If you were to sign up directly through the insurance company, you often don't have a dedicated person to call if you ever have any problems or questions. Whereas with an independent agent, their loyalty is to you to ensure that your questions are answered and any problems are taken care of.
To get a rate quote comparison, which will include Gerber and other well-priced options for your age and zip code, simply request the information online using: Gerber Medicare Supplement Quotes. We can provide the information you are seeking so you can compare multiple quotes in a centralized place and make an informed decision.