Medigap Mondays

This blog section contains information about Medicare supplement plans. You can learn more about the following:

Robert Bache

Medicare Supplement Plan G

Medicare Supplement Plan F Full Coverage

Medigap Plan F is Full Coverage

In this MedicareBob video, Robert Bache explains how Medicare Supplement Plan F gives you full coverage. Watch this video to discover all the out-of-pockets costs covered by Medigap Plan F. Furthermore, find out what Medicare Plan F does not cover.

Medicare Plan F Update

Starting in 2020, Medicare Plan F is not available for people newly eligible for Medicare on or after January 1, 2020. However, anyone who was eligible for Medicare before January 1, 2020, can still purchase Plan F. You can get more information about Medigap Plan F. You can purchase Medicare Supplement Plan F and get full coverage by calling Senior Healthcare Direct at 1-855-368-4717.

Lower prices on Medicare Supplement Plans

How can I lower my Medicare Supplement Price?

In this MedicareBob video, Robert Bache explains how you can get lower prices on Medicare Supplement Plans. Watch this video to discover how to lower your monthly premium on a Medigap Plan.

How to Switch and Save on your Medigap Plan

Switching you Medigap Plan is as easy as calling Senior Healthcare Direct at 1-855-368-4717. Every insurance carrier has different underwriting requirements. However, you can read about the most common underwriting questions to see whether you may qualify to switch and save on your Medigap Plan.

Do all doctors accept Medicare Supplement Plans?

Do all doctors accept Medicare Supplement Plans?

Not all doctors accept Medicare. Likewise, not all doctors accept Medicare Supplement Plans; however, any doctors who does accept Medicare will accept your Medigap Plan.

In this MedicareBob video, Robert Bache explain which doctors take your Medicare Supplement Plan.

Which doctors accept Medicare?

After watching the video, you know any doctor who accepts Medicare also accepts your Medigap Plan. So how do you know which doctors accept Medicare? You can visit Physician Compare and enter your location and type of doctor. Then get a list of all of those types of doctors in that area who accept Medicare-approved payment. You can also compare Medicare Supplement plans with a side-by-side Medigap benefits chart.

Medicare Supplement rates

Different Rates for the same Medigap Plan

In this MedicareBob video, Robert Bache explains Medicare Supplement rates and why you may be paying too much for your Medigap Plan. Watch this video and discover how Medigap Plans compare with different companies and how you can get a better price for the same Medigap plan.

How to Switch and Save on your Medigap Plan

Different Medicare Supplement companies have different premiums for standardized Medigap Plans, but they also have different underwriting criteria. As Robert Bache says, “every company has their health requirements”. Thus, it’s best to work with a Medicare Broker who has access to many different companies. Senior Healthcare Direct works with the top ten supplement insurance companies to get you the best Medicare Supplement rates. You can call 1-855-368-4717 to switch and save on your Medigap Plan.

Aflac Discontinues offering Medicare Supplement Plans

Aflac is Discontinuing offering Medicare Supplement Plans Effective September 27, 2013. 

Aflac has decided to discontinue offering Medicare Supplement Plans, the last day to submit an application is September 27, 2013. Aflac has not announced a reason for removing Medicare Supplement Plans from their portfolio of insurance products.

MedicareBob™ to Consumers that are considering choosing Aflac Medicare Supplement Plans: If you have been considering Aflac for your Medicare Supplement Plan, do not purchase it. Even though Aflac is accepting new Applications through September 27th, it is not a good idea because Aflac will not be accepting any new clients after the deadline, so as you get older I anticipate the rates to jump extremely high. If no one new can enter into the Plan, than only the people that are too sick to leave (or too lazy to shop) will be on the Plan, therefore the premium price will increase much faster than a Medicare Supplement Company that is still accepting new members.

MedicareBob™ to Consumers that currently have Aflac Medicare Supplement Plans: Jump ship, if you are still in your “Medicare Open Enrollment Period”, or you are healthy enough to switch to a different Medicare Supplement Plan you should do so. As mentioned earlier, because Aflac is not accepting new members, your Aflac Medicare Supplement Premium will increase a lot more than and faster when compared to you joining with a Company that is still accepting new members.


Aflac Discontinues offering Medicare Supplement Plans

Robert Bache aka “MedicareBob™”

President / Producer

Senior Healthcare Direct

Company Toll Free: 1-855-368-4717

Medicare Supplement Plan J

Robert Bache

Medicare Supplement OR Medicare Advantage Plan, which is better?

Medicare Supplement vs. Medicare Advantage Plan, which offers better coverage?
A Medicare Supplement Plan works with Medicare to pay the out of pocket costs that Medicare does not pay for. When you have a Medicare Supplement Plan, you will continue to use your Medicare red, white, and blue card, as well as your Medicare Supplement Card.

A Medicare Advantage Plan works in replace of Medicare. Medicare pays a private insurance company to insure you, with the requirement that the benefits are at least as good as what Medicare offers. If you choose a Medicare Advantage Plan, you can put away your Medicare red, white, and blue card because you will only be required to present your Medicare Advantage Plan card to use the insurance.
So which is better?
Good news, there is no wrong answer, they both are good, and both probably offer better coverage than you are used too. Below are the good and the bad for each type of insurance, I hope this helps:

 Medicare Supplement:

The Good:

Flexibility- choice of Doctor and/or Hospital

Predictability- very little out of pocket expense

Pays all hospital bills

You and your Doctor decide your care

Easy to shop and compare the different prices

No referrals are required, no HMO or PPO

Travels with you, same coverage all over the US

Electronic Billing

The Bad:

An additional Monthly Premium ($75-$180)

No dental or vision coverage

Monthly premium increases every year

No prescription drug coverage, you will need Part D


In summary, a Medicare Supplement Plan is going to cost an additional monthly premium, but it provides coverage that allows you to choose your own Healthcare Providers, and it is easy to budget because as long as you pay the monthly premium, you will rarely get a bill.

Medicare Advantage Plan

The Good:

Very low monthly premium, sometimes $0.00

Insurance Company helps manage your care

Some dental and/or vision

Includes prescription drug coverage

The Bad:

High out of pocket costs up to $3,500 to $7,500

Doctor / Hospital Network: HMO or PPO

Requires referrals

Annual Contracts, can only change 10/15-12/07

Coverage is limited to your County

Insurance Company decides your care

In summary, a Medicare Advantage Plan operates like group health insurance that most of us have had our whole life, and has a low monthly premium. However, if you are retiring and your income is being reduced, it may be more difficult to have health insurance that is impossible to budget for because you do not know how much you will use the Plan each year.

Candid MedicareBob™: I assist roughly 100 people per month with choosing which Medicare Coverage is the best for them, and 70% of the time, the choice is a Medicare Supplement Plan. This does not mean that I do not like Medicare Advantage Plans, to me it really comes down to the pricing that is available for the Medicare Supplement Plans in your area. If a Medicare Supplement Plan F, G, or Plan N is $100 or less per month, than a Medicare Supplement makes a lot of sense for most people. This being said, I do have clients that cannot afford a Medicare Supplement, this is when I assist them in choosing the right Medicare Advantage Plan for them. As I mentioned previously, both Medicare Supplement Insurance and Medicare Advantage Plans typically offer better insurance than you have had while you were working.


You should know: The only time that you are guaranteed approval for any Medicare Supplement Plan is when you first turn 65 years old, or within 6 months of when you start Medicare Part B.

How do I, a licensed insurance agent/broker that sells Medicare Supplements and/or Medicare Advantage Plans make money?

This is a fair question, and I am happy to share this information with you. My services; Medicare education, telephonic enrollment, and customer service, has no additional cost to you. I get paid by the insurance company, not by you.

CLICK HERE TO WATCH A SHORT VIDEO: Medicare Advantage or Medicare Supplement, which is better?

Medicare insurance question? What quotes from 20+ Medicare Supplement Companies? What a chart of the available Medicare Advantage Plans in you County? Call me, Robert W. Bache aka MedicareBob™: 1-800-525-0299.

Robert W. Bache aka “MedicareBob™”
President / Producer
Senior Healthcare Direct
Direct Toll Free: 1-800-525-0299
Company Toll Free: 1-855-368-4717
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Medicare Supplement Plan N

Medicare Supplement Plan N

Robert Bache, MedicareBob, explains medicare supplement plan N. First, Robert will explain Medicare Supplement insurance and give you an example. Then Robert will cover Plan N coverage and costs.

Medicare Supplement Insurance: You pay a monthly premium, and in return your Medicare Supplement pays your medical and hospital bills that Medicare does not pay. There are many different Medicare Supplement Plans, each Medicare Supplement Plan is identified by a letter. The Medicare Supplement Plans are Federally Regulated and are required to offer the same coverage.

For Example, Cigna’s Medigap Plan N, offers the same coverage as Aflac’s Medigap Plan N. The letter assigned to plan dictated your coverage level, not the company that you choose as your Carrier.

Today, I want to focus on the benefits offered with the Medicare Supplement Plan N. Plan N is a good plan for a Medicare Beneficiary that wants the flexibility of being able to go to any Doctor or Facility that accepts Medicare, but also cannot justify paying a large monthly premium because they may be in good health.

Plan N’s Hospital Coverage: If you are admitted into the hospital, the Medicare Supplement Plan N pays the Medicare Part A Deductible and all of the copays while you are in the hospital. However, if you are not admitted, than you will be required to pay a $50.00 copay for visiting the emergency room.

MedicareBob™’s thought: So this is pretty cool, we purchase insurance to protect ourselves against big hospital bills, and the Plan N satisfies this. $50.00 as a worse case for going to the hospital seems fair to me.

Plan N’s Medical and Doctor Coverage: Medicare Supplement Plan N requires you to pay the Medicare Part B Deductible, for 2013 this amount is $147.00 for the whole year. With the Plan N, after you meet the annual deductible of $147.00, your Doctor has the right to charge “up to” a $20.00 copay. Typically, my Clients have shared with me that their average Primary Care Visit is a $10.00 copay, and a specialist charges the full $20.00.

MedicareBob™’s thought: Plan N pays the 20%, so again this is an example of having insurance for the “big things”, and the Plan N does this by protecting you against the 20% that Medicare does not pay.

Part B Excess Charges: Plan N does not pay, “Part B Excess Charges”. A Part B Excess Charge is when a Doctor does not accept “Medicare Assignment” (What Medicare has approved for the service provided). A Doctor can not pick and choose when to accept and not accept Medicare Assignment, either He/She does or does not.

MedicareBob™’s thought: The most the Part B Excess Charge can be is 15%, plus you can avoid them by asking your Doctor if He/She accepts “Medicare Assignment”. In my experience, most do.

In summary, Medicare Supplement Plan in offers a lower monthly premium but at the same time offers very comprehensive coverage. Plan N is a great alternative to Medicare Supplement Plan F, as long as you understand that you will have some out of pocket costs when you use the Plan.

Get your FREE Medicare Supplement Plan N Quote

Medicare Supplement Plan N explained by MedicareBob

Robert W. Bache aka “MedicareBob™”

President / Producer

Senior Healthcare Direct

Company Toll Free: 1-855-368-4717


Medigap Plan G cost-effective

Medicare Supplement Plan G

Medigap Plan G is often the most cost-effective.

Medicare Supplement Plans are also called, “Medigap”. For example, there is Medigap Plan F and N. Each Medigap Plan has different benefits and costs. In this post, we will look at Plan G benefits and costs.

Medigap Plan G benefits

Medigap Plan G fills in all of the Medicare gaps except the Part B deductible. In 2013, you pay Part B deductible of $147. It has not increase much over the years. In 2020, the Part B deductible is still under $200 at $198.

Medigap Plan G costs

You pay the Plan G monthly premium and the plan covers all Medicare-approved costs. For example, it will be the 20% coinsurance that Original Medicare does not pay. Furthermore, with Medigap Plan G you will have no copays so it is cost-effective.

Like all Medicare Supplement Plans, Medigap Plan G provides you the flexibility of choosing any doctor that accepts Medicare.

Senior Healthcare Direct represents the Top 10 Medicare Supplement Insurance Companies, we save you money by helping you shop. As of 2020, Senior Healthcare Direct has over 150 5-star Shopper Approved Reviews.

Get you Free Medicare Supplement quote OR CALL TOLL FREE: 1-855-368-4717.

Medigap Plan G cost-effective

Robert W. Bache aka “MedicareBob™”

President / Producer

Senior Healthcare Direct

Company Toll Free: 1-855-368-4717