Medicare open enrollment for 2014 is almost half way over. Georgia Medicare Plans specializes in affordable Medigap plans to fit almost every budget.
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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?
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.
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.
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So why is the dog on this page?
I thought he was cute.