Medicare Open Enrollment 2019

Medicare Open Enrollment 2019. Shop Medicare supplement plans and Part D. New, lower Medigap premiums. Are higher drug costs coming in 2019?

Who is invited? Who should stay home?

Can anyone help navigate the Medicare maze?

 

Medicare Open Enrollment 2019

So much information. So much confusion. Medicare Open Enrollment is not for everyone, and certainly not for the faint of heat.

If you think you already have all the answers, don’t read this post. If you believe Medicare open enrollment is for everyone you will probably learn something.

Medicare AEP is not a casual stroll. For most people, this is the only time you can change your Part D drug plan or Medicare Advantage plan.

Make a mistake and you will have to live with that decision for a year.

 

Be Prepared

Before you enter the annual election period, do this.

  • Make a list of all doctors including name, address, phone.
  • List all area hospitals, especially the ones you have used.
  • Make a list of all medications including dosage, refills, prescribing doctor and pharmacy.

Be aware of the donut hole and look for ways to avoid that trap. Make use of generics and off plan purchases.

Look for FDA approved generics and ask your doctor before making a change.

 

Part D Jungle

If renewing, get your drug list ID and password date from your last drug plan finder.

If renewing, study your ANOC for changes.

Use Medicare.gov for reviewing Advantage and drug plan options.

Avoid using Medicare.gov for PDP comparisons prior to October 25.

 

Review Medicare Supplement Options

Medicare.gov and the GA DOI site is essentially useless when comparing Medicare supplement options.

Most Medigap quote engines only list a handful of options and rarely have plans with the best value

Many quoting sites will sell your information to numerous agents; some don’t provide instant quotes

Never put anything on auto-renew unless you like unpleasant surprises.

 

Understand the Differences

Both Medigap and Advantage plans cover the same types of medical treatment, but what you pay out of pocket for your care, and where you receive your care, is very different.

Advantage plans are managed care plans. Some are PPO, some are HMO. In 2018 about half the plans are HMO with the balance being PPO.

If you receive non-emergency out of network care under a PPO you may have higher copay’s and deductibles. Your max OOP may also be higher. Some plans do not cap out of network charges.

Non-emergency out of network care charges may be denied if you have an HMO.

 

Medicare Advantage Considerations and Cancer

In 2018 most Advantage plans issued in Georgia limit your out of pocket for approved in network health care expenses to $6700.

The American Cancer Society tells us that more than half the 1.4 million new cancer diagnoses occur in people age 65 and older. Roughly 20% of retiree deaths are a result of cancer. Medicare pays for almost half of the $74 billion spent on cancer treatment. The elderly account for 70% of cancer deaths each year.

Some cancer centers, such as Mayo Clinic and MD Anderson do not participate in Medicare Advantage plans.

Not all cancer responds to chemotherapy, but 80% of cancers are treated with chemo. Those treatments occur in an outpatient setting and are covered under Medicare Part B.

Chemotherapy drugs administered in a doctor’s office or clinic normally fall under Part B. Medication from a retail pharmacy or by mail fall under your PDP.

This is why most of us chose a Medicare supplement plan in 2018. Bob Vineyard, independent Medicare insurance broker in Georgia, can explain your Georgia Medicare insurance options and will allow you to decide.

We represent several carriers including Aetna, Anthem Blue Cross, Humana and more.

According to the Mayo clinic, “new cancer treatments are routinely priced at over $100,000 per year of treatment.”

5 Medicare Open Enrollment Tips You Must Know

Understand how Medicare works. Open enrollment only comes around once a year. Take advantage of this time to review all your options.
#GeorgiaMedicarePlans #GAMedigapQuotes #Turning65
How does Medicare work? Open enrollment 2018

 

Medicare Open Enrollment 2016

What is Medicare open enrollment 2016? When can I change my Medicare supplement plan? How do I find a better rate without going online and having my phone ring off the hook?

Medicare open enrollment

Isn’t this the same as turning 65? Can’t I change my Medicare supplement plan without going through underwriting?

 

What is Medicare Open Enrollment?

Medicare annual open enrollment period starts on October 15th and ends on December 7th. During that time you can

  • Change from one Medicare Advantage plan to another one
  • Change your Part D drug plan

You can change your existing Medicare supplement plan at any time of the year but you may be required to pass medical underwriting.  If you have an existing Medicare Advantage plan, and would rather have original Medicare and a Medigap plan you can enroll in a Medigap plan subject to medical underwriting.

 

Is Medicare Open Enrollment the Same as Turning 65?

Short answer is not.

Turning 65 and enrolling in Medicare Part B for the first time allows you a 6 month window to enroll in any Medigap plan. Never any underwriting. They can’t ask your height and weight. What medications you take.

All of those are off limits.

But open enrollment is different.

If you have original Medicare and a supplement plan you can change drug plans without underwriting.

You can also improve your Medicare supplement plan and look for lower rates. But you can do that any time. Open enrollment is not the best time to change Medicare supplement plans. If you have been on Medicare Part B more than 6 months medical underwriting is required. That process can take 2 weeks or longer outside of open enrollment. The time frame is a month or longer if you try to change Medigap plans during open enrollment.

How Do I Find the Best Medicare Supplement Rates?

Shopping online is simple, thanks to the internet. But it can also be frustrating. Here is what most people do.

There must be a better way.

  • Go to GA Medigap Quotes
  • Fill in your information
  • Get an instant quote
  • Wait for your personalized quote by email showing Medigap rates you won’t see anywhere else
  • We shop. You compare
  • We take the time to answer all your questions about Medicare, plans, rates, service and so forth..
  • When you pay more you don’t get more. You simply paid too much
  • Our goal is to give you the confidence in knowing you have made the right decision and are not paying too much or buying the wrong plan

How easy is that?

#GAMedigapRates #MedicareSupplementRates #MedicareOpenEnrollment #Turning65

 

5 Medicare Open Enrollment Tips You Must Know

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Medicare open enrollment begins October 15 and ends at midnight December 7. There are at least 5 things you must know to avoid financial disaster.  You can be turning 65 and enrolling for the first time or have seen this movie before. Some people make the same mistakes over and over again without realizing the problem.

The next open enrollment is October 15, 2018.

If you think you already have all the answers, don’t read this post. If you believe Medicare open enrollment is for everyone you will probably learn something.

Did you know some parts of Georgia only have a few Medicare Advantage options but over 230 different Medicare supplement plans are available? Rather than “one-size-fits-all” you might be better suited to finding a plan that meets your needs and budget.

 

Post summary.

  • What you need before entering the open enrollment arena
  • Why you should never buy a drug plan from a stranger
  • Open enrollment isn’t for everyone
  • You may be denied a Medigap plan
  • Why you don’t want to auto-renew your drug plan or Advantage plan

Let the games begin!

Medicare Advantage – Oops I Made a Mistake

Medicare Open Enrollment Tips and Secrets

The first thing you need to know, Medicare open enrollment isn’t for everyone. Medigap plans never participate in open enrollment. No matter how well your drug plan served you this year it can turn into a nightmare next year.Medicare Open Enrollment

Be prepared!

Don’t buy a drug plan from a stranger. Don’t auto-renew anything.

Medigap plans are owned by you. A solid Medicare supplement plan will suit many well for years to come. Advantage plans are rented from year to year. The actual cost of the plan cannot be determined until you need it. By then it may be too late to change.

When in doubt, get advice. Even if you are confident, get advice. Don’t be afraid to ask for directions, even when you don’t think you are lost.

 

If You Don’t Know Where You Are Going You Will Wind Up Somewhere Else

Before enrolling in Medicare at age 65 for the first time, or planning your next move during Medicare open enrollment, there are things you need to do first.

  • Make a list of all doctors including name, address, phone
  • List all area hospitals, especially the ones you have used
  • Make a list of all medications including dosage, refills, prescribing doctor and pharmacy
  • Be aware of the donut hole and look for ways to avoid that trap
  • Make use of generics and off plan purchases
  • Look for FDA approved generics and ask your doctor before making a change
  • If renewing, get your drug list ID and password date from your last drug plan finder
  • If renewing, study your ANOC for changes
  • Use Medicare.gov for reviewing Advantage and drug plan options
  • Avoid using Medicare.gov for drug plan comparisons prior to October 25
  • Medicare.gov and the GA DOI site is essentially useless when comparing Medicare supplement options
  • Most Medigap quote engines only list a handful of options and rarely have plans with the best value
  • Many quoting sites will sell your information to numerous agents; some don’t provide instant quotes

Never put anything on auto-renew unless you like unpleasant surprises.

 

It’s Like Deja Vu All Over Again

It may seem like it, but just because you have been through open enrollment before doesn’t mean you got it right. In fact, most people get it wrong. Sometimes they eventually figure it out, sometimes not.

Putting your coverage on autopilot is one of the biggest mistakes people make.

Medicare Open EnrollmentAdvantage plans change every year even if the premium doesn’t. Doctors and hospitals leave the network. Copay’s and deductibles change. Most of the plans have increased the maximum out of pocket allowed by Medicare.

When your health changes your out of pocket charges can exceed $500 per month PLUS MEDICATION. At that point it is probably too late to change to a Medigap plan.

Drug plans change more than anything. It doesn’t matter if you have a stand alone Part D or a drug plan built into your Advantage plan. Your medication cost is almost guaranteed to increase over the current year.

Prescription drugs consume 25 – 30% of total annual health care costs. Your biggest savings can come from picking the right drug coverage.

Don’t buy a drug plan from an agent. Most will only show you the plans that pay them a commission. Good for them. Bad for you.

Don’t buy a drug plan from a carrier. They will only tell you what THEIR plan covers.

Don’t rely on a drug finder report for next year that is calculated before the end of October. It is rarely correct. Always keep a copy of the report including your drug list ID and password date. You may have to challenge the carrier if the formulary changes or ask Medicare for an SEP to move to another drug plan mid-year.

 

When You Come To A Fork In The Road, Take It

Some people are better off with original Medicare and a Medigap plan. Rarely will anyone be financially safe with Medicare alone.

Others are just fine with an Advantage plan.

Fork-In-The-Road

One is not inherently better than the other, but one is a better choice for your future needs.

Don’t let anyone tell you one plan is better than the other. If they try to sell you something, walk away. You don’t need them.

Shameless plug follows.

Bob Vineyard and Georgia Medicare Plans won’t sell you anything, but he will help you to buy the plan that fits your needs and budget. No hard sell. We educate our clients, listen more than we talk, ask questions, offer advice and then let you decide.

People hate to be sold but they love to buy.

We don’t sell anything.

We are shamelessly biased in favor of Medigap plans. That’s what I bought. Ask most agents what they will buy when they are on Medicare. If they are honest most will say they will buy a Medigap plan.

If you want an Advantage plan, call Scott. I will give you his number and a recommendation. Just ask me.

We are happy to help you buy the plan that fits your needs and budget but only when you are ready. Sometimes we will even tell you to keep the plan you have.

 

I Knew I Was Going To Take The Wrong Train, So I Left Early

If you have a Medigap plan and want to change, you may be denied.

If you have an Advantage plan, and want to change to a Medigap plan, you may be denied.

Medigap does not have an open enrollment.

wrong trainThere are only a few ways to get a Medigap plan without medical underwriting. One is to sign up when you turn 65 and enroll in Medicare for the first time. For many, that will be their ONLY CHANCE to purchase a Medigap plan.

Another is to successfully pass medical underwriting.

In some situations you may have a guaranteed right to purchase a Medigap plan but you may not get the plan you want or can afford.

Medicare open enrollment is only for those with drug plans and Advantage plans. Everyone else that wants a Medicare supplement plan may have to settle for something less.

I talk to people every day that say they are healthy but will never qualify for a Medigap plan. I can tell you in 3 minutes or less if you can qualify.

Don’t waste your time chasing something you can’t get.

 

I Never Said Most Of The Things I Said

Some agents will tell you anything because they think that is what you want to hear. Your friends are great but don’t buy what they have because what they have may not be right for them and it may not be right for you either.

“All my friends have AARP Plan F and it pays for everything”.

Yes, it does. But all plan F’s pay for everything and most will charge you a lot less than AARP.lily_tomlin_ernestine

“I have a Medicare plan and it doesn’t cost me a dime”.

Just because you don’t pay a premium doesn’t mean your coverage is free. Advantage plans are great until you use them then you may find you can’t really afford them.

$0 premium is not the same as $o cost.

Which works better for you? $0 premium or $0 copay and $0 deductible?

We specialize in Medicare supplement plans. We have rates for over 170 different plans and will freely share information by phone or email. No one will come to your house. You don’t come to see us. Most people like it like that.

If you really want an Advantage plan, we won’t try and talk you out of it. That’s not our job. We have an agent that handles those things for us. He is very good and you can take what he says to the bank.

You can get an instant online quote on our site. Your information is never sold. The quote engine only has about 30 plans. If you want to know all your options just ask. We have nothing to hide. We will even give you rates from plans we don’t sell.

We want to make your life simple so you can get back to enjoying retirement and the grand kids.

No smoke.

No mirrors.

Just solid advice.

We want to earn your business. Is that too much to ask?

Medicare open enrollment isn’t for everyone but we can make it a lot easier.

Medicare Open Enrollment

 

 

#MedicareOpenEnrollment #MedicareSupplement #MedicareAdvantage #GeorgiaMedicarePlans

Medicare Advertising – What is Legal?

Medicare advertising kicks into high gear in the fall because of the annual open enrollment period. This year you open enrollment begins on October 15 and runs through December 7. You can expect your mailbox to be stuffed with all kinds of medicare mailmansolicitations and advertisements. Your email volume may pick up as well with promises of better coverage for less money.

How much is real? What is a come-on? Are some of them scams? Are insurance companies legally allowed to offer Medicare advertising for enrollment purposes?

Most of the people we talk to, that already have Medicare, are in the wrong plan, paying too much, or both. It doesn’t matter if you are turning 65 and going on Medicare the first time, or have been covered by Medicare and just got bad advise. We can help.

We offer instant online Medigap quotes. No tricks. Compare plans and rates side by side. Your information is never sold.

Medicare shop and compare

We have rates on more than 170 different Medicare supplement plans and will always give you the lowest rate by phone.

 

 

Medicare Advertising

I have been in the insurance business for 40 years and am always interested in staying on top of what is going on around me in
“my world”. I read news articles daily, subscribe to information on Medicare and Social Security, and continuously scour the web for anything that might be of interest to my clients.

have I got a deal for youJust today I received the following in a newsletter published by an “independent” Medicare adviser. Normally their information is spot on but this was just wrong on so many levels.

Dear Marci,

Last year around this time I started receiving a lot of notices in the mail advertising different health insurance plans for my Medicare coverage. I was overwhelmed by the amount of information I received, and I don’t want to experience that again. How can I sort through these notices and make sure that I am not being taken advantage of? How are insurance companies allowed to market their plans?

– Naomi (Pittsfield, MA)

Marci’s response follows in part.

Dear Naomi,

You are not alone—this is a common concern among beneficiaries. October 15 marks the beginning of Fall Open Enrollment, which is the time during the year when Medicare beneficiaries can make changes to their health care coverage. Starting October 1, Medicare Advantage Plans will start advertising their offerings for next year. While most plans abide by the marketing rules set forth by Medicare, not all plans do.

Some of Medicare’s marketing rules for plans are:

  • Unless you are already a member of a plan or have given permission, plans are not allowed to contact you in any way other than through the mail.
  • Plan names cannot suggest that the plan is preferred or endorsed by Medicare.
  • Plan representatives cannot approach you in public places, such as parking lots of malls. In health care settings, plans can only advertise in common areas such as cafeterias. They may not advertise in waiting rooms.
  • If you schedule a time to speak with an insurance broker about Medicare Advantage options, they cannot try to sell you products other than a Medicare Advantage Plan, such as a life insurance policy.
  • Plans cannot offer gifts worth more than $15. Further, they must provide the gift even if you do not sign up for the plan.

In addition to being aware of these rules, you should consider these tips to help avoid becoming the victim of marketing fraud:

  • Always verify all information you receive from an insurance plan representative. If a representative says that a particular doctor is in network, you should call the practice to confirm with the doctor.

  • Be aware of your right to choose how you receive Medicare coverage. Medicare Advantage Plan representatives should not tell you that Medicare Advantage is your only option.

  • If you are feeling pressured, you can tell the plan representative that you will follow up at a later date. This will give you time to make your decisions.

  • Use government websites and official sources of information.

All of the above is good and helpful information, except it is not 100% correct.

The marketing rules above apply only to Medicare Advantage and Medicare drug plans.

Medicare advertising for supplement plans (Medigap) or about Medicare in general are not subject to the same rules and guidelines.

That being said, just because governance over Medigap advertising is somewhat relaxed does not mean carriers and marketers are free to say anything they wish.

 

Medicare Open Enrollment

Does the Medicare open enrollment affect you?

In some cases, yes.

If you have a Medicare Advantage plan or Part D prescription drug plan, welcome to open enrollment. In most cases you can change your Advantage plan without medical underwriting. There is never any underwriting for Part D.

Medicare supplement plans can be changed ANY time, not just during open enrollment. Unless you are a new enrollee, you will probably have to pass medical underwriting before you can make a change.

Just about everything you need to know about open enrollment can be found in our featured post, Medicare Open Enrollment 2015.

I suggest you click the link and take notes.

 

Are You Being Scammed?

Is the Medicare advertising misleading? Maybe, maybe not. Use common sense.

While perfectly legal, the Medicare Advantage literature quite often makes a big deal about $0 premium but (in my opinion) falls short in explaining the true cost of MA plans.car salesman scam

Advantage plans are great until you use them, then they can get quite expensive. That is usually when I get calls from people who say they can’t afford their $0 premium plan any more.

What they are really saying is they can’t afford to pay their medical bills. Unfortunately when it gets to that point they probably can’t qualify for a Medigap plan.

Here are a few things to watch out for if you are enrolling in Medicare for the first time or considering making a change.

Medicare Advantage –

  • Look for your doctors and hospitals in their provider directory
  • Find out if you need a referral to see a specialist
  • What is the penalty for using out of network (non-par) providers?
  • What is your in-network maximum out of pocket?
  • What is your out of network out of pocket maximum?
  • Do your drug copay’s change?
  • Are all your drugs on the formulary?

Medicare Part D –

  • Do your drug copay’s and deductibles change?
  • Are all of your drugs on the formulary?

Medicare supplement –

  • Don’t buy plan F
  • Don’t cancel any existing coverage until you know you have been approved by your new carrier
  • Don’t buy a Medigap plan based on price alone
  • All plans with the same letter pay claims and pay them on time
  • The only difference is the premium you pay
  • Never buy direct from the carrier
  • Use a local Georgia agent that knows the market

When shopping online bear in mind that most of the sites you go to are marketing sites. They gather your information and sell it to multiple agents.

When you get a quote from Georgia Medicare Plans your information is never sold. You get instant, online Medigap quotes. You will also get one phone call from me, usually within 48 hours.

I only call once. I will answer your questions, give you the best rates on plans in your area and give them over the phone.

No pressure. No tricks. Shop and compare now.

Medicare shop and compare

 

 

#MedicareOpenEnrollment #MedicareAdvertising #MedicareAdvantage #MedicareSupplementInsurance

 

Medicare Open Enrollment 2015

The Medicare open enrollment 2015 edition opens October 15 and closes December 7. If you are turning 65 you will be making best medicare supplement plan Fdecisions along with 48 million retirees looking to change their plans. Significant Medicare changes are expected in 2016 so plan accordingly. Medicare premiums and deductibles will rise next year and so will Medicare supplement premiums, especially for Medigap plan F. Medicare Part D drug plan costs will move higher as the donut hole gradually closes before 2020 when it disappears completely.

Also, Medigap plan F will be retired in 2020. The result will be even higher prices for plan F than you see now. Don’t be roped into buying a plan that will soon be cost prohibitive.

Instant online GA Medigap quotes. Shop and compare up to 30 plans side by side.

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Expect fewer Medicare Advantage plans, especially in rural Georgia. More PPO plans will go away and be replaced by HMO’s. Advantage premiums probably won’t change much but look for higher copay’s, higher deductibles and more plans will move to $6700 out of pocket maximum.

Keep in mind the MOOP (maximum out of pocket) only applies to IN NETWORK APPROVED claims (excluding drug costs).

Post summary:

  • What you need for open enrollment
  • Turning 65, new to Medicare, open enrollment not for you other than Part D
  • Losing employer retiree plan? Check out your options
  • Shopping online? We can guide you through the maze
  • Upcoming surgery? Medicare Advantage probably the wrong choice

 

Medicare Open Enrollment

All Medicare drug plans and Advantage plans run on a calendar year basis. Your current plan may or may not renew but whether it renews or not you need to be prepared for the Medicare open enrollment in 2015.

Here are a few pointers if you are new to Medicare or have been to this rodeo before.

  • Update your list of medications and dosages
  • Make a list of your doctors including name and address
  • Evaluate your health. Is it better or worse than last year?
  • Update your health care budget
  • Consider what you pay every month in premiums AND your out of pocket health care costs
  • Any planned surgeries or tests? You may save money having them done this year ….. or next.

More on planned surgeries coming up below in this post.

 

If You Are Turning 65

Turning 65? If you are not receiving Social Security, you need to sign up for Medicare A and possibly B. The easiest way is to go online using this link to Social Security.

happy birthday 65I did this in June. It took about 10 minutes. Three days later I received my Medicare letter and about 10 days after that my Medicare cards.

If you will be covered by an employer group plan you may not need Part B. However, you may need Medicare Part D if your current plan is not considered creditable.

If you have Medicare Part A, have been covered under an employer group plan and you want to enroll in Medicare Part B only you will need to complete forms CMS40B and CMSR297 then mail to Social Security or take it to their office for processing.

If you do not sign up for Part A when you turn 65 you may encounter delays and penalties in the future.

 

Losing Retiree Health Insurance

Many large companies including IBM, GE, UGA are terminating existing retiree health insurance and employees are being told to talk with consultants like Towers Watson and One Exchange.

If you are part of a group losing your retiree health plan there are things you need to know.

  • You may be required to purchase at least SOME coverage through the “exchange” to receive HRA monies
  • Most exchanges only show you a small sampling of plans in your area
  • The advisers are encouraged to push plans that pay a higher commission, even if that choice is to your detriment
  • Most of the Medigap plans on the private exchange are over-priced
  • Many times you can preserve your HRA bonus by purchasing Part D only through the exchange

There is no charge to consult with Georgia-Medicare Plans. You can run quotes on our website through this link and we will also email information on the lowest priced Medigap plans in your area.

Medicare open enrollment is your chance to shop and compare.

 

Shopping for Medicare Supplement Plans

Instant online rates are available for about 30 different GA Medigap plans through our quote engine. You may find that helpful but the real savings may lie among the more than 170 different Medicare supplement plans in Georgia.confused senior medicare

Online quote engines are limited to half a dozen carriers. We have Medigap rates for over 30 different carriers.

Some carriers offer lower non-tobacco rates to tobacco users when you meet the criteria. A few carriers have household discounts of up to 7% but many times the savings are mostly smoke and mirrors.

It doesn’t matter if you are new to Medicare or feel you have been given bad advice in the past, we are ready to listen to your concerns. There is never any obligation to buy from us (although we do hope we are given a chance to earn your trust) nor is there a charge for our time.

We have the same plans and rates you can get direct from the carriers. The difference is you don’t have to press 1 for English and you benefit from our 40 years in the industry.

Use this Medicare open enrollment time wisely. Others talk, we listen

 

Planned Surgery and Medicare

If you anticipate having major surgery within the next 12 months or so, you need to make the right choice when turning 65.

It doesn’t matter if you are having a joint replaced or eye surgery. Enrolling in a $0 premium plan is probably not your best option. Most newly minted Medicare beneficiaries will be much better off with a $0 copay, $0 deductible plan than a $0 premium plan.

With a $0 premium plan the insurance carrier picks your doctor and hospital for you.

With a $0 premium plan you are responsible for the lions share of the cost of your care.

Once you pick a $0 premium plan you may never again have the option of buying a Medicare supplement plan. The annual Medicare open enrollment period only applies to drug plans and Advantage plans. Following your initial enrollment period you may only enroll in a Medigap plan by going through underwriting. This initial enrollment time may be your only chance to pick a Medicare supplement plan.

Choose wisely.

Medicare shop and compare

 

 

#MedicareOpenEnrollment #Turning65  #MedicareSupplementPlanF

4 Money Saving Tips for Medicare Open Enrollment

4 money saving tips that can save you $1,000 per year or more with little or no effort on your part. No coupons to clip. No standing in line to make an money saving tipsexchange. All of these money saving tips can be done from the comfort of your home in a matter of minutes.

Our best money saving tips involve changing the way you buy your medications, and enrolling in a different Medicare supplement plan. Our clients save an average of $450 per year by keeping the same plan but changing carriers. Save even more with nominal cost sharing.

Click to shop and compare Medigap plans and rates.

Medigap rates are increasing in January. Apply before 11/15/14 and lock in today’s lower rates.

 

 

Money saving tip #1

Change your plan.

This is Medicare open enrollment. From now through December 7th you can change your drug plan or Medicare Advantage with a simple phone call or online enrollment.

For many people, their drug plan is the most expensive part of their health care expenditure. It doesn’t matter if your drug coverage is embedded in your Advantage plan or if you have a stand alone Part D plan, drugs, and how you pay for them, are expensive.

Here are just a few money saving tips to consider

  • Don’t run all your medications through your drug plan
  • Consider buying online such as through a Canadian pharmacy
  • Change your pharmacy
  • Consider a drug discount card
  • Order maintenance med’s in 90 day refills
  • Use mail order when possible
  • Switch to generics
  • Look for free medications

pharmacyIf you hit expect to hit your donut hole consider buying some of your medications without using your drug plan. The 2015 donut hole kicks in when the retail cost of your drugs hits $2960.

Obamacare eliminates the donut hole by 2020.

Sounds great, but here is how it is accomplished.

You pay more.

In 2014 you must have $6,455 in covered drug charges to hit the catastrophic level.

In 2015 that amount is $6,680, plus your copay’s in the catastrophic level increase as well.

And your premiums will rise in most cases, as will your total out of pocket costs for medications.

Canadian pharmacy’s are a great way to save money. We have recommended (and personally used) the same pharmacy for over 10 years.

If you are buying locally at a retail pharmacy consider making a change. Using a different pharmacy can save you anywhere from a few dollars to several hundred dollars a year. One local pharmacy is almost always lower than any other in your area.

Drug discount cards are normally a waste but we have found the discount card from Needy Meds to be superior to any other card.

If you are taking Amlodipine, Lisinopril or Metformin, did you know you can get these for free? Check out your local Publix pharmacy. Ask them to price your other drugs to.

Then pick up a steak to celebrate your new found savings.

 

Money saving tip #2

Change your plan.

If you have a Medicare supplement plan you are probably paying too much. At any particular age and zip code, prices for plan F can vary by $100 per month plan for even more. All plans with the same letter are identical in every way except price.

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

More money saving tips.

The plan with the lowest price today may not be a good value next year. Currently Manhattan Life and Omaha Insurance Company are using low, introductory rates to write business.

Neither carrier has a 5 year renewal rate history.

We NEVER recommend a plan or a carrier that has not established themselves for at least 5 years in the Medigap market.

Buy the low price now and run the risk of a double digit rate increase next year.

Or pay a few dollars more for long term rate stability. We have clients that have never moved their plan (or had reason to) in 4 years time.

We also never recommend plan F. Changing to G or N, with the right carrier, can save another $600 or more AND offer more rate stability.

 

Money saving tip #3

Change your carrier.

plan nIf you have a Medigap plan from Blue Cross or one of the Mutual of Omaha carriers we can almost guarantee you a savings of $40 to $90 per month or more.

Sometimes you can save even more by switching your Medicare Advantage plan.

Too often retirees look only at the Advantage premiums and the add-on benefits such as dental, vision and gym memberships. The REAL cost of an advantage plan is in what YOU pay for your health care.

Your built in drug plan can be a money hole. We recently ran a report for a diabetic client and found the Advantage plan he wanted would have cost him almost $6,000 more for his drugs vs a different plan he had never considered.

Why?

Because only half his doctors were in network with plan “B”.

For a few dollars more we showed him a Medigap plan that allowed him to keep ALL his doctors, have less out of pocket than either Advantage plan, and pay less for his med’s than either Advantage plan.

All totaled he saved almost $100 per month in out of pocket costs and had less headache than the Advantage plan.

We had a similar situation with a client’s drug plan. Read “Lassie cant’ find a Medicare plan

 

Money saving tip #4

Review your drug coverage, and change your agent. If you got this far your current agent isn’t doing you a favor.

People who buy Advantage plans almost never bother to check pricing on their medication. If their doctor is in network, and their drugs are covered, they stop there.

Never, ever, ever buy a plan without comparing your actual cost for medications.

This is generally a lot easier with a Medigap and separate Part D prescription drug plan. When you have original Medicare, a supplement and a drug plan you can build the kind of coverage you need from scratch. With Advantage plans you take what is in stock on the shelf.

Either it fits or it doesn’t.

No tailoring allowed.

Georgia Medicare supplement rates

 

Money saving tips

These tips can save you hundreds to thousands of dollars each year, but you must act now.

The last day to apply for an Advantage plan or drug plan is December 7, 2014.

The last day to apply for a Medigap plan at 2014 pricing is November 15, 2014. We are taking applications now for December, January and February.

 

#medicareopenenrollment  #medicareannualelectionperiod

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 shockDo 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 whatIt’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

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

 

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_moneyMost 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

Medicare Annual Enrollment – Finding the Best Value

Every year during the Medicare annual enrollment we have calls and visitors to Georgia Medicare Plans that are looking for ways to save money. Living on a fixed income is plenty enough reason to make sure you have the best value in your Medicare plan. medicare annual open enrollment

What are P.A.R.E. claims and why should you be concerned? Who are the hidden providers? What are Medicare excess charges?

 

Many retiree’s are disillusioned with their Medicare Advantage plan and want to return to original Medicare during open enrollment. Some have seen their Medigap plan F premiums rise to the point they are no longer affordable and are considering a reduced benefit plan such as A, D, K, L, N or Hi F.

What is the best solution that fits your needs and budget? With more than 170 different plans to consider, how do you shop and compare to find the best plan for you?

 

Medicare annual enrollment

The Medicare annual election period begins October 15th and ends December 7th. During that time you can change your drug plan or Medicare Advantage plan. Many people will make that change whether they like it or not.

When their ANOC (annual notice of change) arrives they discover their PDP (prescription drug plan) will not be offered next year. Or their monthly premium is increasing. More often, the premium remains about the same but the cost sharing increases in the form of a deductible or higher copay’s via formulary shift.

Medicare Advantage cutsDuring Medicare annual enrollment many Advantage plans also come with surprises. Doctors that were in your network this year will not be in network next year. Your premium is increasing, deductibles and copay’s are higher.

And then there are those out of pocket costs.

Most people only look at their Advantage plan in terms of their monthly outlay and fail to plan for the unexpected when they are faced with medical bills in the thousands of dollars. Take advantage of this annual enrollment time to review all aspects of your plan.

Medicare Advantage plans, unlike traditional Medicare, are required to limit out-of-pocket costs for services covered under Parts A and B ($3,400 is recommended; $6,700 is the maximum). Between 2013 and 2014, the share of Medicare Advantage enrollees in plans with limits above $5,000 almost doubled, from 24 percent in 2013 to 44 percent in 2014.

KFF

This “out of pocket creep” is a common tool of Advantage plans. You are lulled into a false sense of security with the low monthly premiums and fail to consider how much your plan REALLY costs.

Your out of pocket maximum is only for IN NETWORK APPROVED CLAIMS.

What is NOT included in your out of pocket cap?

  • unapproved claims by your doctor, lab, hospital, etc
  • prescription drug costs, including your donut hole
  • claims incurred with non-participating providers

 

Hidden providers

Non-participating, hidden providers have been around for years but are something rarely discussed. senior-scratching-head

Hidden providers most often crop up in P.A.R.E. claims. You will find literally hundreds of medical providers in any area that do not participate in ANY managed care plan, and even more so with Advantage plans.

What does P.A.R.E. stand for?

  • Pathology
  • Anesthesiology
  • Radiology
  • Emergency

Non-par claims, especially in these areas, are quite common. These are providers that opt out of all networks so they can bill you in excess of the Medicare allowed charges. It is not unusual for these providers bills to exceed the Medicare allowance by hundreds or thousands of dollars!

And those claims are EXCLUDED from your Advantage plans out of pocket cap.

 

Original Medicare

When Medicare was created in 1965 beneficiaries were free to use any doctor, lab or hospital, anywhere in the United States.

There were no networks. No participating or non-participating providers. No penalties for using the “wrong” doctor.

dr lundellYou had complete freedom to pick a doctor that is right for your needs rather than choosing from a list of approved providers. Medicare annual enrollment did not exist.

You went on Medicare at age 65 and kept it for life. Annual enrollment was a foreign term and life was simple.

Original Medicare had almost no moving parts and the only real financial exposure was in the form of deductibles and coinsurance. Medicare then, and now, have NO CAPS on your annual out of pocket.

Your Medicare Part A hospital deductible is currently $1216 ……….. per benefit period (per admission). That may not be so bad unless you are like a former client.

Roy had the misfortune of being admitted to the hospital 5 times in the year he died.

That’s a lot of exposure.

Roy also had numerous doctor visits, MRI’s, lab work and chemotherapy. Those fall under Medicare Part B where you pay the annual deductible (currently $147) and then the remaining 20% of what Medicare does NOT pay.

Roy also had a Medicare supplement plan that paid 100% of approved Medicare claims.

Electronic imaging, the “R” in P.A.R.E. claims, can easily run over $1000 per event.

Modern chemotherapy is normally performed in an outpatient (Part B) setting. Some chemo drips run $5,000 or more.

How does a retiree, living on a fixed income, protect themselves from financial ruin?

With a Medigap plan. Shop and compare plans.

 

Medicare Supplement Plans

Shortly after Medicare was “invented” insurance carriers realized the financial risk involved and presented a way for seniors to protect their life savings by purchasing a policy called “gap” insurance. The common name is Medigap, although that term is interchanged with Medicare supplement in much the same way as Kleenex and tissue are synonymous.

Medicare-quote-front-CW-300x200

In 2006 Medigap plans were standardized and assigned letters. Each plan with the same letter was identical in every way ………. except the monthly premium.

Paying more for your Medicare supplement plan doesn’t get you a better plan, it simply means you paid too much.

Currently the Medigap plan F is the most popular ……… and the most over-sold plan. It almost always fails to deliver on value. Occasionally a new carrier will come along and under-price their plan, intentionally or otherwise, to capture market share. Almost invariably with a year or two that plan is becoming prohibitively expensive.

Retiree’s on plan F will use the Medicare annual enrollment period to shop for plans looking for a better value.

Georgia has 11 approved Medigap plan designs offered through over 30 different companies. The result is more than 170 different plans and rates to sort through.

A wise shopper will quickly discard 8 of the plans as either being over-priced for the design or lacking in value.

At Georgia Medicare Plans we encourage our clients to focus on 3 plans and eliminate carriers that have not offered Medigap plans for at least 5 years. This approach clears out the clutter by casting aside low value plans and narrows the field of carriers to only a handful.

Removing carriers that lack a proven track record in the Medigap supplement arena eliminates 10 carriers from consideration. Using data from CSG Actuarial, this includes companies including GPM, Heartland National, Gerber, Bankers Fidelity Assurance, as well as newcomers such as Omaha Insurance Company, Manhattan Life, Companion Life, and American Retirement Life.

Focusing on value, eliminating carriers that may be here today and gone tomorrow (like AFLAC), and observing renewal rate action we can help our clients find a plan that fits their needs and budget year in and year out.

 

Our service is valuable but you pay nothing

Bob Vineyard has almost 40 years in the health insurance industry. His expertise is available to you at no charge.

Georgia Medicare Plans has access to over 170 plans and rates you will not see on any website. Most agents will only show you a few plans from one or two carriers.

When you call a company or marketing organization (such as AARP) you will only be told about plans THEY offer. If you want to compare their plans to the competition you will have to call another company and listen to their sales pitch about THEIR products.

Once you have all that you may have fewer than a dozen plans from 4 or 5 carriers and then YOU have to decide on your own which plan is best for you.

Medicare supplement costWe give you the opportunity to view as many plans as you want, take the time to explain the benefits of one plan over another, advise you on rate history, who is brand new and who has been around for a while.

We can do this in 15 minutes or less by phone and email.

Finding a plan that fits your needs and budget starts with a brief phone call so we can learn what is important to you.

For some it is the ability to choose their own doctor, and keep ones they have now. Some want full coverage while others are willing to participate in cost sharing in exchange for premium savings.

Even then, the cost sharing is minimal and significantly less than the thousands of dollars you may need to spend every year with an Advantage plan.

From there we can recommend plans that will work for you and let you decide.

During this years annual enrollment what do you want? You can spend weeks online, searching, and dealing with endless phone calls. You can have a parade of agents in your home or you can attend “information meetings”.

We allow you to shop from the comfort of your home. Our site allows you to run your own quotes and compare plans side by side. When we receive your information an email will go out with the subject line “Medigap rates you won’t see anywhere else“.

In the body of the email, in bold print, are rates for our most popular plan based on your age and zip code.

We also follow up with a phone call to make sure you received the email and answer any questions.

No pressure. No in home visit. This is your opportunity to ask questions and get straight answers.

Don’t walk away. Shop and compare now.

medicareplansgeorgia

Medicare Open Enrollment Rate News

Medicare open enrollment for 2014 is almost half way over. Georgia Medicare Plans specializes in affordable Medigap plans to fit almost every budget.  Medicare open enrollment rate news

 

Medicare Open Enrollment Medigap Rates

Who is raising rates for 2014 and how much? Which carrier recently dropped rates, but only for NEW policyholders? Which big name carrier recently pulled their Medicare supplement plans off the market and what does this mean for those left behind? How do you find the most affordable Medigap plans? Which supplement plans are available for diabetics? Why is a dog on this page?

 GA Medigap Quotes

Medigap Rates You Won’t See Anywhere Else

You can find Medicare supplement rates online almost anywhere, but if you want REAL SAVINGS, you have to know where to look.

Most Medigap carriers and agents will only show you Medicare supplement plan F. Why is that? If you don’t know the answer you are talking to the wrong person.

Most agents will show you rates from the number one Medigap carrier in Georgia (Blue Cross) and the number two carrier (Mutual of Omaha). Why?

They have some of the highest rates and that generates the biggest payday for the agent.

The agent that only shows you plan F, and only shows you Blue or Omaha, is thinking more about their wallet, not yours.

We are not afraid to show you lower rates, even when we earn a lower service fee. We will show you how to save real money by picking something OTHER THAN plan F.

We also share the secrets of saving money on your medications even though we earn $0 for those recommendations.

We have the LOWEST Medigap rates anywhere and know more ways to put more money in your pocket.

But here is the catch.

You have to ask.

 

Medicare Open Enrollment and Supplement Rates on the Rise

Two carriers recently announced rate increases for 2014. Normally we don’t have this information until late November or early December.

One carrier will be increasing rates 8% which in the big scheme of things, isn’t bad. Their typical increase in the past has been in the 13% range.

Now the bad news.

Their two most popular plans are no longer available.

More bad news.

If you own a policy from this carrier, even if you bought it last month, your rates are increasing 8%.

The other Medigap carrier is raising rates by 6% on their most popular plan. If you bought one of their plans in 2013 your first year rates will still hold until your policy anniversary.

There is still time to lock in the 2013 low rates but you need to apply BEFORE 11/15/2013

Shop and compare up to 40 plans in 60 seconds.

GA Medigap Quotes

 

Only one of these carriers allow their rates to be quoted online. Call or email if you need a personalized quote showing the four best plans that fit your budget. Be sure to include valid contact information (phone & email) as well as your DOB and zip code.

We recently showed one Georgia couple how to save over $1700 per year by swapping their Mutual of Omaha Medicare supplement plan F to a different plan. I can’t guarantee you that much savings, but we rarely disappoint. As they say on TV, 15 minutes could save you 15% or more.

Medicare Supplement Rates Drop?

Believe it or not, one carrier recently DROPPED their rates an average of 23% . . . but only for NEW policyholders.

Existing policyholders that bought in September, 2013 or earlier still pay the old, higher rates unless they re-applied.

This big name company swaps carriers about every 3 years and pulls this same stunt.

The recent rate and name change was so sudden that most quote engines (including ours) have not yet updated to include the new rates. But we have a private (offsite) quote engine with plans from over 30 carriers.

By the time you read this their rates MAY be loaded for review at Georgia Medigap Quotes. If not, you can always call or email for a personalized proposal.

 

Which Big Name Carrier Ducked Out of the Medigap Business?

AFLAC gave up the ghost in September. They are still around and offering cancer plans and such, but no more Medicare supplement plans.

This time around that ride lasted about 16 months but not before they raised rates for policyholders.

Their departure is not a qualifying event so you are not eligible for a guaranteed issue transition to a different carrier. But the good news is, we have several carriers that will issue policies if you are in overall good health. Many diabetics can pick up a new policy with a carrier that is expected to stay in the market for a long time.

If you own an AFLAC plan, shop and compare your rates or give us a call.

 

Check us out on Facebook and “like” our page!
We know your time is valuable and we hope this letter has been helpful. Even if there is nothing here for you, please pass this along to your friends who may be looking for savings and advices

So why is the dog on this page?

I thought he was cute.

First Timer’s Guide to Medicare 2018

Do you need a first timer’s guide to Medicare? It doesn’t matter if  you are turning 65 and this is your first time in Medicare or you are an “old hand” looking at the 2018 Medicare open enrollment period, you probablyfirst timers guide to medicare need help. Which is better? Original Medicare and a Medigap plan or Medicare Advantage? How much do you really know, and how much do you think you know? How do you avoid buying the wrong plan or paying too much?

The knowledge gap can be frightening.

 

Why You Need a First Timer’s Guide to Medicare

If you don’t ask the right questions you will not get the answers you need. How do you know the information you have is accurate? The Medicare site is comprehensive but is not always up to date or accurate.

In talking with “first timer” Janet she recently visited the Medicare site and to her surprise, there were only 4 Medigap carriers listed in her zip code.

There are over 30 carriers that write Medicare supplement plans in Georgia and those plans are available in every county and zip code throughout the state.  With 11 unique standardized plans and that many carriers it is easy to become overwhelmed.

If you are going to shop and compare Medicare supplement plans and rates less than a dozen allow their rates to be posted online. We invite you to use Georgia Medicare Plans free quote engine to shop and compare up to 40 plans in 60 seconds or less.

GA Medigap Quotes

We also have access to over 200 plans offline and will be glad to provide you a side by side comparison of rates so you can be assured of getting the best possible rate for plans that meet your needs and budget.

Most people want information but they also need answers to questions about Medicare when you are 65+.

If this is your first time buying health insurance the task can be daunting.

Bob Vineyard has been helping people navigate the maze of choices, plans and rates since 1975. If he can’t help you, no one can.

 

First Timers Guide to Medigap or Medicare Advantage

One of the most difficult challenges for newcomers to Medicare is which path to take. Should you go with original Medicare and a supplement plan or venture off into Advantage land?

Affordability is an issue but most people simply look at the lower premiums on Advantage plans and never realize the true cost of Advantage plans. Budgeting the premium is easy. The hard part is figuring out what you will pay when you get sick or injured.

I always tell people that Advantage plans are great until you need them, but when your health changes and you need medical help will you have the money and ability to navigate the system? You can minimize your out of pocket costs by only picking from the list of doctors and hospitals provided by your Medicare Advantage carrier. Go outside the network and you will find that you have little coverage or none at all meaning you have to come up with several thousand dollars that may not be in your budget.

That won’t happen with a good Medigap plan. You know almost to the penny how much you will have to pay for medical services and you are free to use any doctor or hospital anywhere in the United States.

 

Medicare Supplement – Don’t Get Ripped Off

Do you know how easy it is to pay too much for your Medicare supplement plan? You are about to find out.

Carl signed up for Medicare 4 years ago when he turned 65. Based on the recommendation of a friend, he bought a Blue Cross of Georgia Medicare supplement plan F. At $139 per month it seemed like a good price for a plan that covered everything approved by Medicare Part A and Part B. He was told his BCBSGA plan would be readily accepted by any doctor or hospital throughout Georgia.

medicare supplement - don't get ripped offThat part was true, but what Carl did not know was that ALL Georgia doctors that accept Medicare assignment will treat him and take his Medigap coverage regardless of  the carrier.

That same plan today costs him over $200 per month and will increase to $181 in January.

Medicare supplement plan F could have been purchased from a different carrier for $104 in 2010 and today the premium would be $128. That’s  LESS than his cost of coverage from four years ago!

Don’t get ripped off! Make the wrong decision today and you will pay for that mistake over and over again for a very long time.

When Carl first bought his plan he was in good health. Today he has a heart condition and is facing surgery to correct coronary artery blockage. Because of impending surgery he is not able to change to a lower premium plan at this time.

The only consolation is, with his Medicare supplement plan F he should not have to pay a dime for his health care.

Carl could have used a first timer’s guide to Medicare. With our help he would have saved a lot of money over the years.

When you shop and compare Medigap plans with us you not only have instant access to top plans and rates but you will learn how seniors that bought a plan from Mutual of Omaha in September 2013 would have saved over $30 per month by simply waiting until October to buy the exact same plan.

 

#NavigatingMedicareMaze #GeorgiaMedicareSupplementRates #MedigapPlanF #MedicareSupplementPlanF