Lagrange Medigap Rates

Lagrange Medigap rates vary considerably for the exact same plan. How do you find the plan that is right for you? Medicare supplement plan F is the most popular plan in Georgia and we have the best rates in your area. Medigap rates you won’t see anywhere else.

Lagrange is the county seat for Troup county with a population of 30,000 people lagrange medigap rates 300x297 Lagrange Medigap Rates

Lagrange College is the oldest private college in the state.

Major employers in the area include Troup county schools, Milliken and Kia.

Prominent people from Lagrange include Fuller Calloway (textiles), Tom Jariel (news reporter) and Louis Tompkins Wright (physician)

 

Lagrange Medigap Rates

Did you know there are 37 carriers that offer Medigap plan F in Gainesville?

Medicare supplement rates for a female, age 65, non-tobacco range from $129 to $250 per month. Male rates and tobacco rates are slightly higher.

Click here to review Lagrange GA Medigap rates.

 

One carrier will bill you for the non-tobacco rate if you sign up for their plan when you initially start Medicare Part B.

There are currently 185 different Medigap plans available to Gainesville, Georgia retirees but only 6 Medicare Advantage plans. If you have a Medicare supplement plan you have 30 different Part D drug plans available to you.

Original Medicare and a supplement do not have any networks. You are free to use any doctor, lab or hospital anywhere in the U.S. without suffering a penalty because you used the “wrong” provider.

 

Medigap plans for people with medical conditions

If you sign up for a Medigap plan when you first go under Medicare Part B there are no health questions. Anyone can purchase any plan from any carrier, regardless of their health. After that you can change plans at any time but you must go through medical underwriting.

If you have any of the following conditions but have been symptom and treatment free for the past 2 years you may qualify for a standard rate with one of our preferred Medicare supplement carriers.

  • Alcohol or drug abuse
  • Anxiety, depression requiring hospitalization
  • Bypass surgery, carotid artery disease, heart attack, valve replacement
  • Cancer
  • Diabetes (without complications)
  • Leukemia
  • Stroke, CVA, TIA

Apply by phone. Get a decision within 20 minutes. If approved you will be given your policy number.

No other carrier does this!

 

Lagrange Medicare Advantage

Of the 6 Advantage plans in Troup county, on has a $0 premiums, the others range from $23 to $74.

All Advantage plans are PPO plans and only 4 include drug coverage.

HMO Advantage plans generally have very small networks with only a few doctors and hospitals that participate in the plan. If you go out of network for a non-emergency situation you may have no coverage under your HMO plan.

PPO plans have slightly larger networks and the non-par penalties are not as harsh as with HMO plans.

 

Lagrange providers

There are 320 doctors in Troup county that will accept ANY Medicare supplement plan. On average, about half that number will take patients with a Medicare Advantage plan. Of the doctors that do take Advantage plan patients you will find that most accept only a few plans and almost no one participates in all Advantage plan networks.

Troup county has 20 hospitals and every one of them will take Medicare and your Medigap plan. If you pick an Advantage plan, check to see which hospitals are in network.

Shop Lagrange Medigap rates now.

georgia medigap button Lagrange Medigap Rates

 

Gainesville Medigap Rates

Gainesville Medigap rates vary considerably for the exact same plan. How do you find the plan that is right for you? Medicare supplement plan F is the most popular plan in Georgia and we have the best rates in your area. Medigap rates you won’t see anywhere else. gainesville medigap rates 300x296 Gainesville Medigap Rates

Gainesville is the county seat for Hall county with a population of 35,000 people

Gainesville is known as the poultry capital of the world.

Major employers in the area include Northeast Georgia Medical Center, Fieldale Farms, Pilgrims, Mar-Jac, William Wrigley Company and Walmart.

Prominent people from Gainesville include Tommy Armour (pro golfer), Brantley Gilbert (singer) and Chan Gailey (coach).

 

Gainesville Medigap Rates

Did you know there are 37 carriers that offer Medigap plan F in Gainesville?

Medicare supplement rates for a female, age 65, non-tobacco range from $127 to $250 per month. Male rates and tobacco rates are slightly higher.

Click here to review Gainesville GA Medigap rates.

One carrier will bill you for the non-tobacco rate if you sign up for their plan when you initially start Medicare Part B.

There are currently 185 different Medigap plans available to Gainesville, Georgia retirees but only 9 Medicare Advantage plans. If you have a Medicare supplement plan you have 30 different Part D drug plans available to you.

Original Medicare and a supplement do not have any networks. You are free to use any doctor, lab or hospital anywhere in the U.S. without suffering a penalty because you used the “wrong” provider.

 

Medigap plans for people with medical conditions

If you sign up for a Medigap plan when you first go under Medicare Part B there are no health questions. Anyone can purchase any plan from any carrier, regardless of their health. After that you can change plans at any time but you must go through medical underwriting.

If you have any of the following conditions but have been symptom and treatment free for the past 2 years you may qualify for a standard rate with one of our preferred Medicare supplement carriers.

  • Alcohol or drug abuse
  • Anxiety, depression requiring hospitalization
  • Bypass surgery, carotid artery disease, heart attack, valve replacement
  • Cancer
  • Diabetes (without complications)
  • Leukemia
  • Stroke, CVA, TIA

Apply by phone. Get a decision within 20 minutes. If approved you will be given your policy number.

No other carrier does this!

 

Gainesville Medicare Advantage

Of the 9 Advantage plans in Hall county, three have $0 premiums, the others range from $19 to $139.

One Advantage plan is an HMO the other 8 are PPO plans.

HMO Advantage plans generally have very small networks with only a few doctors and hospitals that participate in the plan. If you go out of network for a non-emergency situation you may have no coverage under your HMO plan.

PPO plans have slightly larger networks and the non-par penalties are not as harsh as with HMO plans.

 

Gainesville providers

There are 941 doctors in Hall county that will accept ANY Medicare supplement plan. On average, about half that number will take patients with a Medicare Advantage plan. Of the doctors that do take Advantage plan patients you will find that most accept only a few plans and almost no one participates in all Advantage plan networks.

Hall county has 35 hospitals and every one of them will take Medicare and your Medigap plan. If you pick an Advantage plan, check to see which hospitals are in network.

Shop Gainesville Medigap rates now.

georgia medigap button Gainesville Medigap Rates

 

#GainesvilleMedigapRates

 

4 Mistakes Retirees Make in Choosing a Medicare Plan

What are the 4 mistakes you can make in choosing a Medicare plan? Do you understand the difference in original Medicare and private Medicare Advantage? medicare shock1 150x150 4 Mistakes Retirees Make in Choosing a Medicare PlanDo you assume the plan your friends bought is best for you? Did you ask a knowledgeable agent to help or just shop online to find a plan? Have you budgeted for the total cost of health care? Don’t make the same mistake Tony made.

Many consumers start by shopping online, which is not a bad way to go as long as you understand the results. Others ask their friends about the kind of coverage they have. Nothing wrong with that as long as your friends researched and understood their options.

Sadly, too many end up repeating the same mistakes their friend made an only realize when it is too late to make a change.

Shop and compare over 170 different plans in the comfort of your home.

 

Medicare vs. Medicare Advantage

You might be surprised at how many fail to understand the difference in original Medicare vs. a private Medicare Advantage plan. They think their Advantage plan is a supplement to Medicare.

say what 300x186 4 Mistakes Retirees Make in Choosing a Medicare PlanIt’s not.

Medicare annual open enrollment is when everyone can make changes in their plan.

Nope.

Medicare and a supplement is more expensive than Medicare Advantage.

It depends.

Original Medicare allows you to use any doctor, lab or hospital without penalty. You can travel anywhere in the country and have the same level of coverage as you have at home. You can keep the same plan, and doctor, from year to year.

Medicare Advantage picks doctors for you. If you use someone that is not in network, you pay a penalty. Your doctor can be fired from the plan in the middle of the year. United Healthcare has made headlines because they told participating doctors they were no longer needed, leaving patients high and dry.

Can you afford to make that mistake?

 

Letting your friends pick a plan for you

Have you ever had a friend set you up for a blind date? Oh, they mean well, but most of the time you will smile and be pleasant while inside you are saying to yourself “What were they thinking?”. blind date 290x300 4 Mistakes Retirees Make in Choosing a Medicare Plan

One of the 4 mistakes many people make is buying the same plan a friend has. If you follow this philosophy you will probably buy a $0 premium Medicare Advantage plan or buy Medigap plan F from United Healthcare (AARP), Blue Cross or one of the current Mutual of Omaha companies.

What could be better than $0 premium? And your doctor(s) are in network so is there anything else to consider?

Or plan F pays 100% of my health care costs. It must be a great plan, right?

The $0 premium plan with $0 deductible might be just right, but did you estimate what your health care costs will be?

And about that plan F.

Depending on your age, gender and zip, Medicare supplement plan rates vary considerably. I recently ran a quote for a female, age 65, in Conyers. The United Healthcare (AARP) plan F was 19th on the list of plans ranked from lowest premium to highest. Blue Cross was 23rd.

If you are really sold on plan F you could have saved $350 a year (or more) if you had purchased from someone OTHER than the name brand carrier.

You would have saved even more, almost $600 a year, by choosing plan G ………. a plan not offered by United or Blue.

 

Shopping online

Amazon is the worlds largest retail shopping mall. You can find almost anything you want. Sometimes it is a good price, sometimes not. When the purchase arrives, if you don’t like it you can return it.

Buying a Medicare plan online isn’t the same thing.

Too often you won’t know if you like the plan until you actually use it. By then it may be too late to exchange it.

If you go to Medicare.gov there is a lot of information about Medicare Advantage and drug plans, but almost nothing usable when it comes to Medigap.

A common piece of advice on Medicare Advantage is to make sure your doctor is in network but how many times do you stop to check your medication list?

Most people don’t, especially the DIY crowd.

Big mistake.

The biggest hassle in online shopping is landing on a site that will sell your information to dozens of insurance agents. Your phone won’t stop ringing and your email will be stuffed with “buy me” notices.

Georgia Medicare Plans never sells your information to anyone. We call once. That’s it. You decide if you want more information.

Shop and compare now.

medicareplansgeorgia 300x101 4 Mistakes Retirees Make in Choosing a Medicare Plan

 

Tony almost made a $6,000 mistake

Tony is turning 65. Like everyone else he is bombarded with information about available plans. And Tony has asked friends which plan they have and would recommend.

But Tony also likes to do his own research. That’s how he found me.

bag of money 234x300 4 Mistakes Retirees Make in Choosing a Medicare PlanMost of his friends have a $0 premium Medicare Advantage plan. Tony has a chronic condition that is under control and he has doctors he trusts. He wants a plan that includes his current doctors.

Tony was proactive and asked his doctors which plans they accept.

“All of them”.

That’s when he found my site. And then he called.

We talked for a few minutes and discussed the differences in original Medicare and a supplement plan vs. Medicare Advantage. Tony was not aware that doctors can be dropped from an Advantage plan in mid year. He also was not aware of the out of network restrictions and penalties. We discussed out easy it is to slip out of network, especially with P.A.R.E. claims.

Then we talked out Medicare and Medigap plans. We also looked at his expected annual cost of health care.

Failing to consider your cost of health care is one of the 4 mistakes almost everyone makes.

But it was the discussion about his meds that brought things to a head.

Tony takes two specific medications to keep his health in control. One is relatively inexpensive, the other is not. He gave me a complete list of his medications and I ran a prescription drug report for him.

After looking over the list I decided to do something I rarely do. Medicare drug reports are quite detailed, and confusing. I normally just show clients the top two plans rather than sending them 20 or more to review.

I repeated the process for the $0 premium Advantage plan he said he wanted.

Then I compared the results.

The Medicare Part D plan with the lowest annual drug costs would result in $3,000 in out of pocket costs for his medications.

The $0 premium plan would have him spending almost $9,000 for the exact same medications.

If Tony had taken the advice of his friends and purchased the $0 premium Advantage plan he would have made a $6,000 mistake.

Can you afford to make that kind of error?

Give us a call to discuss plans that fit your needs AND budget. Or you can start the process by using our online instant quote engine.

 

 

 

#MedicareAdvantage #Medicareannualopenenrollment

Credit Card Thieves Targeting You

Credit card thieves have ingenious ways of stealing your money. These crooks are stealing your money right under your nose. credit card theft 300x192 Credit Card Thieves Targeting You

A man at a local restaurant paid for his meal with his credit card. The bill for the meal came, he signed it and the waitress folded the receipt and passed the credit card along.

Usually, he would just take it and place it in his wallet or pocket. Funny enough, though, he actually took a look at the card and, lo and behold, it was the expired card of another person. Credit card thieves trying to steal money right under his nose.

He called the waitress and she looked perplexed.

She took it back, apologized, and hurried back to the counter under the watchful eye of the man.

 

Medicare supplement carriers are ripping you off with your approval. Georgia retirees are overpaying an average of $450 for their Medigap plan. We save our clients that much or more by moving them to a quality carrier that offers the EXACT SAME coverage for a lower price.

We showed one Georgia couple how to save over $1700 per year by changing our their Mutual of Omaha plan F for the exact same coverage.

No loss of coverage. Pocket over $1700 in savings.

Did you know there are over 170 different Medigap plans in Georgia? Shop and compare Medigap plans instantly. Click to save.

 

All the waitress did while walking to the counter was wave the wrong expired card to the counter cashier, and the counter cashier immediately looked down and took out the real card. Credit card thieves are stealing thousands each day with this simple trick.

No exchange of words — nothing! She took it and came back to the man with an apology..

Verdict Make sure the credit cards in your wallet are yours.

Check the name on the card every time you sign for something and/or the card is taken away for even a short period of time.

Many people just take back the credit card without even looking at it, ‘assuming’ that it has to be theirs.

FOR YOUR OWN SAKE, DEVELOP THE HABIT OF CHECKING YOUR CREDIT CARD EACH TIME IT IS RETURNED TO YOU AFTER A TRANSACTION!

Home Depot and Medicare

The first time I walked into Home Depot I was overwhelmed. All I wanted was a hammer. What I didn’t know was, what kind of hammer I needed. Home Depot must have had 50 different kinds of hammers. hammers and medicare 300x171 Home Depot and Medicare

All I wanted was to drive a few nails into some lumber.

Medicare is the same way, but different.

When you turn 65 and enter into the Medicare system for the first time it can be like my venture to Home Depot. It can be very overwhelming.

Feel free to browse around our Medicare “store” where you can shop and compare plans with one click in the comfort of your home.

medicareplansgeorgia Home Depot and Medicare

 

Home Depot knows hammers

Did you know there are claw hammers, tack hammers, ball pein hammers, cross pein hammers, club hammers, sledge hammers …………

The list goes on.

Fortunately for me there were people who knew how to help me. What kind of project am I doing? Am I handy with tools? Will there be other projects next year? How much can I afford to pay for a hammer? Do I need anything to go with my hammer, such as band-aids? Will I need an electric hammer or will a manual one work?

So many questions. Who knew that choosing a hammer would be so difficult?

The same is true with Medicare.

 

Choosing a Medicare plan is like picking out a hammer

cartoon medicare more complicated than rocket science 300x300 Home Depot and Medicare When you turned 65 you probably talked to your friends about Medicare. What kind of plan did they have? Did they like it? Why did they buy it?

You also have received tons of stuff in the mail. Some from Medicare but most from insurance carriers pushing their plan.

Medicare used to be simple.

You turned 65. You went on Medicare. You picked out a supplement plan.

Now there are drug plans and Advantage plans. PPO’s, HMO’s, POS plans and more.

Let’s face it. You’re not in Kansas any more.

Too bad there’s not a Home Depot for Medicare.

 

No Home Depot, but you can get close

More like an Amazon for Medicare.

Georgia Medicare Plans is like shopping on Amazon for Medicare but with the personal service and expert advice you expect from a Home Depot.

Welcome to our “store”.

We welcome the DIY crowd at Georgia Medicare Plans. Feel free to look around, compare rates and plans. Make yourself at home.

We are here to help and answer any questions, but only if you need it. There is never any pressure to buy anything. You are free to enter and leave at your discretion, but we hope you will stay and ask a few questions.

Bob Vineyard has worked in the health insurance field since 1975 and specifically focused on Medicare for the last 5 years. We understand your frustrations.

You have questions. We have answers.

What is the difference in Medicare Advantage and Medicare supplement? What is a Medigap plan? Do I need a drug plan if I don’t take any medications? Which plans are accepted by my doctor? Which plans pay better than others? Which ones do not require me to file a claim? Is Medicare supplement plan F better than a Medicare Advantage plan? Do I need a supplement plan to go with my Advantage plan?

We are like Home Depot and Amazon. Personalized help and online shopping.

 

May I help you?

The most dreaded words in retail.

Most of the time we look away and say “No thank you, I am just looking”. Never make eye contact. If you do you know to get ready for a sales pitch.

At Georgia Medicare Plans there are no sales pitches. We don’t pester you to make an appointment. I won’t come to your home. I won’t try to sell you something you don’t need or want.

Most people that turn 65 think they are shopping for a Medicare plan. bob on fb Home Depot and Medicare

They are wrong.

What they really need is someone that knows the Medicare system and can explain it in ways they can understand ………….. in 10 minutes or less ………….. over the phone.

You are not shopping for a plan. You are shopping for an agent. That’s me on the right, in the Chop House at Turner Field.

I am here to help.

And I won’t make you buy a hammer.