(*Rates vary by geographic area and are provided for information purposes only. All rate quotes shown are annual quotes based on attained age plans offered in central PA zip code 171xx, female applicant, age 65, with group plans, high deductible and plans K and L omitted) Rates shown are not an offer by any insurance company or any organization to provide Medicare Supplement Insurance coverage. In some cases underwriting may be required and subject to final acceptance as allowed by law and at the discretion of the insurance provider. Rates are derived from filings with State Insurance Department and may have changed)
Considering the purchase of Medicare Supplement Insurance? Many individual will purchased Medigap Plans, to fill the gaps in traditional Medicare Coverage. Everyone wants the lowest medicare supplemental premium and we intend to do are best to provide the lowest cost Medicare supplemental insurance quotes available in PA and all other states where we do business. If you have Medicare coverage and Medigap Plans are too costly then you may consider a Medicare Advantage plan in lieu of Medicare supplement insurance. The first step is to enroll in Medicare Coverage, if you have not done so. (Medicare enrollment) If you don't have Medicare Coverage with Medicare Part B then you will not be able to purchase a Medigap plan. Second, you will want to compare medicare supplement insurance quotes for several providers in your state. Medicare Supplement Insurance quotes are available from a number of well known organizations as well as the not so well known. Blue Cross and Blue Shield offer Medigap Coverage in most areas as well as AARP Medicare Supplement Insurance, American Continental, Genworth, United World, Mutual of Omaha, Aetna, and Many others. The key point; regardless of whether it’s Blue Cross, Blue Shield, AARP, American Continental, Mutual of Omaha, or any other Medicare Supplement Insurance provider – All plans are the same. Plan J from Blue Cross, AARP, or American Continental cover the same exact benefits from one provider as the other. What makes one plan more costly than another is driven by higher claims experience (i.e. more sick people). So plans with less stringent underwriting will enroll more people with higher utilization causing higher premiums for everyone. The key for healthy people or those who are in the Medicare supplements “Open Enrollment”, or a "Guaranteed Enrollment" period is: Get the lowest medicare supplemental insurance quote for several plans. Mutual of Omaha Medicare Supplement quotes are competitive but there may be others in your area that are less expensive. It doesn’t really matter if you buy Mutual of Omaha Medicare Supplement, AARP Medicare Supplement Insurance, Blue Cross Blue Shield or any other. We represent the names and can provides quotes on the Medicare supplement providers you know and trust; as well as some you have never heard of. Between your Medicare Benefits, and the Medicare Supplement Insurance 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 and earn your trust.
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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 Supplement 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 in most cases 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 Plans A through N and their benefits. Every insurance company must make Medigap Plan A available if they offer any other Medigap policy. Not all types of Medigap policies may be available in your state. For More information see complete CMS Guide to choosing a Medigap Policy.
How to read the chart: If a check mark appears in the column, this means that the Medigap policy covers 100% of the described benefit. If a column lists a percentage, this mean the Medigap policy covers that percentage of the described benefit. If no percentage appears or if the column is blank, this means the Medigap policy doesn’t cover that benefit. Note; The Medigap policy covers coinsurance only after you have paid the deductible (Unless the Medigap policy also covers the deductible)
Lyndon Johnson signs Medicare Amendment. Harry Truman
(The 1st enrollee) and his wife, Bess on right.
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*Due to Changes in Medicare Supplement Insurance - as defined by CMS - current rates are in a state of flux at this time. Request rates at "Find & Compare" and we will provide the currently available rates in your zip code