MedicareBob Videos

Robert Bache, aka MedicareBob, presents educational Medicare videos in this blog section. Watch Medicare done right with MedicareBob videos. In these videos, you can learn the following:

Medicare Underwriting - Advantage vs. Supplement - Happy Seniors

Medicare Advantage vs Medicare Supplement

Compare Advantage Vs Medicare Supplement

The Medicare 2021 chart below compares Medicare Advantage vs Medicare Supplement. This chart shows positive (green), negative (red), and equal value (black). Medicare Supplement works with Original Medicare, so it provides you with nationwide coverage and access to any doctor and hospital without referrals.

However, Medicare Advantage provides you with local (HMO) or regional (PPO) coverage for doctors and hospitals in-network. For example, doctors outside an HMO network are not covered and require referrals. Furthermore, doctors outside of a PPO network are allowed but will cost you more. The 2021 chart below shows you several differences between Medicare Advantage vs Medicare Supplement.

Medicare Advantage vs Medicare Supplement - happy seniors
Medicare 2021 Chart - Advantage vs Supplement infographic
Embed and download Medicare Advantage vs Medicare Supplement Infographic

MedicareBob Video

In this MedicareBob video, Robert Bache “talks about the most important decision” people new to Medicare will make. Should you choose a Medicare Advantage or Medicare Supplement? Watch this video to help determine the right Medicare plan for you. 

Medicare Advantage vs Supplement Cost Differences

Part B Premium

Medicare Advantage and Medicare Supplement require you to have Medicare Part B. There is no Medigap Plan that pays your Medicare Part B premium. However, some Medicare Advantage Plans pay all or part of your Part B premium.

Copays and Coinsurance

Medicare Advantage charges you copays for each doctor visit or medical service. However, Advantage Plans do not charge you coinsurance.

Medicare Supplement Plans have no copays, except plans K (50%), L (75%), and N. You are charged copays for diagnostic tests, hospital outpatient, and ER visits. For Plan N, you pay up to $50 for outpatient emergency room visits and up to $20 for outpatient doctor visits.

Furthermore, Supplement Plans K and L only pay 50% and 75% respectively for Part B, Part A Hospice, and Skilled Nursing Facility coinsurance. In other words, you pay the remaining balance. For example, Medigap Plan K will cover 50% of your outpatient medicare service.

Advantage vs Supplement Plan Premiums

Medicare Advantage Plan premiums will vary based on coverage and the insurance carrier. However, CMS.gov reports, “historically low premiums in Medicare Advantage.” Furthermore, you have more than 1,600 prescription drug plans from which to choose. We can help you find the right Medicare Advantage Plan with our Advantage Plan Finder.

Medicare Supplements pay Part A and Part B coinsurance. For example, Medigap Plan G covers 100% of your hospital and medical services after you pay a $198 Part B deductible. Plan G is the most comprehensive coverage available for people new to Medicare in 2020. You can shop Medigap Plans by calling Senior Healthcare Direct at 1-855-368-4717 or get your quote.

Medical Underwriting – Advantage vs Supplement

Medicare Underwriting - Advantage vs. Supplement - Happy Seniors
Happy seniors avoid medical underwriting.

Starting in 2021, Medicare Advantage Plans accept all health conditions, including End-Stage Renal Disease (ESRD). Likewise, you can enroll in Medicare Supplement Plan without medical underwriting during your initial Open Enrollment Period (OEP). In other words, there is no medical underwriting when you are first eligible for Medicare, which includes:

  • Three months before you turn 65
  • The month you turn 65
  • Three months after you turn 65

However, anytime after your initial Open Enrollment Period, medical underwriting is required. For example, you switch to a different Medigap Plan after your initial OEP. Discover some of the most common underwriting questions and find out whether or not you can qualify.

Prescription Drugs – Advantage vs Supplement

Medicare Advantage Plans such as HMO and PPO most often include prescription drug coverage. However, Advantage Plans are not required to cover prescription drugs. If your HMO or PPO does not provide drug coverage and enroll in a separate Medicare Prescription Drug Plan, you will be disenrolled from your Medicare Advantage Plan.

Medicare Supplement Plans fills in the coinsurance and deductible coverage gaps of Original Medicare, which does not cover prescription drugs. To get drug coverage, you need to enroll in a separate Part D drug plan. Senior Healthcare Direct can help you find the right drug plan that includes all your prescriptions.

Max Out-of-Pocket Limits – Advantage vs Supplement

Forbes reports Medicare Advantage maximum out-of-pocket (MOOP) limits will increase to $7,550 in 2021. In other words, your max out-of-pocket cost will be $850 more for in-network services in 2021. Once you reach this MOOP limit, your Medicare Advantage plan will cover all costs until the end of the year.

All Medicare Supplement Plans cover most or all of your out-of-pocket costs except plans K and L. Thus, CMS.gov put the following out-of-pocket 2021 limits on plans K and L.

  • $6,220 for Plan K ($740 increase from 2020)
  • $3,110 for Plan L ($170 increase from 2020)
best medicare supplement plan 2021

Best Medicare Supplement Plan 2021

What is the Best Medicare Supplement Plan for 2021?

With 2021 fast approaching, Robert Bache gives his recommendation for the best Medicare Supplement Plan. Medicare Open Enrollment, also called Annual Election Period (AEP), begins October 15 and ends December 7, 2020. Watch the video to discover which Medicare Plan Robert Bache recommends for the upcoming AEP. In the video, you will learn:

  • Historically, his Medigap Plan recommendations have been “right on” since 2012.
  • How this most comprehensive Medigap Plan works.
  • Discover how this plan saves you on monthly premiums and is a better value than Plan F.

Furthermore, Robert compares Plan N to the best Medicare Supplement Plan he recommends in 2021. Watch the video and find out how Plan N compares. 

Medigap Plans F, N, and G

best medicare supplement plan 2021
Which Medigap Plan is best for you in 2021?

Which Medigap Plan F, N, or G is best for you in 2021? To determine the best plan for you, we will consider the following three factors:

  • Eligibility – who is and who is not eligible?
  • Coverage – what are the benefit differences?
  • Costs – what are the cost difference?

For Medicare Plans F, N, and G, we will determine whether you are eligible or not and compare plan benefits and costs.

Medigap Plan F Eligibility

Suppose you have Medigap Plan F before January 1, 2020. In that case, you can continue to buy Plan F. However, anyone new to Medicare in 2020 is not eligible and can not enroll in Plan F. In other words, if you turn age 65 in 2020, you can not buy Plan F.

However, if you turned 65 before January 1, 2020, and enrolled in Plan F, you can keep it! (Medicare.gov eligibility restrictions applies to Medigap Plans C and F.)

Medigap Plan F Eligibility - senior ladies birthday cake
Best Medicare Supplement Plan 2021 Plan N and Plan G Eligibility

Medigap Plan N and Plan G Eligibility

To be eligible for any Medicare Supplement Plan, you must have Part A and Part B. Moreover, anyone eligible for a Medigap Plan is also eligible for Plan G and Plan N. Unlike Plan F, you are eligible to enroll in Plan N or Plan G whenever you turn 65 in 2020. 

You can enroll in a Medigap Plan during your initial 7-month open enrollment period. It begins three months before you turn 65, continues the month of your birthday, and ends three months after your birthday. During this period, you have guaranteed issue rights!

When you turn 65 and enroll in a Medigap Plan, you are guaranteed the following:

  • No medical underwriting questions
  • No medical disqualification – all medical conditions qualify
  • You pay the same premium as a healthy senior – even if you have health problems

However, if you do not enroll during your initial open enrollment period, you must answer medical underwriting questions. Furthermore, you can be medically disqualified or pay more for health problems. To get your Medigap Plan quote, call Senior Healthcare Direct at 1-855-368-4717.

Best Medicare Supplement Plans in 2021

The best Medigap Plans in 2021 recommended by Robert Bache is Plan G because it has the greatest value. It provides the same comprehensive coverage as Plan F at a much lower monthly premium. If you are eligible for Plan F, it has the highest monthly premium.

Plan F is a “first-dollar” plan because Medicare pays the first dollar once you pay the expensive monthly premium. With Plan F, you do not pay the Part B deductible.

However, with Plan G, you pay the $198 Part B deductible in 2020, and you save several hundred in premiums per year. As MedicareBob says in his video, “You come out ahead” with Plan G coverage.

Best Medicare Supplement Plan 2021 - MedicareBob why plan G is a greater value than Plan F

Best Medigap Plans Coverage and Costs

The Best Medigap Plans chart compares the coverage and costs of plans F, N, and G. The green checkbox covers that benefit 100%. The red checkbox does not cover that benefit. Use this chart to compare Medigap benefits and the differences in coverage and costs.

Why Plan G is the best Medigap Plan

When you compare Medigap benefits of Plan F and G, the only difference is the Part B deductible. If you have Plan G, you pay a one-time annual Part B deductible. Since Plan G has lower premiums, you will save much more than the Part B deductible throughout the year.

So why pay more for Plan F when Plan G has the same coverage benefits? There is absolutely no reason to pay more for Plan F. Therefore, the best Medicare Supplement Plan for 2021 is Plan G.

Medigap Plan N coverage and costs

Medigap Plan N is a lower-cost alternative to Plan G. It has the same comprehensive coverage benefits as Plan G, except for Part B excess charges. Consequently, any medical provider who does not accept Medicare assignment can charge you up to 15% more than the Medicare-approved price. 

Furthermore, anytime you have an outpatient doctor’s office visit, you owe $15 copayment with Plan N. Moreover, you have up to a $50 copayment for every outpatient visit to the emergency room.

Medigap Plan N coverage and cost - Hospital Outpatient

Shop the Best Medigap Plans

As a Medicare insurance broker, Senior Healthcare Direct can shop the best Medigap Plans with all the top A-rated carriers. We save you money by comparing prices with many insurance providers. You can shop for the best 2021 Medicare Supplement Plans by calling Senior Healthcare Direct at 1-855-368-4717 or click the button to get your free quote!

Best Medicare Supplement Plan 2021 - get quote button

Indianapolis Indiana Medicare Supplement Quotes

Indianapolis Indiana Medigap Rates

In this Rate Watch Wednesday video, Robert Bache shows you Indianapolis Indiana Medicare Supplement Quotes for Medigap Plan G. In this post, you will discover the best Medicare Supplement quotes for female and male seniors in Indianapolis, Indiana. Call Senior Healthcare Direct at 1-855-368-4717 to get your Medigap quote.

Best Price for a Female Age 75

Grand Rapids Michigan Medicare Supplement Quotes

The best price in Indianapolis for a senior female age 75, non-tobacco user, is Aetna at $133.45 monthly premium. Furthermore, this quote does not include a household discount. Call Senior Healthcare Direct at 1-855-368-4717 to see if you qualify for a household discount. Watch this video for competitive prices from Medicare Supplement companies United World Life, Accendo, and Manhattan Life.

Best Price for a Male Age 65

Grand Rapids Michigan Medicare Supplement Quotes

In Indianapolis, the best price for a senior male age 65, non-tobacco user, is UnitedHealthcare at $117.56 monthly premium. This rate does not include a household discount. Call Senior Healthcare Direct at 1-855-368-4717 to see if you qualify for a household discount. Watch this video for competitive prices from Medicare Supplement companies United World Life, Accendo, and Aetna.

Get More Indiana Medigap Rates

We will be posting more Rate Watch Videos in the near future. Watch this Rate Watch Video to view Medigap Plan G rates for 75-year-old male. You can get a quote now or call Senior Healthcare Direct at 1-855-368-4717.

Does Medicare Cover Diabetic Supplies?

Medicare Diabetic Supplies

In this FAQ Friday video, Robert Bache answers the question, “Does Medicare Part D cover diabetic supplies?” Watch this video to discover which part of Medicare covers diabetic supplies. 

In the video, Robert Bache says, “Medicare does cover diabetic supplies.” Medicare Part B covers your testing strips and other diabetic supplies (except needles, which Part D covers). Thus, Robert advises you to bring your Medicare Card – the red, white, and blue card – to the pharmacy for diabetic supplies. Furthermore, Robert suggests you bring your Medicare Supplement card, as well. 

Diabetic supplies covered by Medicare

Does Medicare Cover Diabetic Supplies

Original Medicare Part B will pay 80% of the cost of diabetic supplies. You pay 20% of the Medicare-approved amount and the Part B deductible of $198 in 2020. Medicare covers the following diabetic supplies:

  • Blood sugar monitors
  • Blood sugar test strips
  • Glucose control solutions
  • Infusion pumps

Furthermore, your Medicare Supplement Plan will pay the remaining 20% of diabetic supplies. For example, Medigap Plan F, G, or N will cover the 20% that Original Medicare does not pay. 

When can I enroll in Medicare Supplement Plan?

Do you have Original Medicare Part A and Part B? Then you can enroll in a Medicare Supplement Plan anytime by calling Senior Healthcare Direct at 1-855-368-4717 or get your quote. If you have a Medicare Advantage Plan, you have two Medigap enrollment periods

Part D Diabetes Supplies

Part D Diabetes Supplies

This official CMS Diabetes booklet states Part D covers diabetes supplies used for injecting or inhaling insulin. To enroll in Part D prescription drug plan, you must have Part A or Part B. Medicare Advantage Plans have drug plans, so you do not need Part D.

Part D covers medical supplies to administer insulin, which includes:

  • Syringes
  • Needles
  • Alcohol swabs
  • Gauze
  • Inhaled insulin devices

Furthermore, Part D covers insulin, except when administered with an insulin pump. In 2021, seniors with Part D will get a copay cap on insulin. You will be able to access various insulin types at no more than a copay of $35 for a month’s supply. Find out when you can shop for lower Part D premiums and how much you can save on your insulin out-of-pocket costs.

If you have Original Medicare, Senior Healthcare Direct can help you shop your Medicare Part D plan. Call us at 1-855-368-4717 or get your quote.

Morgantown West Virginia Medicare Supplement Quotes

Morgantown West Virginia Medigap Rates

In this Rate Watch Wednesday video, Robert Bache shows you Morgantown West Virginia Medicare Supplement Quotes for Medigap Plan G. In this post, you will discover the best 2020 Medicare Supplement quotes for female and male seniors in Morgantown, WV. Call Senior Healthcare Direct at 1-855-368-4717 to get your Medigap quote.

Best Price for a Senior Female

Grand Rapids Michigan Medicare Supplement Quotes

The best price in Morgantown for a senior female age 65, non-tobacco user, is Heartland National at $96.30 monthly premium. Furthermore, this quote does not include a household discount. Call Senior Healthcare Direct at 1-855-368-4717 to see if you qualify for a household discount. Watch this video for competitive prices from Medicare Supplement companies Puritan Life, Lumico Life, and Western United.

Best Price for a Senior Male

Grand Rapids Michigan Medicare Supplement Quotes

In Ocean County, the best price for a senior male age 65, non-tobacco user, is Heartland National at $110.74 monthly premium. This rate does not include a household discount. Call Senior Healthcare Direct at 1-855-368-4717 to see if you qualify for a household discount. Watch this video for competitive prices from Medicare Supplement companies Western United, Lumico Life, and Union Security.

Get More West Virginia Medigap Rates

Watch this Rate Watch Video to view Morgantown West Virginia Medicare Supplement quotes for 70-year-old male and female. You can see more Medicare Supplement Plan rates in West Virginia or get a quote now by calling Senior Healthcare Direct at 1-855-368-4717.

Charleston West Virginia Medicare Supplement Quotes

Charleston West Virginia Medigap Rates

In this Rate Watch Wednesday video, Robert Bache shows you Charleston West Virginia Medicare Supplement Quotes for Medigap Plan G. In this post, you will discover the best 2020 Medicare Supplement quotes for female and male seniors in Charleston, WV. Call Senior Healthcare Direct at 1-855-368-4717 to get your Medigap quote.

Best Price for a Senior Female

Grand Rapids Michigan Medicare Supplement Quotes

The best price in Charleston for a senior female age 65, non-tobacco user, is Heartland National at $96.30 monthly premium. Furthermore, this quote does not include a household discount. Call Senior Healthcare Direct at 1-855-368-4717 to see if you qualify for a household discount. Watch this video for competitive prices from Medicare Supplement companies Puritan Life, Capital Life, and Western United.

Best Price for a Senior Male

Grand Rapids Michigan Medicare Supplement Quotes

In Ocean County, the best price for a senior male age 65, non-tobacco user, is Heartland National at $110.74 monthly premium. This rate does not include a household discount. Call Senior Healthcare Direct at 1-855-368-4717 to see if you qualify for a household discount. Watch this video for competitive prices from Medicare Supplement companies Western United, Lumico Life, and America Continetial.

Get More West Virginia Medigap Rates

Watch this Rate Watch Video to view Medigap Plan G rates for 70-year-old male and female. You can see more Medicare Supplement Plan rates in West Virginia or get a quote now by calling Senior Healthcare Direct at 1-855-368-4717.

Ocean County New Jersey Medicare Supplement Quotes

Ocean County New Jersey Medigap Rates

Ocean County New Jersey Medicare Supplement Quotes

In this Rate Watch Wednesday video, Robert Bache shows you Ocean County New Jersey Medicare Supplement Quotes for Medigap Plan G. In this post, you will discover the best 2020 Medicare Supplement quotes for female and male seniors in Ocean County New Jersey. Call Senior Healthcare Direct at 1-855-368-4717 to get your Medigap quote.

Best Price for a Senior Female

Grand Rapids Michigan Medicare Supplement Quotes

The best price in Ocean County for a senior female age 65, non-tobacco user, is Humana at $127.58 monthly premium. Furthermore, this quote does not include a household discount. Call Senior Healthcare Direct at 1-855-368-4717 to see if you qualify for a household discount. Watch this video for competitive prices from Medicare Supplement companies Transamerica, UnitedHealthcare (AARP), and Western United.

Best Price for a Senior Male

Grand Rapids Michigan Medicare Supplement Quotes

In Ocean County, the best price for a senior male age 65, non-tobacco user, is Humana at $135.35 monthly premium. This rate does not include a household discount. Call Senior Healthcare Direct at 1-855-368-4717 to see if you qualify for a household discount. Watch this video for competitive prices from Medicare Supplement companies Transameria, Individual Assurance, and Guarantee Trust.

Get More New Jersey Medigap Rates

Watch this Rate Watch Video to view Medigap Plan G rates for 75-year-old male and female. You can see more Medicare Supplement Plan quotes in New Jersey or get a quote now by calling Senior Healthcare Direct at 1-855-368-4717.

Barton City Michigan Medicare Supplement Quotes

Barton City Michigan Medigap Rates

Grand Rapids Michigan Medicare Supplement Quotes

In this Rate Watch Wednesday video, Robert Bache shows you Barton City Michigan Medicare Supplement Quotes for Medigap Plan G. In this post, you will discover the best Medicare Supplement quotes for female and male seniors in Barton City Michigan. Call Senior Healthcare Direct at 1-855-368-4717 to get your Medigap quote.

Best Price for a Senior Female

Grand Rapids Michigan Medicare Supplement Quotes

The best price in Barton City for a senior female age 65, non-tobacco user, is Aetna at $106.54 monthly premium. Furthermore, this quote does not include a household discount. Call Senior Healthcare Direct at 1-855-368-4717 to see if you qualify for a household discount. Watch this video for competitive prices from Medicare Supplement companies UnitedHealthcare, Western United, and GPM.

Best Price for a Senior Male

Grand Rapids Michigan Medicare Supplement Quotes

In Barton City, the best price for a senior male age 65, non-tobacco user, is UnitedHealthcare at $121.98 monthly premium. This rate does not include a household discount. Call Senior Healthcare Direct at 1-855-368-4717 to see if you qualify for a household discount. Watch this video for competitive prices from Medicare Supplement companies Aetna, Western United, and Transamerica.

Get More Michigan Medigap Rates

Watch this Rate Watch Video to view Medigap Plan G rates for 75-year-old male and female. You can find more Michigan Medicare Supplement Rates or get a quote now by calling Senior Healthcare Direct at 1-855-368-4717.

Concord North Carolina Supplement Quotes

The Fastest Way to Save on Medigap Plans

Concord North Carolina Supplement Quotes
Charlotte Motor Speedway in Concord, North Carolina

The fastest way to save on Medigap Plans is to get a quote from Senior Healthcare Direct. We help you finish the race with the right Medicare Plan for you needs. Moreover, we compare prices of Medicare Supplement insurance companies, so you get the best rates.

After you fill out our online form, a licensed agent from Senior Healthcare Direct will call you. For fastest service, call us Monday – Friday 9am – 7pm Eastern Time at 1-855-368-4717. Watch the MedicareBob video below for Concord North Carolina Supplement Quotes in 2020.

Save Money with MedicareBob

Robert Bache, aka MedicareBob owner of Senior Healthcare Direct, shares Medicare supplement quotes in Raleigh, NC. MedicareBob and his agents assist people with their Medicare Supplement insurance nationwide. In this episode of Rate Watch Wednesday, MedicareBob looks Concord North Carolina Supplement Quotes for Plan G. Watch the video below and discover how Medigap Plan G can save you money.

Plan G is MedicareBob’s favorite plan for 2020 and he calls it the “Greatest Value”. Plan G is so good because it allows you to go to any doctor and any hospital in the country which accepts Medicare. Unlike an HMO or PPO you are not restricted to a network. It pays all your hospital and medical bills including the 20% coinsurance that original Medicare does not pay.

With plan G you pay $198 Part B deductible in 2020 and the monthly premium. This is all you pay for Medicare approved services. MedicareBob will show you Medicare supplement rates for seniors age 65, 70, and 75 in Concord, NC.

Medicare Supplement Rates in Concord, NC

Watch this video and see the lowest Concord North Carolina Supplement Quotes. For example, you will see quotes for top A-rated carriers including Heartland National, Aetna, Western United, GPM, Mutual of Omaha (United World), Cigna, and more.

How MedicareBob Saves You Money

When you view the quotes in the video above, you will notice different insurance carriers quotes different premiums for the same Medicare supplement plan G. However, the benefits of plan G remain the same no matter what price you pay. Senior Healthcare Direct can find you an insurance carrier for less than you are paying now. As a result, you can keep the same Medicare benefits of plan G, but pay less for your plan. This is how MedicareBob saves you money!

It is easy to shop and save on Medicare insurance. Click the quote button below for your free Medicare quote. You can get more North Carolina Medicare Supplement rates.

medicare-supplement-plan-g-quote

Grand Rapids Michigan Medicare Supplement Quotes

Grand Rapids Michigan Medigap Rates

Grand Rapids Michigan Medicare Supplement Quotes

In this Rate Watch Wednesday video, Robert Bache shows you Grand Rapids Michigan Medicare Supplement Quotes for Medigap Plan G. In this post, you will discover the best Medicare Supplement quotes for female and male seniors in Grand Rapids Michigan. Call Senior Healthcare Direct at 1-855-368-4717 to get your Medigap quote in Michigan.

Best Price for a Female Senior

Grand Rapids Michigan Medicare Supplement Quotes Female 2020

The best price for a senior female age 65, non-tobacco user in Grand Rapids is Aetna at $102.46 monthly premium. Furthermore, this quote does not include household discount. You can call Senior Healthcare Direct for household discounts at 1-855-368-4717. Watch this video for more competitive prices from Manhattan Life, Transamerica, and Pan American.

Best Price for a Male Senior

In Grand Rapids, the best price for a 65 age old male, non-tobacco user is Transamerica at $113.54 monthly premium. This rate does not include the household discount. You can call Senior Healthcare Direct for household discounts at 1-855-368-4717. Watch this video for more competitive prices from Aetna, Manhattan Life, and Pan American.

Get More Michigan Medigap Rates

Watch this Rate Watch Video to view Medigap rates for a 70-year-old male and female. You can find more Michigan Medicare Supplement Rates or get a quote now by calling Senior Healthcare Direct at 1-855-368-4717.