Medicare Supplement Rate Increase History

How often do Medicare supplement rates increase? What is average premium increase? Where can I find supplement plan rate histories? Do plan F Medigap rates increase more than other plans? Why are my rates so high?

All good questions but here is something you should know.

Tracking rate increase histories doesn’t matter. This video explains.

Medicare Supplement Rate Increase History

Why Medicare Supplement Rate Increase Histories Don’t Matter

Don’t worry about previous rates. The history of a particular plan or carrier does not allow you to predict future rate increases.

  • Renewal rates are market driven
  • Renewal rates also reflect loss ratios
  • Loss ratios impact renewal rates but are tempered by market share
  • Medigap carriers rarely stay in a particular market longer than 3 or 4 years
Medicare premium sticker shock
Medigap Rate Sticker Shock

Medicare supplement rates are market driven

During the last few years most carriers did not care about offering competitive plan F rates. This is especially true for “household” name brands. Carriers that market direct to consumers know folks will buy their product without shopping rates. Popular brands include Anthem Blue Cross, Mutual of Omaha and AARP/United Healthcare.

Name recognition, size and financial strength may be a consideration for most products. But this criteria does not extend to Medigap plans.

All Medicare supplement carriers pay claims on a timely basis. Most are paid in 3 to 5 days once the claim is received from Medicare.

When you pay more for your Medigap plan you don’t get more, you simply paid too much.

Some carriers that are new to the market are aggressively pricing their G plan. Don’t get sucked into a low entry rate. Ask #GAMedicareExpert Bob Vineyard for advice. Never any charge.

Loss ratios drive renewal rates

Some carriers will intentionally underprice their plans to attract market share. These plans and rates may be very competitive for a year or two before the renewal increases are double digit.

Don’t get lured into a low price offered by a carrier that has only been in the Georgia Medicare market a few years.

Low rates and loose underwriting will generate high loss ratios. What follows are huge rate increases and the possibility the carrier will withdraw completely from the market.

Medigap carriers come and go

As of May 2019 there are almost 50 carriers writing Medicare supplement plans in Georgia. Over the last 4 years or so we have seen at least 20 carriers leave the market and be replaced with lower priced plans. Often the departing carrier is owned by a large, brand name carrier. The parent company introduces another subsidiary with lower rates than the retired carrier.

Don’t get sucked into buying a plan from a carrier that is owned by a household name. That subsidiary will probably leave Georgia within 3 to 4 years. Future rate increases are almost always significantly higher than companies that are still writing new business.

Ask a Medicare expert for advice

Bob Vineyard has over 40 years in the health insurance industry and is also on Medicare. You have questions? We have answers.

Here is my offer.

Give me 10 to 15 minutes by phone to answer your questions. If you don’t feel comfortable with my approach or believe you can get better help and advice elsewhere, move on. We part as friends.

This isn’t personal, it’s just business.

But if you like what I have to offer and would like my help navigating the Medicare maze, let’s do business. Never any pressure. It is always at your pace.

This is what I call an offer you can’t refuse.

Georgia Medicare Gives Thanks

Georgia Medicare Looks at 2018

As Dickens said, “This is the best of times and the worst of times.” Like all years, there are times when things are good and times when things are not so good. From a business perspective I would give this year a 9 on a scale of 10. Georgia Medicare expert reflects on 2018.

Georgia Medicare expert

The Good News

Georgia Medicare supplement clients continue to bless me with referrals. My business grows mostly by word of mouth. When my advice is useful clients remember and pass my name along to their friends.

Like that old shampoo commercial where Heather Locklear told two friends about Faberge, and they told two friends, and so on.

Good new spreads like wildfire, and it is appreciated. With more than 500 GA Medicare clients, new referrals come in almost every month.

Thank you for being generous and sharing my name with your friends.

Georgia Medicare YouTube Channel

After years of planning and hoping it would happen, I finally implemented my Georgia Medicare YouTube channel in early summer. With the help of Christy Sanchez this labor of love is now a reality.

The videos are not fancy or technically complicated. It’s just me talking to the camera the same way I speak to you on the phone. Feel free to like, share and comment on any of the videos.

Of course you can also ask questions.

Say Hello to New Medigap Carriers

I currently count almost 60 insurance carriers offering Medicare supplement plans in Georgia. Many are brand new to the Medigap business. Others are new to Georgia.

At least 6 carriers are new to the Georgia Medicare market. Each one has cut rates to the bone in an attempt to gain market share.

It’s a race to see who can offer the lowest Medigap rate.

For at least a year.

New carriers include Lumico, Western United (late 2017), Everest (late 2016), American Continental, Prosperity (gotta love that name), Mass Mutual, Unified and Pan American. I might have missed a few but that’s a mouthful.

I generally don’t recommend a carrier until they have been here at least 3 years. In the past carriers (like AFLAC) have either disappeared from the market or blew up their rates on renewal in the first 3 years.

I don’t need that kind of drama in my life and neither do you.

Say Hello to a New Name for an Old Friend

One shining star is Anthem Blue Cross. BCBSGA has been co-branded with parent Anthem for a few years now. As of July 2018 the Anthem name is on all new Medicare plans in Georgia.

Of course you can call them direct or use an agent like myself. When you go direct you are a “house account”. You will never know who will answer the phone or anything about them. 

Last week they could have been asking if you wanted fries with your meal.

When you call me you will never hear “Press 1 for English”. You get me or voice mail. Leave a message and I will call you back.

No extra charge for my 40+ years experience.

You can enroll in an Anthem Medigap plan using my link . . . if you have an hour or so to kill. 

https://brokerportal.anthem.com/ac/BobVineyardAnthemGA

Or call me direct. I can take your information in about 10 minutes.

You choose.

The Bad News

A few carriers like Equitable, Manhattan and Aetna Health and Life stopped writing new Medigap business in Georgia. If you have a plan with them you can keep it as long as you pay your premiums.

I hope to move as many as possible away from these carriers in hopes of seeing fewer and smaller rate increases at renewal.

Thank You!

Thank you for all your support, for passing my name along and especially the kind words for my Georgia Medicare YouTube Channel.

I look foward to helping as many people as possible to navigate the Georgia  Medicare maze.

Best Georgia Medigap Plans

Looking for the best Georgia Medigap plans? Don’t follow the sheep!

  • The best Medigap plan is the one that meets your needs and budget
  • All Medigap plans assigned the same letter are identical in every way. Medicare says it. Look it up. Page 81, Medicare and You 2017 under the heading Medigap Policies Are Standardized
  • Every way except the premium you pay.
  • Over half the seniors that have a Medigap plan choose plan F. . .  but maybe they could have made a better choice
  • Almost 3 out of 4 Georgia seniors buy their coverage from Blue Cross, AARP (United Healthcare) or the “Mutual” company.
  • Did they get the best Georgia Medigap plans?
  • No, they simply followed the crowd.
  • My mother used to say “If Greg jumped off a cliff would you want to also?”.
  • Just because your friends bought plan F from a “big name” carrier doesn’t mean it is the right choice for you.

 

Four things  you need to know about Medigap plans

  • Medicare supplement plan F is the most expensive Medigap plan available in Georgia.
  • Plans offered by the top 3 Medigap carriers in Georgia are some of the most expensive plans.
  • The more you pay for your plan the more money the carrier and the agent make
  • When you pay more you don’t get more, you simply paid too much.

 

How do you shop for the best Georgia Medigap plan?

It depends.

Do you want rates fast or faster?

The quickest way is to run you own rates online.

But you can always call if you want. We want to help.

Best Georgia Medicare Supplement Rates

 

 

#BestGeorgiaMedigapPlans #BlueCrossMedicareSupplementPlans #GAMedigapRates

New Era Medigap Plans

New Era Medigap plans fill the GAP left after Medicare pays their portion. A New Era Medicare supplement plan not only protects your wallet against catastrophic claims but can generate hundreds of dollars per year in premium savings.New Era Medicare supplement plans

New Era Medigap plans, including plan F, are identical in every way to Medicare supplement plan F from Blue Cross, Mutual of Omaha, AARP or any other carrier.

Identical in every way except without the high premium.

In some states New Era offers Medicare supplement plans through Philadelphia American.

 

Georgia Medigap plans & Prices
Georgia Medigap plans & Prices

 

New Era Medigap plans offer policyholders outstanding value.  Other benefits include:

  • Quick underwriting and fast policy issue
  • Friendly customer service
  • Efficient paperless claim service on all New Era Medigap plans

All New Era Medigap plans allow you to use any Medicare approved doctor or medical facility. There are never any networks and you do not need a referral to see a specialist.

With a New Era Medigap plans you have access to over 16,000 Georgia doctors and over 200 hospitals.

New Era has a 40+ year history of providing coverage to policyholders. Georgia residents can pick from Medigap plan A, C, F, G or N.

All Medigap plans issued since 2010 are standardized to meet CMS guidelines. Most people will buy Medigap plan F because that is usually the only plan presented by most carriers and agents. They never are given a chance to learn how to maximize their dollars by considering money saving options in plan G or plan N.

All modernized Medicare plans offer all government mandated benefits including preventive care. Medicare preventive services include diabetes screening, immunizations, glaucoma testing, mammograms and pelvic screening. Click for a complete list of Medicare  preventive benefits.

New Era plans do not cover outpatient prescription drugs. For that you will need a separate Part D prescription drug plan.

The only way to obtain New Era Medicare supplement rates is through an independent agent. Get instant Medigap quotes.

 

#NewEraMedicareSupplement

Why Are Georgia Medigap Rates So High?

Why are Georgia Medigap rates so high? Which Medicare supplement carrier raises rates the most? Why are (this carriers) Medigap rates going up so much? Which carrier raises rates more? UPDATE 2017 – Wild times ahead! Many carrier rates are increasing by 10% to 15% and some even higher.

georgia medigap ratesThe most popular search term at Georgia Medicare Plans is for Georgia Medigap rates. One large well known carrier in particular dominates the searches more than any other Medicare supplement carrier.

That same carrier has handed out more rate increases since 2012 than any other Medicare supplement carrier. They increased rates ELEVEN TIMES since 2012!

Why is this? What is the answer?

The simple answer is, do your homework before buying.

  • Never buy on carrier name recognition alone
  • Don’t buy a plan based on rate UNLESS you also know the rate history for that carrier
  • Listen to your friends, but don’t buy a plan based solely on their recommendation
  • Never buy under sales pressure

When you make the right choice you can keep that plan for years and never have any regrets. When you turn 65 and enroll in Medicare, that may be your only opportunity to purchase a Medigap plan. There is only ONE open enrollment for Medicare supplement plans.

Why look at only a handful of Medicare supplement plans when you have the opportunity to compare over 170 different plans? Check out GA Medigap Quotes for instant, side by side comparisons of the most popular plans.

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If you don’t know where you are going you will never get there.

 

What’s up with Georgia Medigap rates?

Good question. The answer is not simple but I will do my best to explain. But first, here is a sample of queries that drove searchers to my site over the last few weeks.ga medigap rate increase

How often does Mutual of Omaha raise their Medicare supplement rates? What are Mutual of Omaha Medigap rates? Why are Mutual of Omaha Medicare supplement rates going up so much? Rate increases for United of Omaha? Which carrier has raised rates most often, Mutual of Omaha or Aetna?

Everyone our age remembers Mutual of Omaha’s Wild Kingdom. Tune in Sunday evening to watch Marlon Perkins track a mother lion and then close the show by saying “Just like the mother lion protects her cubs, Mutual of Omaha will protect you”.

Corny, but effective.

When asking about Medigap rate increases you need to understand there are 4 different carriers that trade on the Omaha name, not just Mutual of Omaha. Tracking rate history can be challenging at best and impossible for most consumers.

 

Georgia Medigap rate changes

Since 2012 Omaha carriers have increased rates no less than 11 times. Some rate increases applied only to legacy (in force) policyholders, some for new applicants, and some increase applied to both. Below is a summary of  changes in Georgia Medigap rates.

  • September 2012 – increase for United of Omaha modernized plans, new and in force
  • December 2012 – increase for United of Omaha standardized plans issued prior to June, 2010
  • July 2013 – increase for Mutual of Omaha standardized plans
  • August 2013 – increase for United World standardized plans issued prior to June, 2010
  • September 2013 – increase for new United of Omaha applications
  • October 2013 – increase for legacy (in force) United of Omaha modernized plan policyholders
  • October 2013 – increase for United of Omaha legacy plan N policy holders
  • December 2013 – increase for United of Omaha standardized plan policyholders
  • October 2014 – increase for United of Omaha plan N policyholders
  • August 2015 – increase for new and legacy Omaha Insurance Company modernized plan policyholders
  • October 2015 – increase for United of Omaha legacy modernized plan policyholders

That’s a lot of rate increases spread over 4 issuing carriers in less than 4 years.

And consider this. New applicants will eventually fall into the legacy class within a short while.

The carriers I recommend have had only 4 rate increases  (each) since 2012. Legacy policyholders receive the same rate adjustment as new policyholders. In other words, legacy policyholders are not burdened with frequent or higher rate increases so new applicants can enjoy lower rates for a while.

Legacy policyholders with carriers I suggest do not pay higher rates than those applying for new coverage.

 

 

Buying a Medigap plan when turning 65

When you first turn 65 you can purchase any Medigap plan you want, no questions asked. During your initial open enrollment it doesn’t matter if you medigap rate peacecan run marathons or if you have one foot in the grave.

In the future you can change plans any time you want, but only if you are healthy. There are no annual enrollment periods for Medicare supplement plans. The plan you buy when you turn 65 may be a plan you have to keep for the rest of your life.

If the premium is no longer affordable you option is to switch to a Medicare Advantage plan (lower premiums, higher out of pocket, no choice of doctors) or have original Medicare as your only coverage.

We help you find the right plan that meets your needs and budget so you can have peace of mind now and in the future.

 

Why limit yourself to one Medigap carrier?

Georgia Medicare Plans is appointed to represent over a dozen Medicare supplement carriers. In almost every situation we can offer you the absolute lowest rate for the plan you want.

But sometimes you might want to pay a few dollars more for long term rate stability.

Or you can just buy based on brand name and hope for the best.

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#GeorgiaMedigapRates  #MedicareSupplementRateIncreases  #GAMedigapRates #2017MedicareSupplementRates

Georgia Medicare Facebook Feed

What is the Cost of Medigap Plans in Georgia?

In Georgia, what is the cost of Medigap plans? What do Georgia Medigap plans cover? Which companies offer Medicare supplement insurance? Is Medicare plan F the best? Should I buy a plan from Blue Cross or Mutual of Omaha?  FB Groucho Marx3

 

What is the cost of Medigap plans in Georgia?

Medigap rates are determined by many factors.

If you are turning 65 and ageing in to Medicare your cost of Medigap coverage is less than you would at age 70 or 75. (This is especially true with AARP United Healthcare rates).

Tobacco users pay more than non-tobacco users.

With most companies, men pay higher rates than women. Some carriers offer teaser discounts if you buy multiple policies. Others quote you low, introductory rates then zap you at each successive renewal.

In most cases you will pay more for a “name brand” carrier vs. one you may never have heard of before. But don’t let that stop you. All Medicare supplement plans with the same letter are required by CMS to offer the EXACT SAME COVERAGE, but they are allowed to charge you whatever price they want.

The carriers are allowed to charge more, or less, according to what the market will bear. But you don’t get a “better” plan by paying more. In most cases if you bought a “blue” plan, one from a mutual company or a plan offered by a large senior organization you paid too much.

 

Comparing plans in Hartwell, Georgia

Bill and Alice are turning 65 and looking at the cost of Medigap plans in their area. Specifically, they have asked about Medicare supplement plan F because that is what their friends have. They have also asked for rates from Blue Cross and Humana.

I never recommend plan F, and I never suggest buying from a name brand carrier. Even if you have money to burn, there is no need to pay more unless you just feel good about making the carrier and the agent wealthy.

Blue Cross rates for Bill are $176 a month, Humana is $175

Blue Cross rates for Alice are $176 and Humana is $168.

If they want Medigap plan F with either of those carriers I will be happy to assist. But I am obligated to tell them they can get the exact same plan for $40 – $50 less each.

They can save even more by picking something other than plan F.

If they follow my advice they will save well over $1400 per year.

Or they can listen to their friends, buy plan F from the Blue company, and fritter away $120 per month and have nothing to show for it. Pride and folly can be expensive.

 

What do Georgia Medigap plans cover?

All Medigap plans are standardized and the benefit structure is dictated by CMS. Georgia Medicare supplement plans are required to cover approved Medicare Part A and Part B approved expenses.

Medigap plan F covers 100% of approved Part A and B expenses. The 10 other plans available in Georgia pay something less than 100% but still deliver great value.

Over 90% of our clients have something OTHER THAN plan F and enjoy the savings.

 

Which companies offer Medicare supplement insurance?

There are more than 30 carriers that write Medicare supplement insurance in Georgia. Most seniors focus on the names they recognize and ignore the rest. In most cases they are paying more than they should without getting additional value.

We have been buying gasoline from Costco for several years now. Every time we fill up we save anywhere from $0.05 to $0.10 per gallon and sometimes even more than that. For every 15 gallons we average saving more than $1 per tank.

That may not sound like much but it adds up. Every dollar saved on a tank of gas is a dollar we can use somewhere else.

If you are like Bill and Alice and we could show you how to save $80 – $100 per month on the cost of Medigap coverage, would you be interested?

With over 170 different Medigap plans I know we can help you find a plan that fits your needs and budget. If we help you save over $500 a year then a few minutes on the phone with us was worth your time, right?

medicareplansgeorgia

Who Has the Best Medicare Supplement Rates in 30252?

Seniors living in McDonough, GA want to know “Who has the best Medicare supplement rates in zip code 30252?”. The best Medigap rates are for those in good health. Save_Money_Button
Most of the time we save our clients over $400 per year by offering them the same plan but at lower rates.

 

Best Medicare supplement rates in your area

It doesn’t matter if you live in zip code 30252 or not. Georgia Medicare Plans has access to over 170 different plans and rates. We can almost always find you the same plan you have now but at a much lower rate.

In many cases we will suggest you trade up to a better plan where you can save even more money.

 

Medigap Plan F may not be your best choice

Most seniors we talk to have Medicare supplement plan F. They bought it because all their friends have it, or because that was the only plan the agent showed them.

Plan F is a great plan if you have money to burn.

Most of the people I know are living on a fixed income and have better things to do with their money than spend it all on Medicare insurance coverage.

If you want the best Medicare supplement rates in your zip code, and the best plan that fits your needs and budget, you probably don’t need plan F.

We have over 300 Medicare clients in Georgia but fewer than a dozen of them have Medigap plan F.

 

Save $400 or more every year with the best Medicare supplement rates

If you like plan F and want to keep plan F, we won’t argue with you. This is especially true if you live in zip code 30252.

A female, age 65, living in 30252 would pay $166 per month for a plan F from United Healthcare through AARP.

That same lady would pay Blue Cross $183 per month.

If she just wants to save money and keep her plan F she can have the EXACT SAME COVERAGE at rates starting at $129 per month for the best Medicare supplement rates in McDonough.

That’s a savings of $444 per year vs. AARP and $648 per year less than BCBSGA.

What would you do with that kind of savings?

Save even more with a Medigap copay plan. If you are willing to pay no more than $20 for doctor visits you can drop your monthly Medigap premium to $91 per month.

 

Start saving now!

Shop and compare up to 170 different Georgia Medicare plans. We help you find the best Medicare supplement rates in your area. Click the green button above and save!

 

Thinking About Dropping My Medicare Advantage Plan

I got a call last week from a lady who asked “I am thinking about dropping my Medicare Advantage plan. How do I do it?”. Ruth was in good health, but her husband was not. His Medicare Advantage plan drop my medicare advantagewas eating through their savings. To make matters worse, they were moving and there were very few participating doctors in the new town.

Medicare Advantage and Edsel have a lot in common.

 

Dropping my Medicare Advantage plan

Georgia seniors wanting to drop their Medicare Advantage plan is not uncommon. They get sucked into the low monthly premiums and it never occurs to them just how expensive Advantage plans are once their health changes.

Some automobiles enjoy a similar reputation.

Remember the Edsel?

Edsel was the car of the future. Ford introduced the Edsel in 1958 in hopes of capturing market share away from GM and Chrysler.

The Edsel never sold as well as anticipated (mostly because of mechanical problems) and was a money loser for Ford and the consumer as well. Other car companies had their failures, but the name Edsel became synonymous for failure.

That is not to say your Medicare Advantage is like an Edsel, but you have to ask why so many people are wanting to drop their Medicare Advantage plan and buy a Medigap plan?

 

Ruth and Jim’s Medicare Advantage Saga

Ruth and Jim live just north of Atlanta in Cumming. Both turned 65 last year and enrolled in Medicare. Money was tight. Jim’s health was OK but Ruth was in much better shape in spite of being a long time tobacco user.

Shortly after going on Medicare Jim  had a stroke. His Humana Choice Medicare Advantage that seemed like such a good deal was costing them a lot of money each month for out of pocket expenses.

As a result of his change in health they decided to move north about 30 miles to be closer to family and friends that could help with Jim’s care. It was about this time that Ruth started thinking about dropping Jim’s Medicare Advantage plan and getting back on original Medicare and a supplement plan.

medicare advantage junkThe REAL cost of his Medicare Advantage plan was a repeat of the Edsel.

Medicare Advantage looks great but is expensive to own.

The 30 mile move meant going from having several doctors in network to almost none. Traveling back to Cumming twice a week was impractical.

The problem for Jim was this. He was beyond his initial enrollment period and would have to go through medical underwriting if he wanted a Medigap plan.

Ruth had a Medigap plan through Colonial Penn and was paying about $60 more than she should. She was still within her initial enrollment period. Because of that there were a few carriers that would not charge her a smoker rate which would save her another $23 per month.

Jim could not pass medical underwriting, but he did have Medicare guaranteed issue rights since he was moving out of the Humana Choice service area.

But Jim faced another dilemma.

 

Medigap Guaranteed Issue Rights – Not as easy as it seems

Most carriers don’t want Medicare guaranteed issue business and they discourage agents from bringing in that kind of clients. In addition to having few carrier choices, there are only a handful of plans that are approved by Medicare for guaranteed issue. Most are the most expensive plans in Georgia.

When Ruth first called and explained the situation I listened closely and took very good notes. Most of her questions were easy but some hinged on getting very specific plan information from her regarding Jim’s Medicare Advantage policy.

Almost two weeks went by before Ruth was able to make the time to get plan details and call me back. I took more notes and called her back in 10 minutes with the good news.

Humana did in fact offer the Choice Medicare Advantage in their new area but it was a different plan with a much smaller network. The plan change meant Jim WOULD qualify for guaranteed issue.

The carrier with the best rate would take Jim but would not pay me anything for my time. I relayed that to Ruth and told her I was willing to work for free on Jim’s policy but I could only do that if she would allow me to move her coverage as well, saving her $83 per month for the EXACT SAME COVERAGE as she has now.

The applications would have to be submitted within the next two days or else the rates would change significantly.

Ruth wanted to think about it and promised to call the next day.

 

Ruth took a wrong turn that will cost them dearly in the long run

Instead of a phone call she sent me an email. In it she said they would be dropping Jim’s Medicare Advantage plan and picking up a Medigap plan F through a carrier that offered similar rates to the ones I quoted. She was also moving her coverage to the same carrier, also at a rate similar to my rate.

She thanked me for my time, and said the one thing that gave her courage to act was when I told her that all Medicare supplement plans with the same letter offered the exact same coverage but charged different premiums.

Yes, I did say that, and yes, it is true.

But that is only part of the story.

What she forgot was my word of caution about buying strictly on price.

She purchased plans through a relatively new carrier in the Medicare supplement market. Even though the company is more than 100 years old, they entered the Medigap market a year ago.

Ruth doesn’t know that.

I never recommend a plan from a carrier that has less than 3 years experience in the Medigap market. The Medicare supplement market is littered with carriers that entered with a ridiculously low rate (and sometimes liberal underwriting) only to withdraw from the market a few years later.

Seniors that bought the low entry rate soon found out with each renewal that the deal they got wasn’t so great after all.

Each renewal was 15 – 20% higher than the year before. Every year the premiums became less affordable.

Policyholders that were healthy enough to qualify for coverage with a different carrier moved on.

Those who were not healthy either dug deeper in their pockets and paid the premium or dropped coverage altogether and just had original Medicare.

 

Medicare Advantage and the Edsel

Medicare Advantage plans look sleek and sexy, just like the Edsel, but when it comes to a long term relationship they are very costly.

When you think “Should I be dropping my Medicare Advantage plan and buying a Medigap plan” you are probably too late to do anything. When you shop and compare Georgia Medigap plans you could make the wrong choice by either paying too much, or not paying enough.

With more than 170 Medicare supplement plans in Georgia, how do you know which one is right for you.

You don’t.

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How Do I Find the Best Medicare Supplement Plan in Georgia?

Looking for the best Medicare supplement plan in Georgia? Where to start? How much will it cost? How can I save money but still have the best Medigap plan?

 

The best Medicare supplement plan in Georgia

The best plan is the one that meets your needs and budget. best medicare supplement plan

All Medigap plans assigned the same letter are identical in every way. Medicare says it. Look it up.

Every way except the premium you pay.

Over half the seniors that have a Medigap plan choose plan F.

Almost 3 out of 4 Georgia seniors buy their coverage from Blue Cross, AARP (United Healthcare) or the “Mutual” company.

Did they get the best Medicare supplement plan in Georgia?

No, they simply followed the crowd.

My mother used to say “If Greg jumped off a cliff would you want to also?”.

Just because your friends bought plan F from a “big name” carrier doesn’t mean it is the right choice for you.

 

Four things  you need to know about Medigap plans

Medicare supplement plan F is the most expensive plan available in Georgia.

Plans offered by the top 3 Medigap carriers in Georgia are some of the most expensive plans.

The more you pay for your plan the more money the carrier and the agent make off your monthly premium.

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

 

So where do you start your search for the best Medicare supplement plan in Georgia?

You start where you are right now.

FB Groucho Marx3Bob Vineyard and Georgia Medicare Plans have access to over 170 different Medicare plans and rates. That’s a bit overwhelming.

But you don’t have to call insurance carriers or invite agents into your home. We shop the market for you and show you the best Medigap plans available based on your needs and budget.

And you can do this on your time frame, in the comfort of your home.

I don’t have to come to your home. You won’t have to come see me.

How easy is that?

I have been doing this a long time. This is not a hobby or sideline for me. This is the way I earn my living.

Two things happen when I treat you right.

You save money every month (unless you decide to follow the sheep).

We both sleep better at night.

You get to count your money saved rather than counting sheep.

 

How do you shop for the best plan?

It depends.

Do you want rates fast or faster?

If you want fast rates, complete and submit this request form. I will respond in 24 hours or less. [contact_form]

If you want faster rates, click the image below.

Easy peasy.

georgia medigap rates