Medigap Mondays

AARP Medicare Supplement Plans

AARP Medicare Supplement Plans

AARP Medicare Supplement Plans

AARP Medicare Supplement Plans

AARP Medicare Supplement Plans are offered through UnitedHealthcare insurance company. UnitedHealthcare is a Top Medicare Supplement insurance company that provides 9 Medigap Plans: A, B, C, F, High deductible F, G, K, L, and N. Both United Healthcare Medicare Supplement plans and AARP Medigap plans include the following coverage benefits.

Medicare Part A Hospital Coverage

United Healthcare and AARP Medigap plans cover Medicare Part A coinsurance costs. For example, you are inpatient at Long-Term Care Hospital (LTCH), Original Medicare covers Part A deductible $1408 in 2020 for the first 60 days for plans C, F, G, and N. However, does not cover Part A deductible for plans A and B. Furthermore, Part A deductible is only covered 50% on plan K and 75% on plan L.

In addition, United Healthcare and AARP Medigap plans pay for the following hospital services:

  • After the first 20 days in a skilled nursing facility, plans C, F, G, and N pay $176 coinsurance in 2020 up to 100 days. However, Medigap plans A and B have no skilled nursing facility benefits. However, plan K pays 50% coinsurance. In other words, you pay half. Likewise, plan L pays 75% coinsurance. So you pay 25%.
  • Between 61 days and 90 days in a Long-Term Care Hospital (LTHC), all plans pay $352 coinsurance each day in 2020. That’s a $10,560 benefit.
  • When a hospital has to buy blood for you, the first 3 pints of blood is covered by all plans except K and L. Medigap plan K covers 50% blood cost. Thus, you pay the other half. Medigap plan L covers 75% blood cost. So you pay 25%.

Long-Term Care Hospitals (LTCH) can treat inpatients for stays longer than 25 days. For example, patients may include people on ventilators for extended periods of time. In other cases, patients may have severe wounds or head injury.

UnitedHealthcare (AARP) Medigap Plans in 2020

Robert Bache, owner of Senior Healthcare Direct, goes through all AARP Medicare Supplement plans. In the video below, Robert says, “You can only get Plan C if you were eligible for Medicare before January 1, 2020”. Furthermore, if you are newly eligible for Medicare on or after January 1, 2020, then you are not eligible to purchase Plan C. Likewise, you can only get Plan F if were eligible for Medicare prior to January 1, 2020. Consequently, you can not purchase Plan F if you are newly eligible for Medicare in 2020. Watch the video below to find out which AARP Medicare Supplement plan is Robert’s favorite with low premiums.

Medicare Part A Deductible

Every UnitedHealthcare (AARP) Medigap plan covers and pays Part A deductible $1408 in 2020 except plans A, K, and L. Specifically, AARP plans B, C, F, high deductible F, G, and N all pay 100% of Part A deductible. However, plan K pays 50% and plan L pays 75% of Part A deductible. For example, if you had AARP plan K and were admitted as inpatient at Long-Term Care Hospital, you would have to come out of pocket $704 before Medicare pays anything.

Medicare Part B Medical Coverage

Medicare Part B ambulance services

All UnitedHealtcare (AARP) Medigap plans cover Part B coinsurance costs except plans K and L. For example, you need to use ambulance service to be transported to the nearest medical facility. As a result, Original Medicare Part B covers only 80%. With AARP Medigap plans A, B, C, F, high deductible F, G, and N the other 20% is covered. However, plan K pays 50% and plan L pays 75% of your 20% ambulance service. In addition, you will need to pay Part B annual deductible of $198 in 2020 if you have plans A, B, G, K, L, and N. However, the Part B deductible is covered by plans C and F.

In addition, United Healthcare AARP Medicare Supplement plans cover the pay for the following medical services:

  • When colorectal cancer screening discovers the presence of abnormal tissue (polyp) and the doctor removes a sample for later examination, AARP plans pay the 20% coinsurance for you.
  • After you pay $198 Part B deductible in 2020 (except plans C and F), AARP plans pay 20% coinsurance cost for diabetes self-management training.
  • For men over the age of 50, AARP plans pay 20% coinsurance cost for prostate cancer digital rectal exam after you pay $198 Part B deductible (except plans C and F).

United Healthcare AARP Medicare Supplement plans F and C cover and pay the $198 Part B deductible for you. In addition, Medigap plan N may require Part B copayments for some medical services.

United Healthcare AARP Medicare Supplement Plan N

AARP Medigap plan N will require you to pay Part B copayments in the following cases:

  • Outpatient visits to a medical facility will require you to pay up to $20 per visit
  • Outpatient Emergency room visits will cost you $50 copayment

The only exception to paying Part B copayment is staying at a medical facility for 24 hours or longer as inpatient. Otherwise, any outpatient medical services will result in you paying Part B copayment.

What is not covered by Medigap Plan N?

Medicare Supplement Plan N does not cover the annual Part B deductible of $198 in 2020. Furthermore, it does not cover Part B excess charges. Thus, AARP Medigap Plan N requires you to pay the annual $198 Part B deductible before AARP will cover any medical services.

Compare UnitedHealthcare (AARP) Medigap Plans

You can use the chart below to compare Medigap benefits side by side for all AARP plans. Benefits marked X do not cover that benefit. The 100% indicated the full benefit is covered. Other percentages only cover the benefit by that amount. For example, some plan K benefits only pay 50%. As a result, you would be responsible to pay the other half.

AARP Medicare Supplement Plans

AARP Medicare Supplement Plans F and G

AARP plans F, high deductible plan F, and G are the only Medigap plans which pay Medicare Part B excess charges. You can be charged Part B excess charges when your doctor does not accept Medicare assignment. For example, a non-participating doctor can either accept or not accept Medicare assignment. If your doctor does not accept Medicare assignment, you will have to pay a 15% excess charge without Medigap F or G. For instance, 15% of medicare-approved price is $400 would result in you paying $60 excess charge. However, if you have AARP Medicare Supplement Plan F or G, you can avoid Part B excess charges.

How to Avoid Medicare Part B Excess Charges

The easiest way to avoid Medicare Part B excess charges is to enroll Medigap plan F or G. Otherwise, you will need to check if your doctor accepts Medicare assignment. The Physician Compare tool shows you whether your doctor accepts Medicare assignment or not.

Shop and Compare Medigap Plan Prices

There are a number of benefits to using a Medicare insurance broker like Senior Healthcare Direct. A huge benefit is you can compare any Medigap plan with over 30 A-rated insurance carrier at Senior Healthcare Direct. This includes insurance brands you know and trust such as UnitedHealthcare AARP, Aetna, Mutual of Omaha, and many more. For example, we can compare Medigap Plan G prices with multiple carriers and choose the best price to save money. Call Senior Healthcare Direct at 1-855-368-4717 or click the get quote button below.

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Commonly Asked Questions About AARP

Who can get AARP Medigap plan?

You must be a member of AARP to get AARP Medigap plan.

Is AARP owned by UnitedHealthcare?

No, AARP endorses the AARP Medicare Supplement Insurance Plans which are insured by UnitedHealthcare Insurance Company.

Does AARP include SilverSneakers?

No, it does not include Silver Sneakers. However, it does include a gym membership called Renew Active.

Why did AARP drop SilverSneakers?

UnitedHealthcare, the insurer for AARP, dropped Silver Sneakers because 90 percent of UCH members who are eligible for SliverSneakers did not use the benefit.

Mutual of Omaha Medicare Supplement Plans

Mutual of Omaha Medicare Supplement Plans

Mutual of Omaha Medicare Supplement Plans

Mutual of Omaha is a Top Medicare Supplement insurance company and offers the Medigap Plans A, F, High deductible F, G, and N. Specifically, Mutual of Omaha Medicare supplement plans include the following coverage benefits.

Medicare Part A Hospital Coverage

All Mutual of Omaha Medigap plans cover Medicare Part A coinsurance costs. For example, you are inpatient at skilled nursing facility, Original Medicare only pays 80% of your Part A hospital coverage. However, any Mutual of Omaha Medigap plan will pay the remaining 20%. In addition, Mutual of Omaha plans pay for the following hospital services:

  • After the first 20 days in a skilled nursing facility, Mutual of Omaha plans pay $176 coinsurance in 2020 (except plan A) up to 100 days. That’s a $14,080 benefit.
  • Between 61 days and 90 days in a Long-Term Care Hospital (LTCH), Mutual of Omaha plans pay $352 coinsurance each day in 2020. That’s a $10,560 benefit.
  • When a hospital has to buy blood for you, the first 3 pints of blood is covered by Mutual of Omaha plans.

Skilled Nursing Facility care includes Medicare-covered services such as semi-private room (shared with other patients), meals, and medications. In a skilled nursing facility, you can receive physical therapy, occupational therapy, and dietary counseling. When other transportation endangers your health, you can get ambulance transportation to another facility nearby.

Mutual of Omaha Medigap Plans in 2020

MedicareBob aka Robert Bache, owner of Senior Healthcare Direct, goes through all Mutual of Omaha Medigap plans. In the video below, Robert says, “You can only purchase Plan F if you were eligible for Medicare before January 1, 2020”. In other words, anyone newly eligible for Medicare in 2020 can not buy Medigap plan F. Watch the video to find out how much of a discount Mutual of Omaha offers on Plan G and why MedicareBob calls Plan G the greatest value.

Medicare Part A Deductible

Every Mutual of Omaha Medigap plan covers and pays Part A deductible $1408 in 2020 except plan A. In other words, Mutual of Omaha plans F, high deductible F, G, and N all cover Medicare Part A deductible. For example, if you had Mutual of Omaha plan A and became inpatient at Skilled Nursing Facility, you would have to come out-of-pocket $1408 before Medicare pays anything.

Medicare Part B Medical Coverage

All Mutual of Omaha Medigap plans cover Part B coinsurance costs. For example, you get glaucoma test because you are at high risk for glaucoma. As a result, Original Medicare only covers 80%. With any Mutual of Omaha Medigap plan it covers the other 20%. You are at high risk for glaucoma if you have one or more of the following:

Medicare Part B medical coverage glaucoma test
  • Diabetes
  • Family history of glaucoma
  • African American age 50 or older
  • Hispanic age 65 or older

Moreover, for glaucoma tests you pay Medicare Part B deductible $198 in 2020 for all Mutual of Omaha Medigap plans except plan F. Glaucoma causes blindness. Vision loss from glaucoma is not reversible. In other words, there is no medical treatment to reverse glaucoma disease. However, if testing detects glaucoma, your eye doctor can prscribe preventive treatment. Thus, it is important you have regular eye exams.

In addition, Mutual of Omaha Medicare Supplement plans cover and pay for the following medical services:

  • When colorectal cancer screening discovers the presence of abnormal tissue (polyp) and the doctor removes a sample for later examination, Mutual of Omaha plans pay the 20% coinsurance for you.
  • After you pay $198 Part B deductible in 2020 (except plan F), Mutual of Omaha plans pay 20% coinsurance cost for diabetes self-management training.
  • For men over the age of 50, Mutual of Omaha plans pay 20% coinsurance cost for prostate cancer digital rectal exam after you pay $198 Part B deductible in 2020 (except plan F).

Mutual of Omaha Medicare Supplement Plan F covers and pays the $198 Part B deductible for you. In addition, Medigap Plan N may require Part B copayments for some medical services.

Mutual of Omaha Medicare Supplement Plan N

Mutual of Omaha Medigap Plan N may require you pay Part B copayments in the following cases:

  • Visits to some medical offices may require you to pay up to $20 per visit
  • Emergency room visits when you are not admitted as inpatient may require you to pay up to $50 copayment

What is not covered by Medigap Plan N?

Medicare Supplement Plan N does not cover the annual Part B deductible of $198 in 2020 nor does it cover Part B excess charges. Thus, Mutual of Omaha Medigap Plan N requires you to pay an annual $198 Part B deductible before Mutual of Omaha will cover any medical services.

Compare Mutual of Omaha Medigap Plans

Use the chart below to compare Medigap benefits side by side for all Mutual of Omaha Plans: A, F, High deductible F, G, and N. The spaces marked X do not cover that benefit. Foreign Travel Emergency benefit only covers 80%. As a result, Medicare beneficiaries pay the remaining 20%.

Mutual of Omaha Medicare Supplement benefits chart

Mutual of Omaha Medicare Supplement Plans F and G

Mutual of Omaha plans F, high deductible F, and G are the only plans which cover and pay Medicare Part B excess charges. You can be charged Part B excess charges when your doctor does not accept Medicare assignment. For example, a non-participating doctor can either accept or not accept Medicare assignment. If your doctor does not accept Medicare assignment, you will have to pay a 15% additional charge without Medigap Plan F or G. In other words, if you have Mutual of Omaha Medicare Supplement Plan G or F, you can avoid Part B excess charges.

How to Avoid Medicare Part B Excess Charges

Apart from having Medigap Plan G or F, you can avoid Medicare Part B excess charges by checking if your doctor accepts Medicare assignment. The Physician Compare tool allows you to view which doctors accept Medicare Assignment.

Shop and Compare Medigap Plan Prices

A Medicare insurance broker like Senior Healthcare Direct can shop your Medigap plan with all major insurance carriers in your area so you get the best price. Senior Healthcare Direct can compare Medigap plan prices for whichever plan best suits your needs. For example, we can compare Medigap Plan G prices with insurance brands you know and trust such as Aetna, Mutual of Omaha, and UnitedHeathcare (AARP). When you shop and compare plan prices with multiple carriers you can choose the best price and save money. Call Senior Healthcare Direct at 1-855-368-4717 or click the get quote button below.

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Aetna Medicare Supplement Plans

Aetna Medicare Supplement Plans

Aetna Medicare Supplement Plans

Aetna is a Top Medicare Supplement insurance company and offers the following Medigap plans: A, B, F, High deductible F, G, and N. Aetna’s Medicare supplement plans include the following benefits no matter which plan you choose.

Medicare Part A Hospital Coverage

All plans include 100% coverage for Medicare Part A coinsurance. For example, if you get admitted as hospital inpatient, Original Medicare Part A only covers 80% of your hospital bills. However, all Aetna Medigap plans will cover the other 20%. In addition, Aetna supplement plans cover and pay the following hospital services:

  • After the first 20 days of skilled nursing, Aetna plans pay $176 coinsurance in 2020 (except plans A and B) up to 100 days. That’s a $14,080 benefit.
  • Between 61 days and 90 days in a Long-Term Care Hospital (LTCH), Aetna plans pay $352 coinsurance each day in 2020. That’s a $10,560 benefit.
  • When a hospital has to buy blood for you, the first 3 pints of blood is covered by Aetna plans.

Long-term Care Hospitals are designed to treat patients for periods longer than 25 days. For example, these hospitals may treat patients on ventilators for an extended period of time or patients with severe wound or head injury. Since LTCH is not a skilled nursing facility, all Aetna Medigap plans cover this benefit.

Aetna Medigap Plans in 2020

Robert Bache, owner of Senior Healthcare Direct, goes through all the Aetna Medigap plans including household discounts which lowers your monthly premiums.

Medicare Part A Hospital Deductible

All Aetna Medigap plans cover and pay Part A deductible $1408 in 2020 except plan A. In other words, Aetna plans B, F, high deductible F, G, and N all cover Medicare Part A deductible. For example, if you had Aetna Medigap plan A and were admitted to the hospital as inpatient, you would have to come out-of-pocket $1408 before Medicare covered any of your hospital bills.

Medicare Part B Medical Coverage

In addition, every Aetna Medigap plan includes 100% coverage for Medicare Part B coinsurance. For example, when you visit a doctor’s office for outpatient service, Original Medicare Part B only covers 80% of your medical bills. With any Aetna Medigap plan it covers the other 20%. In addition, Aetna supplement plans cover and pay for the following medical services:

  • When colorectal cancer screening discovers the presence of abnormal tissue (polyp) and the doctor removes a sample for later examination, Aetna plans pay the 20% coinsurance for you.
  • After you pay $198 Part B deductible in 2020 (except plan F), Aetna plans pay 20% coinsurance cost for diabetes self-management training.
  • For men over the age of 50, Aetna plans pay 20% coinsurance cost for prostate cancer digital rectal exam after you pay $198 Part B deductible in 2020 (except plan F).

Aetna Medicare supplement plan F covers and pays the $198 Part B deductible for you. In addition, Medigap plan N may require Part B copayments for some medical services.

Aetna Medicare Supplement Plan N

Aetna Medigap Plan N may require you pay Part B copayments in the following cases:

  • Some medical office visits may require you to pay up to $20 per visit
  • Emergency room visits which do not result in inpatient admission may require up to $50 copayment

Compare Aetna Medigap Plans

You can use the chart below to compare Aetna Medigap Plans A, B, F, G and N. The spaces marked X do not cover that benefit. Foreign Travel Emergency benefits cover 80%. Consequently, the Medicare beneficiary pays the remaining 20% of the Medicare-approved amount.

Aetna Medicare Supplement Plans

Aetna Medicare Supplement Plans F and G

Aetna Medigap plans F, high deductible F, and G differ from other plans Aetna plans. Only these Aetna Medicare Supplement plans cover and pay Medicare Part B excess charges. Most doctors accept Medicare assignment and submit claims directly to Medicare. In this case, you are billed the Medicare approved amount. These doctors are called participating doctors. However, non-participating doctors can either accept or not accept Medicare assignment. If your doctor does not accept Medicare assignment, you will have to pay a 15% additional charge without Medigap Plan F or Plan G. In other words, if you have Aetna Medicare supplement plan G or F, you can avoid Part B excess charges.

However, if you do not have Medigap plans F or G, you can still avoid a Medicare Part B excess charges. You will need to research your doctor by using the Physican Compare tool and check if your doctor accepts Medicare Assignment.

How Does Aetna Prices Compare?

When you shop Medicare Supplement plans with a Medicare insurance broker like Senior Healthcare Direct, we can find you the best prices. We sell Medigap plans from all major insurance carriers such as Aetna, Mutual of Omaha, UnitedHealthcare (AARP) and many more. When you compare prices of Medigap plans with multiple carriers, you can get the best price and save money. Call Senior Healthcare Direct at 1-855-368-4717 or click the get quote button below.

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Top 10 Medicare Supplement Insurance Companies

Top 10 Medicare Supplement Insurance Companies in 2020

medicare supplement insurance companies

Senior Healthcare Direct put together a list of the top 10 Medicare Supplement (Medigap) insurance companies to help you compare and find a Medigap plan with the coverage and benefits you need in 2020. Original Medicare only cover 80% of Part A and Part B. Medicare supplement plans cover the remaining 20%. All Medicare Supplement plans pay your Part A (hospital) coinsurance costs. In addition, most Medigap Plans pay your Part B (medical) coinsurance costs except for plans K and L.

In addition to coinsurance benefits, Medicare Supplement (Medigap) plans pay your Part A and/or Part B deductibles. For example, Medigap plans B, C, D, F, G, and N pay your Part A deductible $1408 in 2020. Furthermore, Medigap plans C and F pay your Part B deductible $198 in 2020. However, if you are newly enrolled in Medicare after January 1, 2020, these Medigap plans C and F will not be available to you. As a great alternative, Senior Healthcare Direct recommends people new to Medicare consider plan G.

Medigap Plans are Standardized for all insurance companies

All Medicare Supplement insurance companies provide the same standardized benefits based on your plan letter. For example, Medigap Plan G benefits are the same for all Medigap insurance carriers. Thus, you can compare Plan G prices among two or more insurance companies and your Medicare benefits will be the same. As a result, most people choose the lowest premium when comparing insurance carriers because they all have the same coverage benefits.

Coverage Differences among Medicare Supplement Insurance Companies

There are two coverage differences between Medigap insurance companies. First, different Medigap Plans are offered by different Medigap companies. For example, Aetna only offers Medigap plans A, B, F, G, and N. However, United Healthcare (AARP) offer the same Medigap Plans plus plans K and L. The second difference is number of State Medigap insurance companies service. For example. Aetna services 42 states and United Healthcare (AARP) services 50 states.

The chart below lists the top Medicare Supplement Insurance Companies including the available Medigap plans and number of states served. You can use this chart to help select the companies who offers the Medigap plan with the coverage and benefits you need in 2020.

Top 10 Medicare Supplement Insurance Companies

The following list of Medigap insurance companies are in no particular order. Some of these Medicare providers may or may not be in your state.

medicare supplement insurance companies

Most Important Difference Between Medicare Providers

The most important difference and the biggest benefit of working with a Medicare insurance broker like Senior Healthcare Direct is price. All Medicare providers listed in our top 10 offer Medigap Plan F. However, each Medicare provider will have a different price for the same Plan F coverage. Thus, a huge benefit of working with Senior Healthcare Direct is you can compare prices of all Medicare carriers in your state for the Medigap plan you want. For example, you may consider the cost savings and great coverage of Medigap Plan G. When we compare Medicare Supplement companies, you may find Manhattan Life has the lowest Plan G price. Senior Healthcare Direct can help you compare Medigap plans and save money. Get your Free Quote.

Aetna in 2020

Aetna is one of the largest insurance providers in the U.S. It was founded 167 years ago in 1853. So if you like a company with a solid history, then Aetna may be a good choice. Medicare was enacted by congress in July 1965 and Aetna paid its first Medicare claim the following year in 1966.

The company has been listed on the New York Stock Exchange (NYSE) since 1968. So you can buy Aetna stock ticker AET and invest in this company. In 2020, Aetna’s financial strength is rated A (excellent) with stable outlook by AM Best. So if you want a financially strong insurance carrier, then Aetna is a great choice.

You can shop Aetna Medicare Supplement Insurance plans with Medicare insurance broker Senior Healthcare Direct by calling 1-855-368-4717.

aetna logo

Mutual of Omaha in 2020

mutual of omaha logo

Mutual of Omaha is a Fortune 500 company based in Omaha, Nebraska. In contrast to Aetna and other stock insurance companies, Mutual of Omaha is a mutual insurance company. The policy holders of Mutual of Omaha own the company in its entirety. As a result, any profits earned by Mutual of Omaha are either retained by the company or paid to you (policy holders) in the form of dividend distributions or reduce future premiums.

However, in 1998 all of the membership interests of Mutual of Omaha Insurance Company was extinguished. Consequently, such members became member of the Mutual Holding Company. After this reorganization, the Mutual Holding Company will not be permitted to pay dividends. For example, you will not receive distributions or payments of income or profits. As a result, you receive no financial benefit from being a Mutual of Omaha policy holder.

On January 24, 2020 Bloomberg reported AM Best financial strength rating is A+ (Superior) and long-term issuer credit rating is aa- for Mutual of Omaha. Thus, if you want a financially strong insurance carrier with a stable credit rating, then Mutual of Omaha is a great choice. You can shop Mutual of Omaha Medicare Supplement plans at Senior Healthcare Direct by calling 1-855-368-4717.

UnitedHealthcare (AARP) in 2020

AARP plans are issued by Unitedhealthcare, the nation’s largest healthcare company in the world by revenue. You most likely heard of UnitedHealthcare. It’s ranked 6th on 2019 Fortune 500. It’s a public company traded on the NYSE under UNH. AM Best financial strength rating is A (Excellent) and long-term credit rating is a- for UnitedHealthcare. So if you like the security of a huge health insurance company with a strong financial rating, then UnitedHealtcare is an excellent choice.

Unitedhealthcare provides health insurance for businesses small and large. Before you retired, you may have had an employer group insurance plan with UnitedHealthcare. You may also have experienced UnitedHealthcare’s innovative, easy-to-use tools to help manage your health plan costs. For example, health care services such as online doctor visits and Care24 gives employee more options for taking care of their health. Thus, if you want to be insured by the largest health insurance company in the United States, then UnitedHealthcare (AARP) is a great choice.

You can shop UnitedHealthcare (AARP) Medicare Supplement plans at Senior Healthcare Direct by calling 1-855-0368-4717.

Better Customer Service with a Medicare Insurance Broker

How quickly can customer service resolve your issues? When you call a huge insurance provider like UnitedHealthcare, you may be transferred multiple times before you finally speak with someone who can help. However, when you purchase a Medicare Supplement plan thorough a Medicare insurance broker such as Senior Healthcare Direct, any member of our support team can help resolve your issue. When we take your call, you will not be transferred around. A member of our dedicated customer support team can help you fix billing errors, write Medicare appeals, and solve pharmacy exceptions when you can’t get your medications.

Watch the Coffee with MedicareBob video with guest Sue Wagner from our customer support team.

In this video interview with Robert Bache, owner of Senior Healthcare Direct, guest Sue Wagner explains how she “does a three-way call” with a client’s insurance carrier. Our customer support helps prevent you from paying for two Medicare plans at the same time. Thus, we help cancel the old policy with your current provider when you switch to a different provider.

It’s easy to shop and save on Medicare Supplement plans. Click the get quote button below to compare prices of Medicare Supplement companies in your area.

medicare supplement plan quote

Medicare Supplement Insurance Underwriting

Medicare Supplement Insurance without Underwriting

medicare supplement insurance underwriting

Medicare Supplement insurance underwriting is NEVER required when you are first eligible and Apply for Medicare during your initial Open Enrollment Period (OEP). This is a 7-month period: 3 months before you turn 65, the month you turn 65, and 3 months after you turn 65. As a result, you can NEVER be disqualified for coverage based on your health condition during this period. In other words, you can have health conditions and your coverage will NOT be denied. Moreover, the plan can NEVER charge more if you have health issues during OEP. When you apply for Medicare during this period your acceptance into a Medigap Plan is guaranteed. According to Medicare.gov the best time to buy a Medigap policy is during your open enrollment period.

When is Medigap insurance underwriting required?

  • If the first time you enroll in Medicare Supplement Plan is AFTER your initial Open Enrollment Period, Medigap underwriting is required. In other words, you did NOT apply for Medicare during your initial OEP.
  • When you switch to a different Medigap Plan after your initial Open Enrollment Period, then underwriting is required.
  • Likewise, when you switch from Medicare Advantage Plan to Medigap Plan after your initial OEP, then underwriting is required.

Medigap State Birthday Rule

Medigap State Birthday Rule

In Oregon and California, Medicare beneficiaries can shop Medigap Plans within 30 days a birthday month with no underwriting. Specifically, you have a total of 61 days to enroll in Medigap Plan without underwriting: 30 days before your birthday, on day of birth, and 30 days after your birthday. In addition, applicants must have an existing Medigap policy in place. Senior Healthcare Direct can help you shop and save on Medicare Supplement Plans by calling 1-855-368-4717 or get you quote. When you find a plan you want, applying is fast and easy because there is no medical underwriting questions.

Likewise, in the state of Washington Medicare beneficiaries can shop Medigap

How To Switch Medigap Plans

Robert Bache, owner of Senior Healthcare Direct says, “Switching your Medigap plan has never been easier. It takes about 15 mintues and you can do it right over the phone.” Call 1-855-368-4717 to speak with a licenses agent and help you save money on your Medicare Supplement plan.

No physical or labwork is necessary to switch to Medigap plans. Answering health questions and an underwriting interview over the phone is all that is required to switch Medicare Supplement Plans. In the video below, Robert Bache shows application questions asked by Mutual of Omaha to qualify for their Medigap plans.

Underwriting Questions For Medigap Policies?

Anytime you apply for Medicare Supplement Plan (Medigap) outside your initial Open Enrollment Period (OEP), you will have to answer underwriting questions. Medigap policies are sold by private insurance companies. As a result, some underwriting questions insurance carriers ask will be different. However, many insurance companies ask similar questions. The following are the most common underwriting questions:

What is your height and weight?

The median (middle) American male height is 5 foot 10 inches and median weight is 198 pounds. The median American female height is 5 foot 4 inches and median weight is 170 pounds. If your weight is normal and you have no health conditions, then you will have no problem qualifying for health insurance. On the other hand, if you are underweight or overweight (obese), you can still qualify for health insurance coverage with increase in premium. However, if you are severely underweight or severely obese, then you will be denied by Medicare Supplement insurance underwriting. For height and weight guidelines, use the Body Mass Index chart below:

Body Mass Index chart

Acccording to Body Mass Index (BMI) chart above, the median American male and female has BMI of 29. Therefore, the middle value of all Americans bodies is overweight and almost obese. In fact, the Centers for Disease Control and Prevention (CDC) reports the percent of adults age 20 and over with overweight including obese is 71.6%. If your BMI is 19 to 24 (optimal), then you are normal weight and will pass Medicare Supplement insurance underwriting. In addition, you may qualify for health coverage with BMI of 17 to 18 (underweight) or BMI of 25 to 35 (overweight to middle obese) depending on other health conditions. However, you may not qualify for health coverage with a BMI over 35 when you have other health conditions. Any applicant with BMI of 40 or higher (severely obese) will not pass Medicare Supplement insurance underwriting.

Do you require assistance for activities of daily living?

Underwriting may ask you questions about activities of daily living including: eating, toileting, bathing, and dressing. In addition, underwriting will ask you questions about other instrumental activities of daily living. For example, underwriting may ask about activities such as shopping, meal preparation, housework, laundry, and taking medications. If you are unable to perform these daily living activities without assistance, then you will not be approved by Medicare Supplement insurance underwriting.

Do you have any of the following health conditions?

Anyone with a chronic, incurable health condition may be disqualified for health coverage. Medicare supplement applications have a long list of health condition questions including the following:

hypertension chronic health condition
High blood pressure, also called hypertension, is a chronic condition that if not properly managed can lead to heart disease and stroke.
  • Any cardio-pulmonary disorder requiring oxygen
  • Implantable cardiac defibrillator
  • Chronic Hepatitis B, C, D
  • Chronic Kidney/Renal Disease
  • Dementia and other cognitive disorders
  • Chronic Obstructive Pulmonary Disease (COPD)
  • Immune deficiency disorders like MS, AIDS, or Lupus
  • Nervous system conditions, such as Parkinson’s
  • Taking any medication that must be administered in a physician’s office

Coverage For Well-Controlled Diabetes and Hypertension

These chronic health conditions and other related conditions will disqualify you for health coverage. However, Medigap insurance company (Mutual of Omaha) may consider coverage for people with diabetes and hypertension who have well-controlled cases. For example, if your diabetes or hypertension had no changes in treatment or medications for at least two years, then your case is well-controlled. Moreover, your case is considered well controlled and insurable if you take no more than two medications (two for diabetes and two for hypertension). Furthermore, hypertension is considered stable if recent average blood pressure readings are 150/85 or lower. A well-controlled diabetes and hypertension case can be approved by Medicare Supplement insurance underwriting.

On the other hand, if you have diabetes (insulin dependent or treated with oral medication) and have one or more complicating conditions, you will not be eligible for coverage. For example, complications include:

  • Eye or vision problems
  • Numbness or tingling in the toes or feet
  • Circulation problems or pain in the legs

Do you take any of the following medications?

When you apply for Medigap coverage, you will be asked to list all the medications you have taken over the last two years. Moreover, the Medicare Supplement insurance company uses a underwriting system called Gen Re to look up all your prescription from pharmacies.

There is a very long list of medications which can disqualify your application. In general, these are drugs people take for chronic and incurable conditions. Some of these uninsurable medications include:

medicare supplement insurance underwriting
  • Alzheimer’s / Dementia drugs such as Cognex
  • Cancer drugs such as Lupron and Zoladex
  • Rheumatoid Arthritis drugs such as Methotrexate more than 25mg/wk
  • Opioid (narcotics) such as Fentanyl
  • Insulin more than 50 units per day for diabetes
  • Prednisone (corticosteroid) more than 10mg per day

Acute Health Conditions Will Pass Underwriting

Acute health conditions appear suddenly and often last a short time. For example, getting a cold or the flu may only last a few days. Furthermore, a broken bone, seasonal allergies, or urinary tract infection are acute conditions as well. On the other hand, osteoporosis a disease resulting in low bone density is a chronic condition. As a result, bones become more fragile over time and the risk of fracture is greatly increased. When applying with Mutual of Ohama to switch Medigap plans they ask, “Do you have Osteoporosis, and as a result, experienced a fracture?” Thus, if you had fractures from Osteoporosis, the you will be denied coverage.

In general, you can apply for Medicare Supplement insurance with an acute health condition and pass underwriting.

Finish Pending Surgeries and Treatments Before You Apply

Medicare Supplement insurance underwriting will deny coverage if an applicant has a pending surgery or treatment. For example, if you have an upcoming test / procedure / or labwork, it needs to be completed before you apply. In addition, physical therapy will need to be completed as well. Thus, you will need to complete the surgery and any follow-up visits or therapy before you apply.

Other Ways Underwriting Denies Coverage

Even after surgery is complete, some Medicare Supplement insurance underwriting may require a waiting period. For example, after major surgery such as knee replacement, the waiting period could be a year or two. Furthermore, underwriting can deny coverage if you are receiving home health care or have been hospitalized 2 or more times in the last 2 years. Likewise, coverage will also be denied if you are living in a nursing home. A commonly asked application question:

Are you currently hospitalized, confined to a bed, in a nursing facility or assisted living facility, receiving home health care or physical therapy?

By answering yes to the above question, underwriting will deny coverage. Another health condition people ask about is cancer. Most Medigap underwriting requires 2 years of cancer-free (in remission) before they approve coverage.

Underwriting may deny coverage based on mental health conditions. An application question may ask:

Do you now or in the last 2 years been treated for (including surgery) or advised by a medical professional to have treatment for major depression, bipolar disorder, schizophrenia, or a paranoid disorder?

Chronic mental disorders can cause Medicare Supplement insurance underwriting to deny coverage. However, seeing a therapist or taking a mild anti-depressant would pass underwriting.

How to Avoid Medicare Policy Delays

To avoid Medicare policy delays, it is important you give correct information. After speaking with a licensed agent at Senior Healthcare Direct, the policy is processed by our customer support team. To speed up the process our customer support team does a followup interview with the insurance underwriter. For example, you can avoid policy delays by giving the correct spelling of your last name as it appears on your Medicare card. In addition, more information may be required from your doctor to get your application approved. For an inside look at the underwriting process watch Robert Bache interview customer support team member Tammy Hess in the video below.

Read More: Medigap Mondays – Medicare Supplement Plans (Medigap)

Medicare Plan F and G

Which is Better Medicare Plan F vs. Plan G?

In the video above, Robert Bache, owner of Senior Healthcare Direct, compares Medicare Plan F and Plan G. MedicareBob covers two important changes to Medicare in 2020. First, MACRA law is now in effect and you should have a new Medicare ID card. This law helps protect seniors from identity theft. It removes social security numbers and replaces them with a number that is unique to you. In the video, we show you the old Medicare card. Once you have your new Medicare card, you can destroy this old card. Get all 10 Things to know about your New Medicare card.

Your New Medicare Card

Second, MACRA law changed Medicare coverage for people newly eligible for Medicare in 2020. For example, if you are turning 65 or otherwise qualify for Medicare because of disability or terminal illness, then this MACRA law applies to you. However, if you had Medicare prior to 2020, then MACRA law change does not apply to you. For people newly eligible for Medicare in 2020, you will not be eligible for Plan F or Plan C. In other words, you can not get Plan F or Plan C. Therfore, the most comprehensive Medicare Plan you can get is Plan G.

Medicare Plan G vs. Plan F

So what’s the difference between Medicare Plan G vs Plan F? There are two big difference between Medicare Plan F and Plan G. First, Plan G has lower premiums than Plan F. Second, Plan G requires you to pay $198 Deductible in 2020. When you compare the lower premium benefit of Plan G, you can save $500 or more. In other words, Plan F will cost you $500 or more in premiums than Plan G.

Medicare Plan G Cost and Benefits

So what does Medicare plan G cost? In the video, MedicareBob says, “You pay a monthly premium usually between $80 to $120 per month.” In addition, you pay an annual deductible of only $198 once per year. Medicare Plan G pays the 20% coinsurance cost that original Medicare does not pay. For example, your doctor visit costs $400. Medicare Part B only covers 80%. You are responsible to pay 20% or $80. Your Medicare Plan G will pay this $80 doctor visit.

Is Medicare Plan G better than Plan F?

In the video, MedicareBob says, “You will want to go from Plan F to Plan G.” There are two big reasons to switch from Plan F to Plan G. The reasons you will want to switch is simple math. MedicareBob says, “When you look at Plan F compared to best Plan G, you will save $500 to $1500 in annual premium.” This is why Senior Healthcare Direct calls Plan G the “Greatest Value”. Plan G gets you the same comprehensive Medicare coverage of Plan F and saves you money with lower monthly premiums. The only difference is you pay one-time annual deductible of $198 in 2020 with Plan G.

When Can I Switch From Plan F to Plan G?

The good news is you can switch from Plan F to Plan G anytime. You do not have to wait until annual enrollment. You can call Senior Healthcare Direct today at 1-855-368-4717 or click the get your quote button.

medicare-supplement-plan-g-quote

Silver Sneakers Medicare Plans

What is Silver Sneakers?

medicare plans silver sneakers

Silver Sneakers is a health and fitness program for Medicare beneficiaries 65 years or older. Thus, if your a senior Medicare Plans may pay for Silver Sneakers. Members of Silver Sneakers have access to thousands of gyms, community centers, and other participating fitness location across the nation. As a member you can take classes designed for seniors of all fitness levels led by trained instructors. In addition, you have access to on-demand video library of classes and workouts. You can even download the SilverSneakers GO app to get your digital membership card and workouts. The app is free and available on IOS and Android devices. Most important, Silver Sneakers is a place for seniors to find a friendly, supportive community in person and online.

Why Join Silver Sneakers?

Silver Sneakers helps you stay strong in body, mind, and spirit. Regular physical activity keeps your heart, brain, bones, muscles, and joints healthy. For instance, if you have a chronic condition like arthritis, diabetes, or osteoporosis, safe exercise can help you feel better. In addition, staying social in the Silver Sneakers community is vital to your good health.

Silver Sneakers Program

The Silver Sneakers program includes a basic membership at any participating gym. Facilities and amenities vary by location, however, many Medicare Silver Sneaker gyms include the following:

  • Cardio equipment, including treadmills and ellipticals
  • Strength training equipment, such as weights and strength machines
  • Amenities, such as pools and walking tracks

Unlike other senior gym memberships, you can go to all fitness locations in the Silver Sneakers network. You can visit over 17,0000 Medicare Silver Sneaker locations across the United States.

Silver Sneaker program includes many types of exercise classes. You will find a variety of fun exercises classes designed for seniors of all fitness levels. Classes vary by location, but you will often find the following:

Silver Sneakers Program
  • Cardio and strength classes, which often include a chair for support
  • Water aerobics classesChair and standing yoga classes
  • Tai Chi, boot camp, and many other classes!

The instructors who lead Silver Sneaker classes are friendly and supportive. If you are new to a class, the instructor can help you learn how to do exercises safely. Furthermore, if you have limited mobility, instructors can adapt exercises for your needs.

Do you want to try something different from traditional gyms? You might like to try Silver Sneakers FLEX classes. The Silver Sneakers program offers more than 70 kinds of classes through its FLEX network. You can visit many different locations such as churches, community centers, or recreation centers. Some FLEX classes meet outdoors and many FLEX class sizes are smaller than gym classes.

Where to Find Silver Sneakers Locations and Classes?

You can find a Silver Sneakers locations and classes near you using the locator tool. You can go to any participating location or class you want in the Silver Sneakers network. For example, you can use weights in one location, go swimming at another location, and take a Silver Sneakers or FLEX class at a third location.

Medicare Plans with Silver Sneakers

You can find Silver Sneakers with Medicare Supplement Plans or Medicare Advantage Plans. However, you are less likely to find Silver Sneakers included in a Medicare Supplement Plans. A few of the Medicare insurance companies that may offer you Silver Sneakers Medigap Plans include:

  • AARP
  • Bankers Life aka Colonial Penn Life Insurance
  • Blue Cross Blue Shield

Depending on your location, Medicare plans with Silver Sneakers may be covered by Medicare Supplement Plan F or Plan G. However, more insurance companies offer Silver Sneakers with Medicare Advantage Plans including:

  • Aetna
  • Blue Cross Blue Shield
  • Humana
  • Mutual of Ohama
  • UnitedHealthcare
  • Well Care

You are more likely to find a Medicare Advantage Plan with Silver Sneakers than a Medicare Supplement Plan.

Silver sneakers enrollment

During Medicare Open Enrollment Period, you can switch to a Medicare Advantage Plan with Silver Sneakers between January 1 and March 31. To switch your Medicare Advantage Plan, you must be in a Medicare Advantage Plan now. Otherwise, you will need to wait until Annual Enrollment October 15 thru December 7. However, if you have Medicare Supplement Plan, you can shop a new Medigap Plan with Silver Sneakers anytime all year long. You can speak with a licensed agent about switching your Medicare Advantage Plan or Medicare Supplement Plan at Senior Healthcare Direct 1-855-368-4717. Otherwise, you can click the get quote button below.

medicare plans silver sneakers

Common Questions About silver sneakers

Does Medicare Cover Silver Sneakers?

Silver Sneakers is covered by many Medicare plans. For example, Silver Sneakers is covered by many Medicare Advantage Plans and Medicare Supplement Plans.

Does traditional Medicare cover Silver Sneakers?

Unfortunately, Original Medicare Part A and Part B does not offer or include Silver Sneakers.

Is Silver Sneakers available to anyone on Medicare?

To be eligible for Silver Sneakers you must be 65 years or older. Some people qualify for Medicare because of disability and are younger than 65.

Does Medicare Pay for Silver Sneakers?

If your Medicare Supplement Plan or Medicare Advantage Plan includes Silver Sneakers, then Medicare pays for Silver Sneakers.

Medicare Supplement Plan F Rates

Medicare Supplement Plan F Rates

Medicare Supplement Plan F rates in 2020 will increase more than normal for a number of reasons. A big reason is MACRA law.

What is MACRA?

MACRA is the Medicare Access and CHIP Reauthorization Act of 2015. This law will become effective January 1, 2020 and will change Medicare supplement plans in all states. MACRA is a federal law that will change who can buy Medigap Plans F, High F, and C. Starting in 2020, only beneficiaries of Medicare who are not newly eligible can keep Plan F, High F and C. In other words, if you are new to Medicare, you will not be eligible for Plan F, High F, and C.

New Medicare Cards

In addition, MACRA law requires the removal of Social Security Numbers (SSNs) from all Medicare cards. As a result, the new Medicare Number (sample shown below) helps to prevent identify theft and taxpayer fraud.

medicare supplement plan f costs
New Medicare Card

MACRA is a value-based program

MACRA law reforms how health care is delivered and paid for. For example, instead of paying providers solely on the number of patients serviced (quantity), value-based programs reward health care providers with incentive payments for the quality of care they give to people on Medicare. Value-based programs provide you with better care. Consequently, this results in healthier populations and lowers the cost of health care. Get more info on value-based programs.

What are the “Newly Eligible” Medigap Plans?

People who will enroll in Medicare for the first time are “newly eligible”. You become eligible for Medicare when you turn age 65, have a qualifying disability or a terminal illness such as end-stage renal disease. In other words, if you already had Medicare Part A and B in 2019, then you are NOT considered “newly eligible” and the MACRA rules do not apply to you. People newly eligible for Medicare in 2020 have the following guaranteed issue plans: Plans D, G, and high deductible G (which is brand new!) Learn more about Medicare Supplement Plans (Medigap).

Is Medicare Supplement Plan F going away in 2020?

Medigap Plan F will not be available for people “newly eligible” in 2020. However, Medicare Supplement Plan F will still be available to existing Medicare enrollees. For example, if you had Medicare Parts A and B on or before 2019, you will still have the option of enrolling in Medigap Plan F. Moreover, according to Robert Bache, owner of Senior Healthcare Direct, “We are going to see record Medicare premium rate increases for Medicare Supplement Plan F in 2020.” Watch MedicareBob’s video below for details:

When you get a big rate increase on Plan F, what can you do?

In the video above, MedicareBob says, “When you do get that increase… You do not have to keep Plan F until October. You are allowed to shop all year long!” In other words, you can shop and save on your Medicare Supplement Plan F anytime in 2020. So when you get that big rate increase on Plan F, the solution is easy. You just click the “Get Quote” button below and one of our licensed agents will give you a call. Furthermore, as MedicareBob says in the video, “Just one agent will give you a call. You are not going to be bombarded with phone calls.” Moveover, “The reason you want to speak to one of our agents is we are licensed with all the top Medicare companies. So we will help you get the most cost effective Medicare Supplement plan for 2020.”

Click the “Get Quote” button below and save money on your Medicare Supplement plan.

medicare supplement plan f costs

Medicare Supplement Plans in Your State

Medicare Supplement Plans Nationwide

medicare supplement plans in your state

Shop and Save on Medigap plans in your State

MedicareBob shares three things you should know about Medicare Supplement (Medigap) plans in your State.

  1. You can shop and save today. There is no December 7th deadline. Therefore, you can shop and save all year.
  2. The letter of your Medicare Supplement plan determines your coverage benefits (not the insurance carrier). Since all Medicare Supplement plans are standarized, you can shop the same letter plan anytime and save. For example, if you find a Medicare Supplement plan F that you like, you can shop plan F and save money! Whichever supplement plan you like, you can shop and save money on that plan. Standardized Medicare plans make it easy for you to shop and save. So there is no reason to overpay.
  3. Senior Healthcare Direct makes it easy to shop and save on Medicare Supplement (Medigap) plans. One phone call to 1-855-368-4717 gets you access to all Medicare Supplement quotes. We are available to take your call weekdays Monday – Friday from 9am to 7pm (Eastern Time). You can request a quote anytime.

In other words, each Medigap plan is exactly the same. Senior Healthcare Direct will provide you with every available price from all major Medicare insurance carriers. Click the get quote button below and start saving today!

medicare-supplement-plan-g-quote

Videos of Medicare Supplement Plans in Your States

Watch a video to learn about the “Standardized” Medigap plans in your State. These videos reference your specific State and the Medicare & You handbook you received. Watch a video by clicking your State link.

medicare 2020

Medicare 2020: Medicare Advantage vs. Supplement Plan, which is better?

Compare Advantage Vs. Medicare Supplement

In the Medicare 2020 chart below, the red letters are disadvantages and green letters are advantages. The chart gives you a side by side comparison of Medicare Advantage verses Medicre Supplement.

2020 Medicare Advantage vs Medicare Supplement

Medicare Advantage has a smaller, local network of providers. While Medicare Supplement network has over 800,000 providers nationwide. You must have Medicare Part B and pay $198 deductible for a Medicare Advantage plan. However, a Medicare Supplement plan pays the 20% co-insurance expense of Medicare Part B and the deductible of Part A ($1408 in 2020). Medicare Advantage has set co-payments. While Medicare Supplement covers your co-pays for hospital stays, skilled nursing facility care, hospice and home health care. Essentially, Medicare Supplement fills the holes in Medicare so you don’t have any surprise bills. That’s why it is also called Medigap. For example, when you go to the hospital, the Supplement plan pays your $1408 deductible. However, Medicare Advantage charges you around $300 per day each day for days 1-7. As a result, spending a week in the hospital with Medicare Advantage will cost you $2,100.

Referrals and Underwriting

Medicare Supplement plans have consistent benefits from year to year. On the other hand, Medicare Advantage plans may change their benefits. So you will have more homework to review upcoming Advantage plans. Medicare Supplement plan require no referrals. So you can quickly go to any doctor or hospital without a referral or prior authorization. However, HMO Advantage plan requires you to get referrals. There is no medicare underwriting requirements for Supplement plan as long as you apply within your initial 6 month enrollment period (get more details on Medicare Supplement plan). Likewise, all health conditions are accepted except End-Stage Renal Disease (ESRD).

Premiums

Medicare Advantage plans have lower monthly premiums. However, you will pay extra every time you use your benefits by paying fixed co-payments and co-insurance. Moreover, you will continue to pay for benefits until your reach your maximum out-of-pocket limit of about $7,000. On the other hand, Medicare Supplement plans have higher monthly premiums. However, the plan pays all copays and co-insurance costs for Medicare covered services. In other words, you total out-of-pocket equals your annual premium amount. Therefore, you get a predictable monthly expense.

Prescription Drugs

Medicare Supplement require you to add Medicare Part D plan to cover prescription drugs. To avoid late enrollment penalty, you want to enroll in Medicare Part D during your initial open enrollment period October 15 – December 7. If you missed open enrollment, the new open enrollment is January 1 – March 31, 2020. Click here for details on Medicare New Enrollment 2020. Most HMO Medicare Advantage plans cover prescription drugs. Likewise, PPO and PFFS plans may also cover prescription drugs.

2020 Medicare Supplement Plan and 2020 Medicare Advantage Plan

Medicare Supplement Plan G 2020 Updates

Medicare Supplements Plan F vs. Plan G

Medicare 2020 – Best Medicare Supplement 2020 – Best Part D Drug Plan 2020

Medicare Supplement Plan N – Plan N Coverage: Hospital Costs

Medigap Monday: When Can I Shop My Medicare Supplement Plan?

Medigap Monday: What is Medicare Supplement Plan D

Medigap Monday: Plan M The Plan Of The Future

Medigap Monday: What’s Up With Policy Fees

Medigap Monday: What is a Zero Premium Supplement Plan

Medigap Monday: Does Medicare Supplement Insurance Cover Dental

Medigap Monday: Does Medicare Cover Chemotherapy

Medigap Monday: Medicare Supplement Plan N, How it Really Works

Medigap Monday: Does Medicare Cover Acupuncture?

Medigap Monday: Medical Qualifications for Diabetes with Most Carriers

Medigap Monday: Two Myths about Medicare Supplemental Insurance

Medigap Monday: When Can I Upgrade From A Medicare Advantage Plan To A Medicare Supplement

Medigap Monday: When Can I Shop My Medicare Supplement Plan?

Medigap Monday: Do you need a referral with a Medicare Supplement?

Should I Keep Plan F?

Medigap Monday: Hospital costs with Plan G and Medicare

FAQ Friday: Shop your Medigap Plan Anytime

Shop your Medicare Supplement Coverage all Year Long

Medigap Monday: How to get Medicare to Cover Humira

Medigap Monday: How the Medicare Part B Annual Deductible Resets

Medigap Monday: What Does AEP Mean for Everyone?

Medigap Monday: Why Medicare Carriers Prefer the Bank Draft Option

Medigap Monday: What is the Only Difference Between Plan F and Plan G in 2019

Medigap Monday: 2019 Medicare Parts A and B Premiums and Deductibles

Medigap Monday: How is the Plan G Deductible Paid?

Medigap Monday: Plan G is a Greater Value than Plan F

Medigap Monday: Does Plan G Cover Part B Excess Charges?

Medigap Monday: Does Medicare Supplement Plan G cover Skilled Nursing Facility care?