For those considering the purchase of Medicare Supplement Insurance Plan - Many individuals purchased Medicare Supplemental Plans (insurance) A.K.A. Medigap Plans, to fill the gaps in traditional Medicare Coverage. If you have Medicare coverage and find that a Medicare Supplemental Plan "Medigap" is to costly then you may consider a Medicare Advantage plan in lieu of Medicare supplemental insurance. First you need to sign up for Medicare Coverage, -Medicare enrollment - You need to be within 3 months of your Medicare Part B effective date to enroll in Medicare Advantage, and Medicare Rx insurance. Medicare supplemental Insurance may be purchased at any time with underwriting however their are Special election and Guaranteed issue times for all plans. For information on "Open Enrollment", "Guaranteed Enrollment", and other Special Election periods (There are about 35) and Medicare Supplemental Insurance requirements vary by state. Request a Medicare Insurance Consultation or info on Medicare Supplemental Insurance plans and one of our trained agents will guide you through the process. Medicare Supplement Plans are offered by a number of well known organizations as well as the not so well known. Blue Cross and Blue Shield offer Medicare Supplemental Insurance Plans in most areas as well as AARP Medicare Supplement Insurance. However there are many others who offer Medicare Supplement insurance in specific states or regions. The key; regardless whether it’s Blue Cross, Blue Shield, or AARP Medicare Supplement Insurance or any other provider: All similar lettered plans are identical. Medicare Supplement Plan J, Medicare Supplement Plan F, or Medicare Supplement Plan C from Blue Cross, AARP, American Continental , Genworth Medicare Supplement, Gerber Life, any other Medicare supplement provider will cover the same medical insurance benefit from as the other. What makes one plan more costly than another is driven by multiple factors, including claims experience (more sick people), overhead, salaries, and other admin cost to name a few. So plans with less stringent underwriting will get more people with higher utilization causing higher premiums for everyone. The key for healthy people or those turning 65 who are in the Medicare supplements “Open Enrollment” period is to find the plan with the lowest premium. Mutual of Omaha Medicare Supplement plans are competitive but there may be others in your area that are less expensive. Gerber Life Medicare Supplement has recently introduced Medicare Supplemental Insurance plans in 32 states. It doesn't’ really matter if you buy Mutual of Omaha Medicare Supplement, AARP Medicare Supplement Insurance, Blue Cross Blue Shield or any other medicare supplement plan, the Senior Advisors Group represents all the names you know an and can guide you through the process. Between your Medicare Benefits, and a Medicare Supplement Insurance policy you will not be confined to an HMO network. The first step is to review our site then request a Medicare Supplement Quote. If you are still confused please request a quote and we will provide a free Medicare consultation. Thank you for your time, and hope you find our site and service valuable.
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Medicare was established to help pay basic healthcare needs for people ages 65 and over*, but it was never intended to cover all medical expenses. Over time, the cost of items not covered by Medicare has grown - to the point where it is often more than an individual can afford to pay.
To help cover your out-of-pocket medical costs, Medicare Supplemental Insurance policies help pay for items that Medicare may not cover, such as:
• Medicare deductibles • Hospital and medical care co-insurance • Extended hospital care • Physician's services, hospital outpatient services and supplies • Ambulance services
Additionally, with Medicare Supplement insurance plans:
• You choose your own doctors - no need to select a primary care physician • No referrals are needed to see a specialist • Virtually no claim forms to fill out - medicare pays your providers directly so you don't need to file claims yourself • Coverage is guaranteed renewable for life** This chart gives you a quick look at the standardized Medicare Supplement Insurance Plans A through Plan J. It is required that every insurance company make supplement plan "A" available if they offer any other Medicare Supplement policy. Not all types of Medicare Supplement Insurance plan may be available in your state, and new Medicare Supplemental Insurance Plan N and Plan M available as of June 2010. For More information see complete CMS 2011 Guide to choosing a Medigap Policy.
How to read the chart: If a check mark appears in the column, this means that the Medicare Supplement plan covers 100% of the described benefit. If a column lists a percentage, this mean the Medicare Supplement plan covers that percentage of the described benefit. If no percentage appears or if the column is blank, this means the Medicare Supplement policy doesn’t cover that benefit. Note: A Medicare Supplemental Insurance plan/policy covers coinsurance only after you have paid the deductible (Unless the Medicare Supplement plan alsocovers the deductible)
Lyndon Johnson signs Medicare Amendment. Harry Truman (The 1st enrollee) and his wife, Bess on right.
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