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Medicare Supplement Plans
Original Medicare can be difficult to understand at best and choosing the right Medicare Supplement can be a daunting task! We are here to help. You may be asking yourself, “which Medicare Supplement insurance policy is right for me?” Well, It depends on what you are looking for. Some plans have no out-of-pocket expenses, while others have a only a deductible or even multiple deductibles and co-pays. In our experience, there are three plans that our clients usually choose from:
Popular Medicare Supplement Plans
No deductibles, no copays. This is a relatively expensive plan and, in our experience, has a high percentage of rate increases per year. This is typically a popular plan with people who don’t want to have a deductible or copay.
One annual deductible (mandated by Medicare & typically less than $200), with very small rate increases every year (usually half as much as a Plan F). This has become a very popular plan in the last few years and is great for people who want to save more money and still have great coverage.
One annual deductible (less than $200) with Dr. office copays (of less than $20) and ER copays (less than $50). This is a less expensive plan with typically fewer rate increases than Plan G and F. We recommend this plan for the savvy shopper who doesn’t visit the doctor very often.
The Difference in Companies
The cost of Medicare Supplement policies vary widely from company to company, and there can be huge differences in the premiums that different insurance companies charge for the exact same coverage. Every Medigap policy must follow Federal and State laws designed to protect you and the policy must be clearly identified as “Medicare Supplement Insurance.” Medigap insurance companies in most states can only sell you a “standardized” Medigap policy clearly identified with letters A through N. Each standardized Medigap policy must offer the same basic benefits, no matter which insurance company sells it. Cost is usually the only difference between Medigap policies.
Frequently Asked Questions
What Medicare Plans do you recommend?
Everyone’s situation is different, but generally speaking, we recommend Medicare Supplements or Medicare MSAs for our clients.
Does my supplement cover dental or prescription costs?
No. Your supplement does NOT cover dental or prescriptions, which is why we recommend dental plans for our clients, as well as a stand-alone Prescription Drug Plan.
Can I keep Original Medicare if I choose to take out a supplement?
Yes, your supplement is designed to work with Original Medicare.
Can I keep Original Medicare if I choose to take out a Medicare Advantage Plan?
No. When you enroll in Medicare Advantage, you automatically DISENROLL from Original Medicare and lose those benefits.
If I have coverage through a Medicare Supplement, why do I need a cancer plan?
The biggest expense most people have when going through cancer treatment is the cost of prescription medications. Most cancer medications are non-generic and can cost thousands of dollars out-of-pocket (even if you already have a Prescription Drug Plan). With cancer becoming so prevalent these days, we recommend ALL of our clients have a Cancer plan to help pay for expensive cancer medications, and even other expenses like travel to & from treatment locations. Click here to learn more about our cancer policy.
Is Long Term Care paid for by Original Medicare and/or my Medicare Supplement
Generally speaking, Medicare provides up to 20 days of skilled care, with a Medicare Supplement providing an additional 80 days, totaling up to 100 days of skilled care per year. Beyond that, an individual will be paying out-of-pocket, which is why we recommend Long Term Care or Home Health Care policies.
Who is the best Supplement company?
Every Medicare Supplement policy must follow federal and state laws designed to protect you, and they must be clearly identified as “Medicare Supplement Insurance.” All Supplement policies must offer the same basic benefits; a Plan G with Company A is going to be the exact same as a Plan G with Company B. Underwriting and price are really the only differences between the companies.
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