Buy Medicare Supplement Plans During Annual Enrollment Period 2

Buy Medicare Supplement Plans During Annual Enrollment Period 2

Medicare supplement plans are the best option for seniors, especially if they have complex medical problems that require special attention. In addition, with this type of insurance, you have more choices about who to visit and less costs for medical services. Due to complex subscription guidelines, it is best to buy one of these plans during a guaranteed issuance period, which many will have in the coming months.

Medicare supplement policies are the best kind of health insurance accessible to people over 65 years old. So get coverage by visiting People who buy these policies can visit almost any specialist, hospital, or doctor and usually pay little or absolutely nothing for these coverage. Get as many quotes and offers as possible for a wide range of comparisons. Many websites offer a list of quotes in your state. Alternatively, you can directly request a quote from the companies you are familiar with. Do not limit your options.

Think about it before choosing. The best Medicare supplement plan is the product of a deliberate decision making process. You cannot find impulse decision making. You always have the option to change your plan later. Consider and consider other options even after you choose and sign up for a specific plan. Good luck in your search for the best Medicare supplement plan for your specific situation. May the plan you choose meet your long term needs well.

If you have Medicare, are 65 or older and have a fixed income, a Medicare supplement plan is definitely something you should consider. These additional benefits have proven to be extremely beneficial over and over again. Why not take advantage of the offer? Work with a Medicare Supplement Broker to help you evaluate, and if it makes sense, apply today for a new Medicare Supplement Plan to get the most affordable rate and the best qualified company available based on your health.

These plans, M and N, may be particularly interesting for those leaving the Medicare Advantage program, either by necessity (plan cancellation) or by choice, as Medicare Advantage premiums are expected to increase with upcoming changes and premiums for these two plans will be reduced (from the Medicare original supplement plan premiums). Most expect there to be a slight difference, if any, in the M and N awards compared to the new Medicare Advantage awards. When these plans were launched in June 2010, participants in Medicare Advantage programs and those in Medicare supplement plans had to carefully consider the merits of the two new plans against current coverage.

Employers Modified Health Rules

Employers Modified Health Rules

The way we play the health insurance game has changed over the years. Many employers, small and large, are currently overpaying for the workplace benefit program. Human resources have become so complicated and crazy that it’s hard to keep up especially insurance brokers and old school employers.Like many other industries, including sports, the game needs to change to compete. If you don’t change the game, you will no longer be relevant. Some employers have rising costs that are compelled to close their doors forever. Does that sound familiar? Find rates and obtain quotes here

If there is a very expensive medicine you take every day, you definitely want to get a health insurance policy that includes this medicine on your form. If you travel a lot, follow plans that offer good treatment options outside the area. And if you already have a primary care doctor, you will definitely want to choose a plan that includes your doctor in your network.If you are not sure about which policy to choose after you have narrowed your choice to 2 or 3, try this. Multiply 12 by the monthly premium to get the annual cost of a plan and add the maximum plan value. The outcome is the most you are going to spend on health care if you’ve got one or more major health expenses within the year. Make this computation for each plan you are considering and compare the results. The plan with the lowest total is probably the best deal for you.

This is changing as more and more insurance providers offer products designed specifically for the “hard to hold” market. Simplified insurance plans usually only require simple medical questions that do not include questions about drug use.Observe warning signs, such as claims rejections, rejections, or invoices that do not have an Insurance Explanation of Benefits (EOB) from your insurance company.

Check for differences between provider benefits explanation and supplier patient balance account. Review the provider documentation to ensure that it accurately reflects the services received.In addition to being a lengthy process, it can lead to lower work productivity, especially for family members with chronic conditions. Regardless of your circumstances, it is important that you have insurance. You have no idea what will happen in your life in the future. We hope nothing bad happens in your life, but it is great to have peace of mind when signing an insurance policy. This will give you peace of mind knowing that your medical bills will be covered and that you will not go bankrupt.

2013 Health Insurance Advantage Guidelines

2013 Health Insurance Advantage Guidelines

The Obama administration recently sent the 2013 policy and payment guidelines to US health insurers who wish to participate in the Health Insurance Advantage program. According to management, the proposed changes to the guidelines would result in lower premiums and stable or improved benefits.  Are insurance plans for 2020 cheap?  Find out here. Because the guidelines did not include any official estimate of the average net percentage difference in reimbursements, many financial and insurance markets ignored the potential impact of the 2013 Health Insurance Advantage guidelines in the industry.

Low rates and stable rewards will probably continue

Health Insurance private health plans, popularly known as Health Insurance Advantage policies and prescription drug policies (Health Insurance Part D), have very low rates, health insurance quotes and stable rewards. Federal officials believe that this trend should continue in 2013.Health Insurance advantages can be quite vast and could insure many instances and conditions. For instance, many emergency services and medical consultations are covered, as are glasses, canes and wheelchairs, which are considered durable medical equipment. Of course, there are some restrictions on all these items, and in some cases a copayment is required. For instance, though assisted living is often insured, the nursing homes have to meet guidelines of the federal government and be considered a specialty center.

In the last twenty years, private coverage is part of the Health Insurance industry, with available substitutes to the federal Health Insurance plan. These policies, called the best Health Insurance Advantage plans, must comply with various federal regulations and are funded by the federal government, but the program itself is administered by private insurance companies. Although the Health Insurance system cannot be easily summarized in a brief description, there are some basic facts that make the research a bit more fluid:

  1. Medicaid and Health Insurance are two totally diverse plans. Medicaid, unlike Health Insurance is controlled by the state and assists in the payment of the specific requirements of individuals with low incomes. Meanwhile, certain people qualify for both policies.
  2. Preventive services of Health Insurance are formulated to prevent injury or illness. Such services may include information, assessments, vaccinations and tests that help maintain a healthy lifestyle. Patients who have had Part B for 12 months qualify for an annual “wellness” visit.
  3. Health Insurance-approved private insurance companies offer coverage for Health Insurance C and D. These plans may involve additional costs.
  4. Physicians should send requests to patients covered by Original Health Insurance. Doctors are not required to file claims for patients who have Health Insurance Advantage because medical providers receive small monthly payments from these insurance companies.
  5. Health Insurance generally does not pay for custodial care provided by nursing homes. However, patients who qualify for Medicaid may be eligible for these services.

The benefits of trade and annual changes in short-term health insurance can take a long time and be confusing. For detailed information and answers to specific questions, visit Health or call 1-800-Health Insurance.


Really cheap motorcycle insurance: tips for looking for discounts and other affordable insurance options

Really cheap motorcycle insurance: tips for looking for discounts and other affordable insurance options

Be smart with your motorcycle insurance coverage. There are many companies that offer a wide range of discounts. You may be eligible for some who do not even know they exist. Keep this in mind when visiting to conducting price surveys and compare each company. In general, companies list the types of discounts they offer on their websites. You also stand a better chance of having very cheap motorcycle insurance if you have a good credit score, have a clean driving record, are at least 25 years old, and have a vehicle with many safety features.

You must enter some details about yourself and your motorcycle when trying to get these quotes. You will receive multiple quotes at the same time from multiple suppliers. Some offer liability coverage for personal injury, which does not protect you or your vehicle directly. It only protects you against amounts declared for lost wages and medical expenses backed by the other party. Property damage coverage pays for any damage to the other party’s vehicle and all its components, as well as to the walls and fences it damages.

At a minimum, learn about credit repair and how you can do it yourself. Take all necessary steps to show the motorcycle insurance providers that you are working to delete your credit reports.If you are a student, professional or member of a particular club, see what types of discounts may be available to you. Again, you never know what types of discounts you may qualify for. Did you know that you could save money by being a responsible student with good grades?

To protect yourself, your family and your own vehicle, look for quotes that include full coverage and collision. Collision coverage handles payment if your motorcycle collides with another vehicle or turns around. Even if the collision is your fault, the insurer will continue to pay the claim. Comprehensive coverage protects your motorcycle from things like hitting a deer, breaking glass, falling objects, vandalism, extreme weather, etc.

Do you need comprehensive coverage? if you have an older and cheaper vehicle, maybe not. This kind of insurance reimburses you if your motorcycle is stolen or seriously broken in a crash. If it is not that expensive, it can be a waste of money to pay with a policy with comprehensive coverage. You better run the risk and then only pay the deductible if it is damaged.

Medicare Advantage Insurance: How to Choose A Consultant?

Medicare Advantage Insurance: How to Choose A Consultant?

There are 10,000 baby boomers who turn 65 every day. If you are 65 years old too soon, you may feel a little anxious. Not because you’re turning 65 (after all, 65 is the new 55). You feel overwhelmed because your health insurance is probably changing and it is time to change to a Medicare plan. As a smart consumer, you have begun to investigate. The complementary options of Medicare and Medicare can be quite confusing but get help by visiting

Then add all the messages you received (thick packages, scary postcards and all those letters), get even more confused, feel overwhelmed and are now going through an information overload. He concluded that he wants professional guidance on his options. But where to go? If you follow these simple steps to find a consultant, you will probably have a great experience with your Medicare Advantage needs.

  1. Stay local. Do you really want to trust your Medicare health insurance with a “call center agent” somewhere in the country or in another country? If you are still local, this consultant should be willing to meet with you and review all your needs personally. In addition, this consultant knows what plans work well in your area.
  2. Specialization. There are many, many agents and brokers that sell insurance. Most of them are a cat of all trades, teachers of none. Medicare and Medicare options are quite unique. Work with someone who specializes in complementary Medicare and Medicare Advantage plans and knows this field inside and out.
  3. Professional. When you seek legal help, talk to a person with JD on your business card. When you need help with taxes, you work with a certified public accountant. The insurance advice should not be different. Work with a professional who has obtained the designations of Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC).
  4. Broker. Never ever work with an agent that represents only one company. This agent is working for that particular insurance company, not for you. You want an impartial Medicare broker who works with many companies. Your advisor should work for you!

Internet is an amazing tool. Use it! When you are online, you must decide if you simply want a quote or if you want a professional consultant to help you. Either way, the premium paid by Medicare Advantage insurance is exactly the same. Why not take the advice of a local Medicare professional? Service, consulting and processing will make a difference. Follow the steps above when choosing a Medicare consultant, and you will be in excellent shape!

The 2013 Medicare Advantage Guidelines

The 2013 Medicare Advantage Guidelines

The Obama administration recently sent the 2013 policy and payment guidelines to US health insurers who wish to participate in the Medicare Advantage program. According to management, the proposed changes to the guidelines would result in lower premiums and stable or improved benefits. Because the guidelines had no inclusion of any official estimate of the average net percentage difference in reimbursements, many financial markets and insurers ignored the possible impact of the Medicare Advantage guidelines of 2013 in the industry. Click here to find out more.

Low fees and stable rewards are likely to continue

Medicare private health plans, popularly referred to as Medicare Advantage policies and prescription medication policies (Part D of Medicare), have very low premium rates and stable rewards. Federal officials are of the opinion this trend is likely to continue in 2013.

Employees reported a percentage growth in Medicare per capita expenses and stated that this will be used to determine and set rates for Medicare Advantage plans in 2013. According to the Centers for Medicare and Medicaid Services (CMS), the agency that manages the Federal health care program for the elderly, the 2013 guidelines project an annual growth rate of 2.47% and a per capita growth rate of 2.3% next year. In a statement issued by the agency, “this positive rise in trend will help guarantee that beneficiaries maintain a selection of policies without a huge increase in cost or decreases in benefits.” CMS officials added that the total and final 2013 net rate announcements will be published and published on April 2, 2012.

CMS said it is accepting public comments about the 2013 policy and payment guidelines for Medicare Advantage plans and prescription drugs. In accordance with the Early Warning and Call Letter for 2013, CMS will exercise its authority under the Affordable Health Care Act to deny offers from plan insurers that propose a “very significant” increase in beneficiary cost sharing or a decrease in the benefits.

What are Medicare Advantage plans?

About 25% or 48 million Medicare beneficiaries participate in Medicare Advantage plans (MA plans). Unlike traditional Medicare, MA plans are offered by private health insurance companies. Its goal is to replace Medicare, unlike Medicare supplement insurance plans, which only complement Medicare Parts A and B.MA plans are very popular among beneficiaries since they have no medical subscription. All Medicare beneficiaries are guaranteed acceptance, except ESRD. These plans are also called Medicare Plan C because they combine the benefits provided by Medicare Parts A, B and part of the Part D coverage.

A Basic Guide to Medicare Advantage Plans (Part C)

A Basic Guide to Medicare Advantage Plans (Part C)

Medicare Part A and B coverage, as well as other benefits, are included in Medicare Advantage policies. Most of these policies also include Medicare Part D or coverage for prescription drug. If you wish to enroll in one of the Advantage plans available from private companies, you may do so as long as you already have or may qualify for regular Medicare coverage. You will not need these three or any Medigap coverage if you enroll in Plan C.

The Differences Between Original Medicare and Medicare Advantage Plans can found at where you can learn more about Medicare plans.

While everything Medicare generally covers is covered by a Medicare Advantage plan, there are some differences between them to consider. Most of the time, the difference is in the amount you pay for your pocket health care. Some of these differences include:

  • insurances or pay a different percentage of your medical bills
  • copies
  • franchises

Network of providers available.

  • In-network versus out-of-network

In addition, urgent and urgent medical care is included in best Medicare Advantage (Part C) plans. In some cases, dental, vision and / or routine programs may also be covered by some plans. Most will include Part D coverage. However, Part C coverage does not include hospice care, even with a Medicare Advantage plan, as it is still covered by Medicare.

Different Types of Medicare Advantage Part C Plans:

To determine which type of Part C plan will make your needs easier, review the different types of plans currently available. There are several different plans that include the following:

  • HMO – Health Maintenance Organization Plan
  • MSA – Medical Savings Account Plan
  • PFFS – Private Service Payment Plan
  • POS – Point of Service Plan
  • PPO – Preferred Supplier Organization Plan
  • SNP – Special Needs Plans

Information on these six different types of plans is available online simply by using the abbreviation or what they mean as keywords for your Google search.

Part C Registration

Finally, the application process for Medicare Advantage plans (Part C) will differ depending on the private insurance company you select. However, the registration periods are identical regardless. Enrollment is allowed when you are eligible for Medicare, but there is a 7 month waiting period that starts 90 days before your 65th birthday and continues for 120 days after. Finally, if you are under 65 and receiving SSDI (Social Security Disability Insurance), you will qualify after receiving SSDI for 2 years and 1 month.

Medicare Supplement Plan F 2020

Medicare Supplement Plan F 2020

There are some major changes happening for Medicare Supplement Plan F. This was once the most popular of all the Supplement plans, but it has become considerably less popular due to the savings of other plans such as Plan G over the years. This, along with it being removed from the plan lineup, is part of the reason why Medicare Supplement Plan F in 2020 might not be the best option that most seniors should bother with in the coming year.

What’s Happening to Medicare Supplement Plan F in 2020?

Medicare Supplement Plan F in 2020 is not going away entirely, but it is being limited. Starting on January 1st of 2020, if you don’t already have Plan F, then you will not be able to enroll in one. It’s now part of a closed risk pool that limits who is able to sign up for it. Those who decide to remain in Plan F may or may not see an increase in the prices. This also includes the removal of two other Medigap Plans, both Medicare Supplement Plan C and the high-deductible version of Plan F. Plan C was identical to Plan F except it does not cover Part B excess charges.

The high-deductible Plan F will be replaced with a High Deductible Medicare Plan G.

First Dollar Coverage – No More

The main reason for the removal of Plan F and C is due to it providing what is called “first dollar coverage”. This means that policy holders of Plan F were not required to pay any deductibles, coinsurance, or co-payments before the coverage began paying. This resulted in massively high claims which of course, drove up health care costs. Therefore new legislation was enacted to minimize the disadvantages of Plan F.

Now Plan F can only be renewed, and it is not something that you can sign up for in 2020, if you were not subscribed to it in 2019. It joins the list of several past plans that have succumbed to the same fate. This includes what was the most popular plan years ago, Medicare Supplement Plan J.

What Medigap Plan F Covers

Plan F’s coverage is higher than that of any other Supplement plan. It is the full coverage Medicare Supplement you can get quotes for by clicking and that simply means that it covers all the medical expenses that fall under the supplementary category. Let’s take a look at what they are:

  • Medicare Part A copayment- What you pay alongside Medicare for Part A services
  • Medicare Part B copayment, the same as Part A’s copayment, but related to outpatient services
  • Medicare part B excess charges- What you pay when you receive Part B services from a medical facility where Medicare is not fully honored or accepted
  • Medicare Part A coinsurance- This covers hospice care expenses on top of what is covered by the basic Medicare plan
  • Medicare Part A deductible- You have to pay this for Part A services before Medicare pays anything
  • Medicare Part B deductible- You’ll need to pay this before receiving any Medicare coverage for Part B services
  • Nursing care coinsurance- You pay this alongside what Medicare covers for nursing services
  • Blood use- You have to pay for the first three pints of blood each year, if you have Medicare, and Plan F will cover those three pints for you
  • Foreign travel exchange- With this coverage item, you get taken care of for up to 80% of the cost of emergency medical transport outside US borders and as much as $50,000 over your lifetime

Changes to Medicare

Medicare Supplement Plan F is not the only plan affected by the changes happening to Medicare Supplements. In fact, changes are occurring across the board to Medicare and Medicare-branded plans. This is all part of the MACRA 2020 shakeup. MACRA is the Medicare Access and Chip Re-Authorization act of 2015, and it is still in effect for 2020. The changes are mostly affecting the kinds of cards that are issued, which will not contain Social Security numbers. Instead they will have an all-new number that is unique to each Medicare member and card. New cards are being issued, but not all current Medicare subscribers have received new cards yet. Until then, their current cards will still be valid.

New cards began to be issued in 2018, but they will still be issued through much of 2019. The plan is to have all seniors fully transitioned over to the new cards by April 2019.

With any change to Medicare this major, there are bound to be changes that affect the Supplement plans, and this time is no exception. Plan F is not the only Supplement plan going into the closed risk pool and being taken off the market for new subscribers. Medicare Supplement Plan C is joining it, and the same restrictions apply to it as to Medicare Supplement Plan F 2020. Anyone who wanted to sign up for either of those plans for the 2020 year will need to find a different plan to pick. Anyone who is still signed up to either of those plans can choose to renew their coverage, change it or cancel their coverage outright.

If you are confused about the changes to Medicare, you just want some help or you want to have some questions answered, then please feel free to get in touch with us. Our Medicare professionals can assist you and help you understand the changes that have occurred to Medicare and the Medicare Supplements. They can tell you how those changes are going to affect you and what new choices you may have to make for the future.

Should You Keep Medicare Supplement Plan F after 2020?

If you have Medigap Plan F right now, should you renew your coverage for the 2020 year? It’s a question that every senior should be asking who is signed up for this plan. It’s time to question Plan F and what it does for you.

Simply put, no one knows where the rates will go for regular Medicare Plan F after 2020. The plan will be considered a “closed” block of business or risk pool. This means that no new premiums or people will be joining, many of them people turning age 65 who likely would be relatively healthy. This is especially important because future rate increases are based on the amount of premiums coming into the group, versus claims being paid out. After that is calculated any new rate increases are established. Often people think insurance carriers can simply make up rates as they go on. This is not the case. In fact, by law a certain percentage of every dollar collected by the insurance company must go to pay health claims.

If there are no new premiums coming in to offset claims, historically the only way for rates to go were up. When Medicare supplement Plan J exited the market this happened with almost every carrier in almost every state. Again, it is not a guarantee that rates will raise rapidly once Plan F goes away.

That being said…

Should you really be on Plan F to begin with?

Quite honestly, in many cases Plan F actually costs you extra money to be on in most markets across the country. Because the only difference between Plan F and G is who pays the annual Part B deductible, and the much higher cost to have Plan F anyway, most often Medicare Supplement Plan G is a better option anyway. Now, and beyond 2020.

The next best plan as far as high coverage goes is going to be Medicare Supplement Plan G. This one will cover you nearly as well as Plan F did, but it costs less, so it’s a great deal in most instances. Of course, the rates vary from one insurance company to the next, and you can use our website to compare them and see who has the best rates on Plan G. What you will find, though, is that Plan G is priced affordably most of the time and is well worth the money, so long as you can use the coverage that it offers you.

Plan G will cover you for Medicare Part A’s deductible, Part B’s excess charges, Part A’s copayment for in-hospital stays and Part B’s coinsurance of 20% on all Medicare approved expenses. It covers the coinsurance payment for hospice care from Part A as well, along with nursing care coinsurance and the first three pints of blood that you use up each year. It will even cover you for the cost of being transported to a medical facility in a foreign country in an emergency.

You can sign up for Plan G at any time during the year, especially during the 2020 Open Enrollment period. This runs from October 15th of 2019 until December 7th of the same year. If you have a Medicare Advantage plan and you’re wanting to return to Original Medicare and a supplement, you will have to sign up during that period if you want to be covered by Plan G for 2020. If you had Plan F previously or were thinking about signing up for Plan F due to how well it might fit you, then definitely consider Plan G now and don’t wait until the enrollment period!

 It’s the highest coverage plan available to new subscribers, and there are plenty of insurers selling it at reasonable prices. You should not have to overpay to get the coverage it offers, so long as you use resources like our website to get rates and compare them to one another.

As the most comprehensive Supplement plan starting January 1st, 2020, Plan G is worth considering for every senior and not just those who want or had Plan F. It offers so much coverage that it could provide peace of mind to people who want to be covered for the unexpected. It may not be affordable for everyone, though, so be sure to use our website to compare rates on this plan and others to see what you can afford.

Signing Up for Medicare Supplement Plans in 2020

Medicare Supplements are available to anyone who is 65 or older, as well as those who qualify earlier for these plans due to a medical condition. If you are not sure if you are eligible for Medicare or Medicare Supplements, then you can always talk to us or to a Medicare insurance agent to get an answer.

With any Supplement plan, you also need to have basic Medicare insurance. This needs to be a valid, active plan for your Supplement plan to function properly. You won’t receive any coverage from the Supplement plan until the basic Medicare plan is active.

All Medicare supplement plans are offered by private insurance carriers and not Medicare directly. This means that numerous insurance companies can offer them to seniors, and they can even set their own rates for these plans. That is why it is so important to use our site to compare the rates and source your quotes. There is no faster way to compare prices and get multiple quotes.


Something something something Now by Clicking Below!

Once you have signed up for Plan F or any Supplement plan you choose, you will be locked into that plan for the next full year. The coverage will begin on January 1st and end on December 31st. While your coverage is active, you will pay exactly the same rate each month and will receive the same coverage as well for likely a full year, as it’s not typical that rates increase within the first 12 months of your policy.

If your insurance company wants to change prices mid-year, then that won’t affect you until it is time to renew your plan on its anniversary in most cases. You can choose to renew and get the same coverage plan at the new price, or you can switch to another plan within the same company or cancel your plan completely.

An important factor to note when you are applying for a Supplement plan is the guaranteed coverage from company to company. You can have the same coverage being sold at all sorts of different prices. The coverage plan you choose (be it Plan F or something else) is not going to have more or less coverage than advertised simply because you got a different price on it. If you pay a lot for Plan F, you still get covered just as much as if you paid a much cheaper price for it. This means that it it to your benefit to find the cheapest price you can on the plan you want. There are some good deals on Supplement plans that you will miss out on if you do not source multiple quotes and compare the prices as much as possible.

Medicare Supplement Plan F in 2020

Plan F is not for everyone, and even though it was a very popular plan in the past, it simply isn’t going to be available to most seniors for the 2020 year. Only people who are already subscribed to Plan F in the previous year can have that same plan moving forward. It is simply not available for anyone else. There is no eligibility process to go through to determine if you can sign up for Plan F. You either renew that plan or you don’t get it.

Thankfully, Medicare Supplement Plan F 2020 is not the only option for seniors wanting a high coverage Supplement plan. There are several other great choices that bear consideration. If you are not sure what plan to sign up for or what you should do if you are Plan F subscriber, then you can call us and let us answer your questions. We will help you make the right choice and ensure you are informed about your options and what the best move is for you to be well covered for 2020.