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.

 

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Georgia Medicare Supplement Rates 2013

In January, 2013 many Georgia Medicare Supplement rates increased, and some as much as 12%. If you have a GA Medigap plan from Aetna, Blue Cross, Family Life, Gerber, Mutual of Omaha, Royal Neighbors (RNA) or Sterling your Medicare supplement rates probably increased.

If your policy is less than 12 months old, expect your rates to increase on your next anniversary.

Be sure to read Bill’s story below about his 2 year search for a low cost Medicare supplement plan.

Let’s face it. Rates go up every year but there is no reason for rates to increase by double digits.

When was the last time you COMPARED your premium to current Georgia Medicare supplement rates? If it has been more than 6 months since you shopped for coverage you owe it to yourself to check current Medigap rates.

 

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GA Medigap Quotes

 

 

Let Us Help You Choose Low Cost Plans and Save – Bill’s Story

 

Two years ago Bill visited my site and got an instant quote. Because he provided me with a valid email address and phone number I was able to contact him by phone. We spoke for a few minutes and then he said he was working with someone who offered the same services.

I kept in contact with Bill by email and last month he called to ask if I could help.

When Bill turned 65 he did what most people do, he bought Medicare supplement plan F, and he bought from Mutual of Omaha. At the time they were competitive, or so he thought . . .

Georgia Medicare supplement rates are all over the boards but one thing is almost certain.

Rates from Blue Cross, AARP (United) and Mutual of Omaha are rarely the low cost plans.

When Bill bought his Mutual of Omaha Medicare supplement plan F the rate was $137. Had he talked with me the day I called I would have quoted the same plan (different carrier) for $121.

Maybe that would have been enough to convince him to buy from me. Maybe not.

But today his rate is $187. That’s a 35% increase!

Had he bought from the carrier I suggested his rate would be $149.

Bill bought a plan that is popular with most of my clients and dropped his premium by $60 per month to $127!

How much would you save?

 

Georgia Medicare Supplement Rates Vary Greatly by Plan and Carrier


Most carriers increased rates by 9 to 12% but one carrier only changed rates by 6% on their most popular plan. Even with a 6% adjustment to rates they still have some of the LOWEST MEDIGAP RATES IN GEORGIA.

Most Georgia Medicare supplement rates follow an issue age formula. All that means is if you bought your plan at age 67 for rating purposes you will always be age 67. If your Georgia Medicare supplement rates were competitive when you bought the policy they may still be competitive now, but you will never know until you check.

Two Medigap carriers write more policies than anyone else in Georgia. If you own a policy from Blue Cross or Mutual of Omaha you have one of the most popular plans in Georgia . . . but you probably also have one of the most expensive plans.

Mutual of Omaha uses issue age rates but even still, most seniors can save money by switching plans.

Blue Cross uses age bands. If you bought a Blue Cross plan at age 68 your rates probably increased in January, 2013 and they will increase again when you turn 69. Two rate increases in one year!

Both Mutual of Omaha and BCBSGA increase rates on everyone in the state at the same time. Most carriers only make adjustments on your plan anniversary or in January.

Georgia Medicare supplement rates are constantly changing. Just because your carrier feels like they need more money does not mean you are obligated to comply. If we can save you $30 – $70 per month without reducing benefits wouldn’t you want to make a change? Georgia Medicare Plans has the lowest Medigap rates in the state. Dare to compare!

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How Do I Find the Lowest Medigap Rates in Georgia and Tennessee?

Who has the lowest Medigap rates? I don’t want to pay too much. I need the best Medicare supplement rates. Who has the lowest Medicare supplement rates in my area? Is it AARP? Blue Cross? Mutual of Omaha? Can I trust lesser known Medicare supplement companies like Sterling Investors, Philadelphia American or New Era?

I have looked at AARP and Blue Cross but their rates seem high. Living on a fixed income makes it difficult to pay too much, and I need the lowest Medigap rates.

How do I find the lowest Medigap rates?

You can search online but very few carriers allow their rates to be published. You can get instant Medigap quotes at Georgia Medicare Plans, but you will have very few choices. We do have rates from Blue Cross, Mutual of Omaha and other Medicare supplement carriers, but only a handful of our clients pick them as their Medigap carrier.

When we show them how much they can save by making application with another carrier like Philadelphia American (Tennessee Medigap rates) or New Era (Georgia Medigap rates) they don’t want to pay the higher prices from other carriers.

Can I trust lesser known Medicare supplement companies like Sterling Investors, Philadelphia American, or New Era?

In your search for the lowest Medigap rates, you need to consider companies like Sterling, Philadelphia American or New Era. Keep in mind you will need to find an agent specializing in Medicare supplement plans if you need a rate. Many agents will only show you rates from Blue Cross or Mutual of Omaha. They will probably never tell you about any plan other than Medicare supplement plan F.

Why is this?

Because those carriers generally have some of  the highest rates (especially for plan F) and pay the highest commission.

In other words, some agents are more concerned about how much they earn from a sale vs. looking out for your best interest.

So can you trust some of these lesser known carriers that usually have the lowest Medigap rates?

Let me answer by saying this. I have been in the health insurance business since 1975 and have focused on the Medicare side since 2008. My professional reputation is at stake every time I talk with seniors and I have no desire to throw away 37 years of building a good name by suggesting a plan or carrier that won’t pay claims or will jack up your premiums on the first renewal.

Finding the lowest Medigap rates in Georgia or Tennessee is easy when you know who to ask and who to trust. When you pay more you don’t get more, you simply paid too much.

New Era Medigap Plan N Rates

New Era Medigap plan N is a good choice for many Georgia Medicare beneficiaries. Compare New Era Medicare supplement plan N to BCBSGA, Humana and other fine carriers.

Georgia Medicare Plans has used New Era Medigap plan N in many situations where clients are looking for the best overall value and don’t mind an occasional copay for doctor visits.

Medicare supplement plan N is a much better alternative to the Medicare Advantage plans that often do not allow you to use YOUR doctor. Did you know that more than HALF the doctors in Georgia do not accept ANY Medicare Advantage plan?

The same is true for many hospitals. Some major hospitals in Atlanta and other parts of the state have not contracted with Medicare Advantage carriers which means if you have a Medicare Advantage plan and have to go to the hospital you could wind up paying thousands of dollars in OUT OF NETWORK charges!

Popular Medigap Advantage plans sold in Georgia do limit your out of pocket expenses but only after you pay as much as $5700 OUT OF POCKET.

Compare that to a New Era Medigap plan N where your only out of pocket is the Medicare Part B deductible ($140 in 2012) plus a copay not to exceed $20 for outpatient services.

A New Era Medigap plan N has rates as low as $71.73 for females and $$77.48 for males. Illustrated rates for age 65 non-tobacco use in Georgia zip codes OTHER THAN 300 – 303 and 313 – 314.

New Era Medigap plan N rates are not illustrated online and most brokers will not offer you their LOWEST RATES unless they fear losing the sale. Other Medicare supplement carriers with higher rates pay DOUBLE the commission of New Era.

Bob Vineyard at Georgia Medicare Plans is proud to lead with the best overall value for our Medigap clients even when it means collecting a smaller service fee for placing the business. Helping YOU save money without sacrificing quality is our pledge to you.

Ask how a New Era Medigap plan N can put more dollars in your pocket every month. Compare New Era rates to other fine carriers by clicking this link.