This learning center helps answer some of the most popular questions when it comes to Medicare Supplement Plans. Of course we’re always here to help as well! If you don’t see your question then just give us a call and one of our trained agents can easily help you.
What Medicare Supplement Plans are the Best?
Many people want to know which plan is “best”, when in fact there really isn’t one best plan because everyone’s situation is different. The most popular plans are Plan F, G, and N and they all differ slightly.
For people who never want to see a medical bill, Plan F would be best for them. Keep in mind the premium is higher than the other plans though. For those who don’t mind one small annual deductible, Plan G might be best for them. You’ll save money on premiums with Plan G over Plan F, and once that small deductible is paid Plan G pays 100 percent of the gaps in Medicare.
For others who don’t mind more out-of-pocket costs but want lower monthly premiums, Plan N might be “best” for them. Give us a call and in a few short minutes we can easily help you determine which plan fits your needs the best.
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Why are the premiums different from each company for the same coverage?
Coverage within Medicare supplement plans is standardized but the monthly premiums aren’t. Therefore each company has the same benefits but charges a different rate. Carriers are allowed to do this because they all have different risk pools and operating expenses. That being said you can see why it’s extremely important to shop the rates from Multiple companies!
Why will my rates go up each year and what can I do about it?
Typically rates do go up each year depending on the carrier. Many just go up once per year. Using our free quote engine helps you check the rates now, and in the future to give you and example of how much you can possible save by switching plans.
I had a stroke 8 years ago but otherwise I’m healthy. Will I qualify for coverage?
Switching Medicare supplement plans is sometimes a lot easier than most people think. Different carriers have different policies for pre-existing health conditions, however many times there is definitely an option for people. Some companies look back to make sure you’ve had no major illnesses in the past 2 or 3 years. Others go back longer. It’s best to not assume that you cannot change because of an illness in the past. Give us a quick call and we’ll walk you through your options.
I Can’t Change My Medicare Supplement Plan Until October, Right?
This is one of the most important things people can learn about Medicare supplement plans. Regardless of what time of year it is, if you have a supplement plan and wish to change you may apply for a new policy at any time during the year! You do not have to wait until October’s annual enrollment period to do so, in fact that may just end up costing you a great deal of money. Call us now to see how much you can save by switching Medicare supplement plans!