The Secret to Getting a Better Deal on Your Medigap Premiums

Do you know the secret to finding value, saving real money and getting a better deal on your Medigap premiums? Should youget a better deal on your Medigap premiums buy from Blue Cross or Mutual of Omaha?  Isn’t it true that some doctors will refuse your Medigap plan if it is from a company they don’t know? I heard Humana doesn’t pay their claims. What is the secret to affordable Medicare supplement coverage?

Making good decisions will save you hundreds of dollars a year, thousands over your lifetime. Here is one secret. Don’t listen to your friends and don’t buy your Medicare supplement from a big name company unless you enjoy paying too much.

Understand that Blue Cross and Mutual of Omaha are fine companies. But they are also overpriced.


Don’t pay too much. Shop and compare now.

GA Medigap Quotes


Saving Real Money, Getting a Better Deal on Your Medigap Premiums

In 2010 Blue Cross would issue a Medigap plan F policy to a 65 year old female for $131. Mutual of Omaha would sell her the same policy for $132.

Today, in 2013 those same Medigap plans are $176 (BCBSGA) and $179 (Mutual of Omaha).

We have a carrier that sold Medicare supplement plan F for $112 in 2010 and offers it for $138 in 2013.

An age 65 female can can buy Medicare supplement F in 2013 for just a few dollars more than they would have paid 3 years ago. That is truly getting a better deal on your Medigap premiums without breaking a sweat.


Anne’s Search for an Affordable Medigap Plan

Last year Anne contacted me because her existing Medigap policy was no longer affordable. Living on a fixed income, the Mutual of getting a better deal on Medigap premiumsOmaha renewal was increasing another $26 per month. Unless she could find a policy that provided a better deal on her Medigap premiums she was going to have to drop her coverage.

Anne was in good health and could change her plan at any time.

I showed her how to save $64  per month, keep the same Medicare supplement plan F, but going with another carrier with a more stable and reasonable premium history.

To save even more, I suggested she consider Medigap plan G. The only difference in plan F and plan G is the annual Medicare Part B deductible ($147 in 2013) is not covered under plan G.

By switching carriers and moving to plan G Anne’s premium dropped $89 per month.

That’s real savings!


It’s Like Buying Your First Car

The Beatles sang these words. “Listen. Do you want to know a secret? Do you promise not to tell?”.

With savings like this, you should shout it from the rooftops.

I have a secret for you, but I want you to tell your friends.

Do you remember the first car you bought? If you are like most of us, it was a used car, now referred to as “pre-owned”. You were probably scared. You knew you were supposed to negotiate the price but since most things in life come with a sticker price and a “buy it or don’t” approach you had no idea where to start.

The process was intimidating and you never knew if you were getting a “lemon” or not. Most used car warranty’s lasted until you drove off the lot.

My father owned quite a few used cars. They were economical for his 40 mile each way commute.

“When you buy a used car you are buying someone else’s problems”.

But yet, he bought used cars any way.

Some were good, some were not.

Fortunately for you, Medigap plans are not that way.



Finding a Deal on Your Medigap Coverage is a Lot Easier

But only if you know where to look.

Medicare supplement plans are standardized. All plans with the same letter (A through N) are identical in every way.

Every way except price.

Medicare supplement rates cover a wide range for the same plan.

Medicare supplement plan F for a female, age 65 can range anywhere from $115 per month to $217.

Why would you pay more than you need to? When you pay more you don’t get more, you simply paid too much.


Blue Cross or Mutual of Omaha?

Well, those aren’t your only choices.

How do you feel about having TWO rate increases in the same year?

Blue Cross Medicare supplement rate increaseIf you own either BCBSGA or Mutual of Omaha it is not unusual to see your Medigap premiums increase twice in the same calendar year.

When a carrier drops a plan from their portfolio, seniors that own these “orphan” plans typically see their Medicare supplement premiums increase at a higher rate than plans that are still marketed.

Blue Cross recently stopped offering Medicare supplement Hi F and plan G.

Two years ago Mutual of Omaha dropped Medigap plan N from their portfolio.

But wait. There’s more.

Until 2010, Mutual of Omaha issued coverage in Georgia under the name United World. Beginning in July, 2010 United World was no longer used and United of Omaha was the new flagship.

So what happened to United World policyholders?

Some of them were healthy enough to drop their old United World and pick up lower rates from United of Omaha.

Earlier this month Mutual of Omaha announced Omaha Insurance Company would be used going forward and United of Omaha would be shelved. Rates for Omaha are about 17% lower than United of Omaha for the same plan.

If you own a United of Omaha plan can you exchange it for the lower priced Omaha Insurance Company plan?

Only if you are healthy.


What is the Secret to Getting a Better Deal on Your Medigap Premiums?

You can start by shopping online. Georgia Medicare Plans offers free, no obligation Medigap quotes for Georgia seniors. You can shop and compare up to 40 plans in 60 seconds.

If you provide a valid email and phone number, I will provide you with a personalized quote based on your needs and budget. You will see plans  from carriers that do not allow their rates to be illustrated online.

Ron is 73 years old, has a Blue Cross Medicare supplement plan F and is paying a whopping $184 per month. Ron is in good health and is willing to take a little more risk by switching to Medigap plan N. The best rate he could find online was from Humana at $158 monthly.

I showed him plan N for $119 per month.

If Ron had only shopped online he would have overpaid almost $500 per year!

Give us a all. Let us show you how to get a better deal on Medigap premiums.





Can I Change My Medigap Plan?

Georgia seniors ask, “Can I change my Medigap plan?”. Which Medicare supplement plan is best? How do I find the best rate for can I change my medigap planMedigap plan F? Instant free quotes. Compare Medigap costs in 60 seconds. PLUS get access to our FREE report showing ALL rates and plans based on your age and zip.


Can I change my Medigap plan?

The short answer is, you are eligible to buy a new plan or change your Medigap plan at any time. Unlike Medicare Advantage plans, there are no annual enrollment periods.

The best time to buy or change your Medigap plan is when you initially sign up for Medicare Part A and B which usually occurs at age 65.

You also have guaranteed issue rights to buy a Medicare supplement plan.

Before asking “Can I change my Medigap plan?” you should compare Medigap costs.


Shop and compare Medigap costs

Ignore the hype. All Medicare supplement plans with the same letter are identical in every way except premium. Click the image below to shop and compare Medigap costs. Instant free quote.

shop and compare medigap costs

When you pay more you don’t get more, you simply paid too much.


Which Medicare supplement plan is best?

Medicare supplement plans have standardized benefit structures. Once you pick a plan design that fits your needs, the only other consideration is can you find a plan to fit your budget?


How do I find the best rate for Medigap plan F?

The easiest way is to shop and compare online, but you probably will not see the best rates. Many Medigap carriers do not allow their rates to be published online.

How do you know plan F is best for you?

Did you know that almost 70% of Georgia seniors buy Medicare supplement plan F simply because that was the only plan that was explained?

If you wanted to buy a car, and the salesman only showed you 4 wheel drive SUV’s, would you be satisfied?

Most of my clients NEVER buy Medigap plan F. Do you know why?

Bob Vineyard and Georgia Medicare plans have access to rates from some of the lowest cost plans in Georgia. Ask for a personalized Medicare supplement quote.

Final notes

If you have Medigap plan F, you definitely should consider making a change in your Medigap plan.

When you bought your Medigap plan, did you buy from Blue Cross, Mutual of Omaha or United Healthcare (AARP)? If so, you probably are paying too much.

Maybe you bought a Medicare Advantage plan. The low premium seemed like a good idea at the time. The REAL cost of an Advantage plan is how much you pay when you receive medical care.

Advantage plans are great until you use them.

Can I change my Medigap plan?

You decide.








Universal Health Care Medicare Advantage Plans

Medigap changeIf you have a Universal Health Care Medicare Advantage plan your current coverage ends at midnight, March 31, 2103. Due to insolvency, Universal Health Care policyholders will need to transition to new coverage during the next 60 days.

Universal Health Care Medicare Advantage policyholders can enroll in another Medicare Advantage plan if they want to roll the dice again, or they can return to original Medicare and purchase a Medicare supplement insurance plan without medical underwriting.

If you are tired of doctor networks, changing plans every year, increased deductibles, higher copay’s and higher out of pocket limits perhaps you should consider Medigap plan N.


When you have Medicare supplemental insurance plan N you have the following:

  • Ability to use ANY doctor or hospital in the Medicare system
  • “No surprise” doctor copay which does not exceed $20, even for specialist
  • “No surprise” ER (emergency room) copay, not to exceed $50
  • Skilled nursing facility coverage at 100%
  • Medicare Part A deductible paid by Medigap plan N
  • Hospital coinsurance paid by plan N through day 150
  • Additional 365 day hospital stay lifetime benefit
  • Hospice care
  • Foreign travel emergency care

Universal Health Care Medicare Advantage plan holders can purchase any eligible Medicare supplement plan they wish without evidence of insurability.

Medicare Supplement Guaranteed Issue Rights

Eligible Medicare supplement plans include A, B, C, F, K, L, M or N. Know your Medigap guaranteed issue rights.

Medigap plan F is a popular choice for those who are looking for “Cadillac” coverage, but the savings with plan N can be substantial. In many cases you can save over $600 per year by enrolling in Medicare supplemental insurance plan N over plan F.

+Bob Vineyard at Georgia Medicare Plans can help you find the right Medicare supplement plan to fit your needs and budget. Compare Medigap rates from top carriers including Blue Cross, Humana, Mutual of Omaha and others. Instant online Medigap quotes!

While others talk, we listen.

Blue Cross Medicare Plans – Your Questions Answered

We get mail. You have asked about Blue Cross Medicare supplement rates and renewal increases, and how high deductible plan F works. Is the BCBSGA Medigap plan F a good deal or a ripoff and can you afford it? Are Blue Cross Georgia Medicare supplement rate increases excessive? You want to know how to compare Blue Cross Blue Shield Medicare supplement rates with other plans from Humana, Mutual of Omaha and others.

You have questions.

We have answers.

How do Blue Cross Medicare supplement rates and renewals compare with other carriers?

Like everything else, it depends.

In some zip codes and at certain ages, BCBSGA can be quite competitive. At other times, not so much.

Georgia Medicare Plans does offer Blue Cross Georgia Medicare plans to our clients, and will recommend them when there is a good “fit” to your needs and budget. But if we see a potential problem in selecting a Blue Cross Medigap plan we will alert you.


One question we are often asked is, “How does Blue Cross Medicare supplement plan high deductible F work?

Medigap High F is just like the traditional Medicare supplement plan F except you must first satisfy an annual deductible before the plan pays anything. For calendar year 2013 the Medigap high F deductible is $2110.

Blue Cross and Humana typically have some of the lowest premiums for High F and you can compare for yourself by following this link.

If you need more explanation in how High deductible plan F works, give us a call.


A similar question that comes up often “Is Medigap plan F a ripoff?“.

Perhaps ripoff is a bit harsh, but we fail to see the value in plan F from ANY carrier.


You have asked, “Are renewal Blue Cross Medicare supplement rates excessive?“.

We have seen some carriers that are much higher and several that are lower. Over the last few years Blue Cross renewal rates have increased from 8 – 13% for trend. Due to the way Blue Cross Medicare rates are structured you may receive two rate increases in the same year. One for trend, the other for having a birthday and getting older.

Most carriers only adjust renewal rates due to health care trend, but Blue Cross joins (AARP) United HealthCare and a few others that will increase your rates simply because you are older.


So how do you compare Blue Cross Medicare supplement rates with other carriers? You can get an instant Medigap quote here, or you can simply give us a call and we will be glad to answer your questions.


BCBSGA Medicare Supplement Rates 2013

BCBSGA Medicare supplement ratesBCBSGA Medicare supplement rates increased 8% in 2013.  We find that most seniors are paying too much for their Medigap plan. Almost everyone has Medicare plan F which is always the most expensive plan offered.


Compare your Blue Cross Medigap rates to Humana, Mutual of Omaha and others

Georgia Medigap plans & Prices

Georgia Medigap plans & Prices


Stop throwing money away! How much can you save? Many of our clients will save $30 – $60 per month by making a switch. We showed one couple how to save over $1700 per year.

  • Compare Blue Cross Medicare supplement rates using this link.
  • All plans with the same letter (F, G, N) are identical EXCEPT for price
  • Paying a higher premium does not get you a better policy
  • Any doctor that accepts Medicare will accept your Medicare supplement plan
  • Higher premiums charged by “big name Medigap companies” is throwing money away


Who Should Consider BCBSGA Medicare Plans?

BCBSGA Medicare supplement rates  are competitive for Hi F plans at most ages and zip codes, and Blue Cross writes more Medigap plans than any other carrier in the state.

Well known and widely accepted, with Blue Cross you will never have to file a claim form. Your doctor, hospital or clinic will file claims for you with Medicare.

Once Medicare adjudicates and approves your claim, they will send it on to Blue Cross for payment of their portion of the claim.

Blue Cross is the best known Medigap carrier in the state, but did you know this?


Why Overpay When You Don’t Have To?

ALL Medicare supplement carriers pay claims accurately and on a timely basis . . . usually within 10 days of receiving the claim from Medicare.

It doesn’t matter if you have Blue Cross, AARP (United Healthcare), USAA, Mutual of Omaha, Gerber, Humana or New Era. Everyone of them will pay your claims promptly and without question.

Something else you may not know.


All Medigap plans with the same letter are identical.

If you have Blue Cross Medicare supplement plan F  it is identical in every way to Medigap plan F from Mutual of Omaha. The only difference is the price you pay.


When you pay more you don’t get more, you simply paid too much!

Georgia Medicare Plans is proud to offer Blue Cross to our Medicare supplement clients, but we also have other fine Medigap carriers. If we can find a way to help you save money by switching from BCBSGA Medicare supplement rates to a lower premium plan we will make that suggestion. Sometimes you can benefit by switching plans and carriers.

Our responsibility is to you, our client, not to the carrier. Ask for a no obligation comparative Medigap analysis. Discover how much you can save.

#GAMedigapQuotes #BCBSGAMedicareSupplement