Many seniors have spent long years pursuing a career they love, and just aren’t ready to give up working and head into retirement the minute they turn 65 years of age. However, healthcare options can tend to get a bit confusing if you don’t retire at the age of 65 (which is also the age
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Understanding The Benefits of Medicare Insurance
Four important points to help you choose!
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Frequently Asked Questions
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When an American citizen turns 65 years of age, they have the option to enroll in Medicare (they may also qualify before the age of 65 if they are eligible for disability benefits). Basic Medicare, which includes Parts A and B, cover most of your basic hospital and doctor expenses, respectively. Unfortunately, “most” does not mean “all”. The expenses which Medicare does not cover – sometimes referred to as “gaps” in coverage – are what Medigap insurance protects you from. It is a private plan designed to cover the medical expenses where Traditional Medicare falls short of the mark.
You, as a consumer, have a variety of options. While some prefer to look up nearby agents in their local Yellow Pages, the truth is that you’ll get the best deal by doing your research and shopping around online. With the power of the internet, you can get more and better offers from several major companies who are all competing for your business.
You could contact each and every individual agency by yourself and spend hours filling out the same redundant online forms for quotes, or you can let us do all of the busy work for you. Compare multiple plans, prices, and agencies by filling out our one, simple online quote form today. We can help you get the best possible deal on virtually any available Medigap policy.
If any of the following scenarios apply to you, then you are already guaranteed “eligible” to purchase Medicare supplemental insurance:
- You are currently covered under Medicare Parts A & B
- You are within 6 months of turning 65
- You are within 6 months of receiving Part B coverage
- If you are about to lose your group health insurance plan
Please note that you may still be required to answer some medical questions about your overall health and wellness. For further clarification, or if you have any questions, please do not hesitate to contact us at (844) 913-0253. Give us a call today.
The best way to save money when picking a new Medicare plan is to make sure that you’re comparing plans available in your area. Our licensed insurance agents are here to help make sure that you compare multiple plans rather than just going with the first one that fits your needs.
Based on the convoluted rules of Medicare enrollment, many seniors mistakenly believe that signing up for Medigap is similarly complicated. The good news is that you can sign up for Medigap insurance at any time. However, there are some “sweet spot” time frames which, if you apply during those opportunities, will make the process much easier:
- The Initial Enrollment Period. During your first 6 months of Part B coverage, your acceptance is guaranteed, regardless of your current level of health
- The “Guaranteed Issue” Period. If you are on the verge of losing coverage through an employer, you will have a “guaranteed issue” period lasting 63 days where you can purchase any Medigap policy with no health questions asked.
If you apply for Medicare supplement at any point outside of these time frames, you will likely have to go through the complicated process of medical underwriting and answering lots of invasive health questions. To learn more, and to get help going through the process, call us today at (844) 913-0253
It doesn’t matter whether you’re struggling to get by, on a fixed income, or enjoying incredible wealth in your golden years – all seniors from all walks of life can benefit from a Medicare supplement insurance policy. Medicare provides standard coverage to every beneficiary, regardless of income. What it does not provide, however, is 100% coverage of your medical costs. Therefore, the more vulnerable you are to the gaps in Medicare coverage, the more you can benefit from the protection of a Medigap policy.
How Medicare works
Medicare is made up of several parts that you can choose from to fit your needs. Here’s an overview of how each of these parts work together.
Hospital & Inpatient
- Hospital-related coverage
- Emergency care
- Skilled nursing
- Home health services
Doctors & Medical
- Doctor's office visits
- Laboratory services
- Medical equipment
- Mental health services
- Outpatient and ambulatory services
- Lower monthly premium costs
- Can only use in-network doctors and hospitals, and referred specialists
- No coverage outside of local service area
- Costs and coverage can change each year
Medicare Prescription Drug Coverage
- Part A + Part D
- Part A + Part B + Part D
- Part A + Part B + Supplement + Part D
- An Advantage plan that includes Part D
Supplement also called MediGap
- Lower (or no) out-of-pocket costs
- More choices in doctors, hospitals
- Costs and coverage never change
- Coverage while you travel
There are dozens of Medicare Insurance carriers you could choose from. Medigap.com compares a select group of Medicare Advantage, Medicare Supplement and Prescription Drug plans for you at no cost.
We do all the legwork, helping to save you time and money.
Recently Written By Our Insurance Experts
If you suffer from a pre-existing medical condition, you might be worried that your situation will affect the cost and quality of your health coverage. With Original Medicare and Medicare supplement plans like Medicare Advantage, it’s especially difficult to know if and when a policy will cover costs associated with your condition. For the most
Understanding Medicare can be a confusing process, especially for those of us who are entirely new to it. There are dozens of plan options, covered services, and health insurance terms that can be overwhelming if you’re learning about Medicare for the first time. What’s important to know is that if you’re confused, you’re not alone!