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Do you want to know the secret of how to find the right Medicare plan when you turn 65? Medicare supplement plan F or a $0 premium Medicare Advantage plan? What’s the big deal if you can change plans every year? How can the insurance company offer a free Medicare plan? What’s the catch? Is there something the insurance agent isn’t telling me? Why not cut out the middle man (the agent) and just buy direct?
If you are turning 65 and aging in to Medicare you have more questions than answers. And there are probably questions you never thought to ask ………. until it is too late.
If you already decided on a Medigap plan you might want to check the rate. There are more than 170 Medicare supplement different plans in Georgia but most don’t illustrate their premiums online.
Shop and compare GA Medigap quotes.
Find the RIGHT Medicare Plan
Georgia has more than 170 different Medicare supplement insurance plans, more than 45 drug plans and about 25 different Medicare Advantage plans. How can you possibly find what you need to know and make the right decision the first time?
Compared to Medicare Part D, and Advantage plans, picking a Medigap plan is a piece of cake. That doesn’t mean it is easy, just easier.
If you have the right information.
The information a consumer really needs is not available to the public.
You won’t find it on Medicare.gov.
You won’t find it on the Georgia Dept of Insurance site.
You won’t find it on public forums.
You won’t find it on sites with “instant Medigap quotes” ……………. including mine.
Where will you find the information you need to make an informed decision and choose the right Medicare plan for your needs and budget.
Pick up the phone and call. I will answer all your questions and give you rates by phone and email a comparison.
Call 404 907 0925.
You can also start the discussion by email or securing a Medigap quote through my site.
Susan is turning 65 and wants a Medicare supplement plan
A short time ago, Susan visited my site.
The first time she entered her information for a quote she was a non-smoker. The second time she was a smoker.
Both times she listed a valid email address.
Both times she gave a bogus phone number.
I know because I called and the number was disconnected.
No problem. I know some people don’t like to talk on the phone.
Since I didn’t have a valid phone number I sent an email asking if she used tobacco or not. Rates are higher for tobacco users with most carriers, so I wanted to give her accurate rates.
I also have access to over 170 different plans and rates. Most of them are not shown online anywhere.
They are not on Medicare.gov
They are not illustrated on carrier sites.
They do not appear on agent sites, including mine.
This isn’t a plot. Some carriers don’t want their rates made public.
Susan responded to my email. Here is what she had to say.
The first entry was a mistake. I didn’t realize that non-tobacco was checked. I am still a tobacco (cigarette) user but I have cut my smoking down to about 5 cigarettes or less a day, using e-cigarettes. (Comment: for rating purposes she will be considered a smoker with MOST carriers)
I don’t really have any questions. I won’t be 65 until November so I have plenty of time to search online for the best rates. (Comment: Yes, she does have time. Will she find the best rates online? No).
I’ll probably go with Plan G if the difference in a year’s premiums between it and Plan F is more than $147, and I’m sure it will be. (Comment: Plan N might be an even better choice)
The last thing I want is a long, drawn out conversation on the phone with someone attempting to explain things I always know. (Comment: That’s the last thing I want too).
I’m just simply looking for the best rates for Plan G or Plan F. I’m familiar with Medicare and how it works. My husband is already on Medicare. I much prefer to search online and actually read article than have someone attempt to explain anything to me. I will let you know if I do have further questions.
My response was simply to provide the best rates based on her data and wish her well.
I don’t know if she believes she can game the system and get a non-tobacco rate or not. That is not my concern since I closed her file.
I did quote non-tobacco rates, using a carrier that does not assess tobacco loads if you buy when you first turn 65 and go on Part B. The rates are accurate and lower than anything Susan can find online.
Based on her age, tobacco use and zip code she will probably pay at least $150 more per year than she needs to and that is just the first year. The carrier with the next best tobacco rate has a history of dealing higher than normal rate increases.
Medicare.gov is a great place to go if you want information on ALL the Advantage plans in your area, and ALL the Part D drug plans. In fact, I tell prospective clients to buy Advantage plans or drug plans by calling 1-800-MEDICARE.
But if they want accurate information on all the available Medigap plans in Georgia, they should talk to me. I have more information on Medicare supplement insurance carriers than Medicare does. And if you ever have a question AFTER you buy, give me a call.
You will get me or my voice mail.
You will never hear “Press 1 for English”.
A few weeks later I got another email from Susan, our online shopper that didn’t want to talk to anyone. She told me the best rates she could find for plan G were $115 from Aetna and $118 through Omaha. She wanted to know if these rates were good.
She completely ignored my email from a week earlier giving her a rate of $106 for plan G.
My response, “The rates are good. Pick the one you want”.
Medicare supplement or Medicare Advantage?
Which is the right Medicare plan for you?
That is something you need to decide once you have the facts and understand your options. My job is to educate you so that you have enough information to make the right choice based on your needs and budget.
I won’t tell you what to buy.
You will never be pressured into buying anything at any time.
There is no charge for my advice. The carriers pay me when I assist you in finding the right plan based on your needs and budget.
Give me 5 minutes on the phone and decide if I can be helpful or not. That’s all I ask of anyone.
If you like what you hear, great. If not, no problem. Move on and I will close your file.
The rates and plans I show you are identical in every way to those you can get direct from carriers.
The difference is, you get the benefit of my 40 years in the health insurance business at no additional charge.
Call the carrier or 1-800-INSURANCE and you never know who will answer the phone or how much they know about Medicare.
Before you go any further, I suggest the following links.
The Secret Life of Medicare Advantage Plans
Don’t Buy a Medicare Drug Plan
Those two posts should answer many of your questions and put you on the track to finding the RIGHT Medicare plan.
You might also want to shop and compare GA Medigap quotes. Click the image below for an instant quote. No gimmicks.
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