Medicare Supplements

Medicare Supplements, also know as Medigap or Supplemental Insurance Plans are designed to cover the gaps in coverage that Original Medicare Part A and Part B don’t pay. Medicare pays 80% of healthcare expenses. Medicare Supplements cover the copays and deductibles left behind.

There are Ten Standardized Medicare Supplement Plans

The ten Medicare Supplement Plans cover all or a portion of nine different Medicare Supplement Benefits. Because plans cover the same benefits, the only difference between the insurance companies is the rate. For example, a Medigap Plan G with AARPUnitedHealthcare has the exact same benefits as a Medigap Plan G with MutualofOmaha.

Medicare Supplement Plans

Medicare Supplement Plan A  Medicare Supplement Plan B  Medicare Supplement Plan C  Medicare Supplement Plan D  Medicare Supplement Plan F  Medicare Supplement Plan G  Medicare Supplement Plan K  Medicare Supplement Plan L  Medicare Supplement Plan M  Medicare Supplement Plan N

When comparing Medicare Supplements it’s important to compare as many insurance companies as possible. Rates will vary signifigantly by state. At Medigap Planners, we will provide with a free no-obligation report showing you all the rates of all the plans. Working with us you are guaranteed to find the lowest rates from the top companies.

Senior Boxing Gloves

Medigap Plan M vs Medigap Plan N

Medigap Plan M and Medigap Plan N offer a different approach to Medicare Supplement coverage. Both Plan M and Plan N cover the same 7 of 9 Medicare Supplement Benefits, but they do it with additional cost-sharing and copays.

Open Enrollment

Medicare Supplement Open Enrollment

If you are enrolled in Medicare Part B, your Medicare Supplement Open Enrollment begins the first day of the month in which you turn 65 and lasts for six months. If you’re concerned about forgetting the dates. Don’t worry. You will be inundated with Medicare Supplement marketing material. And you thought nobody cared about your birthday.

Nurse and Patient

Medigap Plan N Copays

Let’s discuss Medigap Plan N Copays. The unique feature of having copays on a Medicare Supplement sets Plan N apart from the other standardized plans. At first, it may seem complicated, but when broken down into its two parts, it is really quite simple.

Senior Couple Florida Beach

AARP Plan F

If you are turning 65 and a Florida resident, you are certainly familiar with the AARP Plan F Medicare Supplement (Medigap Plan). The plan is underwritten and administered by UnitedHealthCare Insurance Company. In most areas of Florida, it is very often the plan with the lowest price, but before purchasing, there are other options you will want to consider.

Florida Sunset

Florida Medicare Supplements

While shopping for Florida Medicare Supplements, you will be faced with a wide variety of options. With over 2.4 million seniors enrolled in Original Medicare Part A and B, companies are eager to do business in the state. Along with the standard plans offered, Florida has other money-saving choices, like Medicare Select and High Deductible Plan F. In this post we will explain all of your coverage options.

Senior Thinking Plan G or Plan N

Medigap Plan G or Medigap Plan N

Congratulations, if you are comparing Medigap Plan G and Medigap Plan N you are on the right track. Both are great Medicare Supplement Plans for a variety of reasons and worth your consideration.

Medicare Supplement Benefit Guide

The following Medicare Supplement Benefit Guide will help you compare plans. There are only nine areas of coverage to consider when comparing. All standardized plans cover a portion of these benefits.

Stop Wasting Money

Medigap Plan F is Not Your Best Option

Medicare Supplement or Medigap Plan F has been the popular choice since it was first introduced in 1990. Over the years, over 50% of all new Medicare Supplement sales were with a Plan F, and for a long time, that decision made sense. The times they are a changing.

High Deductible Plan F

Benefits of High Deductible Plan F

A high deductible Plan F could be your best insurance option. I’ve always discouraged anyone from purchasing a standard Medigap Plan F, but with the high deductible version, my thoughts are entirely different.

Money going down the drain

The Truth About Medicare Part B Excess Charges

In this post, I hope to explain why you shouldn’t worry about Medicare Part B excess charges when shopping for a Medicare Supplement. Currently, the very popular Medigap Plan C and Medigap Plan F are the only plans that pay for excess charges. Hopefully, after reading, you’ll agree that paying for this benefit is a waste of money.

Abstract Letter M

Benefits of Medicare Supplement (Medigap) Plan M

Medicare Supplement (Medigap) Plan M can be a terrific money-saving choice for Medicare-eligible seniors. It is similar to a Medigap Plan D with only one difference.

Vintage NC Postcard

North Carolina Medigap Plans

With one of the fastest growing retiree populations in the United States, Medicare Supplement companies are eager to do business in North Carolina. With all of the options available, shopping for a Medicare Supplement can be confusing. Using our free comparison tool it is easy to compare all the plans from all the companies in minutes.

Piggy Bank

The Top 5 Ways to Save Money on Your Medicare Supplement

Whether you are new to Original Medicare and shopping for your first Medicare Supplement, or you currently have coverage but are interested in some money-saving options, this post can help. We put together a list outlining the top 5 ways you can save money on your Medigap Plan.

Vintage Georgia Postcard

Georgia Medicare Supplements

With a rapidly growing senior population, Medicare Supplement companies are eager to do business in Georgia. If you are Medicare eligible, this is great news. Georgia has many available options when it comes to Medicare Supplement coverage.

Medicare Building

What is the Best Medicare Supplement Company?

As an expert in the insurance industry, I am often asked what are the best Medicare Supplement Companies? It’s a simple question, but unfortunately, there isn’t a simple answer. Many variables are unique to the individual, and you will want to consider them all when choosing the company that is best for you.

Pen and Insurance Application

Medicare Supplement Underwriting

Are you looking to purchase a Medicare Supplement, but you’re concerned about the underwriting requirements? Obviously, the best time to buy a Medigap Plan is during your Initial Enrollment Period (IEP).

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Warning! Do Not Buy a Medigap Plan F

Plan F has long been the most popular of the standardized plans, and it does have a purpose. However, you should explore all of your options and make yourself aware of the potential pitfalls before owning one.

Boxer with Plan F tattoo

Medigap Plan F or Medigap Plan C

If you are shopping for a Medicare Supplement and trying to decide between purchasing a Medigap Plan F or a Medigap Plan C, I can help. In fact, this question is a quick an easy one.

Phaseout Plan F

Say Goodbye to Plan F

Soon your favorite Medicare Supplement Plan F will no longer be available. Congress has passed legislation that prevents companies from covering the Part B Deductible starting January 1, 2020, making Plans C and F obsolete.

F or N Thought Cloud

Medigap Plan F or Plan N?

Medigap Plan F or Plan N, which is right for you? Ever since it was introduced in 2010, the Plan N Medicare Supplement has been a favorite recommendation of mine. Unfortunately, when shopping, most people don’t even consider it. They tend to gravitate towards the more popular Plan F because of it’s seemingly more comprehensive coverage.