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Medigap Insurance Plans

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MediGap is insurance that truly has you in mind. With many different kinds of MediGap insurance plans in place, we strive to ensure that everyone receives the coverage they're looking for without the need to jump through hoops in hopes of getting only adequate coverage. With MediGap insurance, you'll be able to rest easy knowing that you have the coverage you need when you need it. There will be no surprises at checkout; and you'll always have the option of changing your level of coverage to suit your particular needs (In some cases you may have to go through health underwriting).

There are three easy steps to finding a MediGap plan that will suit you. By filling in the appropriate information above, you'll be presented with various plans/carriers that can easily be compared and weighed against one another. After you find a MediGap insurance plan that you believe fits you best, signing up is a breeze. With free quotes and learning resources, you'll be able to make a well-informed insurance decision without the need to consult anyone but yourself and the facts.

MediGap carriers understand that different individuals and families may desire different levels of coverage. That's why all MediGap plans can be tailored to your specific needs. With all the assistance you could need to enroll, MediGap insurance wants to ensure that you have the easiest time finding and signing up for an appropriate level of coverage. Whether you're new to Medicare and loaded with questions or are already a plan and shopping around for lower insurance rates or premiums, a specialist will be able to assist you with comparing various MediGap insurance plans until you've found the one that's perfect for you.

Save up to 65% on your Medigap insurance plans.

Save up to 65% on Medigap Insurance!

You can also save on your existing insurance by enrolling in a MediGap insurance plan. With an easy-to-use comparison tool on the website, it's easy to compare various coverage levels from other companies with comparable MediGap plans to see the true savings. After learning how affordable great insurance can be, you'll also benefit from additional perks of participating in a MediGap plan.

Unlike many other insurance plans, there are no restrictions on which doctors, hospitals or specialists you can see. You can see your family doctor or specialist that you've been visiting for years, and you can also visit any hospital or treatment center of your choosing (As long as they accept Medicare). With the freedom to see a doctor you trust, MediGap insurance plans are perfect for anyone regardless of their age.

If you already belong to a MediGap insurance plan and are looking to lower your rates, checking back periodically is a great way to ensure you always have the lowest rates possible. With rates constantly changing, checking in with a MediGap insurance agent yearly can save you money. Often, many Medicare recipients are able to find the exact same coverage with a much lower premium, no copays and possibly no deductibles.

To learn what MediGap plans can do for you, fill out the form on the site for a quick assessment. In as little as a few minutes, you can learn how much you can save by switching to a MediGap plan. Enrollment is easy and you have nothing to lose. With lower premiums, cheaper insurance rates and the possibility of improved coverage, MediGap strives to make enrollment and use of insurance plans as painless as possible.

Medigap News Recent Articles

Medicare Open Enrollment and Medigap Plans: Clearing Up the Confusion

Posted November 19, 2012

Q: I know this is open-enrollment season for choosing a Medicare plan, but is it open enrollment for picking a Medigap policy, too? How do I go about it?

Medigap insurance plans are also known as Medicare Supplement insurance.

It is a private health insurance plan designed to cover health care costs that are not covered by Original Medicare. Simply, these plans fill the gap in coverage by supplementing your Original Medicare insurance. The policies can pick up some or all of your out-of-pocket expenses such as the 20 percent coinsurance you pay as a Medicare beneficiary for outpatient and physician care (Part B) or your deductible for hospital care under Part A ($1,156 in 2012). It’s a vital policy to own if you’ve opted to remain in Original Medicare.

According to Medicare, there is only one time when federal law allows you to buy any Medigap policy you want sold in your state. It lasts for six months starting the first month that you’re covered under Medicare Part B when you’re 65 or older. During this “open-enrollment” period, insurance companies cannot deny you a Medigap policy or charge you more because of past or present health problems. You don’t want to miss this window.

You can enroll in a Medigap policy during the current open-enrollment season for Medicare plans (Oct. 15-Dec. 7) but, if you’re getting a plan for the first time and are past your one-time six month window described above, you might be charged additionally or rejected.

Every Medigap policy must be approved by Medicare and must follow federal and state laws. The insurance companies offering these plans must sell you standardized policies that are identified by the letters A through N — kind of like alphabet soup. The companies are required to provide the same benefits across the board per the letter-designated policy they sell. Among the 10 million Americans who purchase Medigap policies, half opt for Plan F, which covers most out-of-pocket expenses for Medicare Parts A and B. The second most popular choice is Plan C, capturing 14 percent of the market, according to the trade group America Health Insurance Plans.

The letters signify plans that offer different levels of care and service coverage. Less expensive plans commonly offer fewer benefits with higher out-of-pocket expenses as a trade-off for paying lower monthly premiums. Medigap policies are only sold to people who have Medicare Part A (hospital insurance) and Part B (medical insurance). Medicare beneficiaries who are in an Advantage Plan (Medicare Part C) or receive their health care coverage through the state Medicaid program do not need to purchase a Medigap policy and insurance companies are prohibited from selling members these unnecessary plans.

Generally, Medigap policies don’t cover long-term care (such as living in a nursing home for the long term), vision or dental care, hearing aids, eyeglasses or private-duty nursing. Policies will often, however, cover skilled nursing care following a hospital stay for rehabilitation such as recovery from hip surgery or recovery from a stroke.

If you are looking to remain with Original Medicare during this open-enrollment season, be sure to review your current Medigap plan to see if there have been changes from last year. If you don’t have a policy, make sure you get one.

2013 Medicare Costs

Posted November 20, 2012

See what has changed from 2012 to 2013.

Medicare Part A (Hospital Insurance) Costs

Part A Monthly Premium
Most people don’t pay a Part A premium because they paid Medicare taxes while working. If you don’t get premium-free Part A, you pay up to $441 each month.

Hospital Stay
In 2013, you pay
1.     $1,184 deductible per benefit period
2.     $0 for the first 60 days of each benefit period
3.     $296 per day for days 61–90 of each benefit period
4.     $592 per "lifetime reserve day" after day 90 of each benefit period (up to a maximum of 60 days over your lifetime)

Skilled Nursing Facility Stay
In 2013, you pay
1.     $0 for the first 20 days of each benefit period
2.     $148 per day for days 21–100 of each benefit period
3.     All costs for each day after day 100 of the benefit period

Medicare Part B (Medical Insurance) Costs

Part B Deductible - $147 per year

Part B Monthly Premium
You pay a Part B premium each month. Most people will pay the standard premium amount. However, if your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount, you may pay more.

If Your Yearly Income in 2011 was

You pay

File Individual Tax Return

File Joint Tax Return

$85,000 or less

$170,000 or less


above $85,000 up to $107,000

above $170,000 up to $214,000


above $107,000 up to $160,000

above $214,000 up to $320,000


above $160,000 up to $214,000

above $320,000 up to $428,000


above $214,000

above $428,000



If you have questions about your Part B premium, call Social Security at 1-800-772-1213. TTY users should call 1-800-325-0778. If you pay a late enrollment penalty, these amounts may be higher.