AARP Medigap plans in Georgia are underwritten and administered by United Health Care. All plans with the same letter (plan F for example) are identical in every way from carrier to carrier. If you were to compare Medicare supplement plan F from United it would be identical in every way to plan F from Blue Cross, Humana, Mutual of Omaha or any other carrier.
The only difference in Medigap plans is the price. Why pay more when you don’t have to?
AARP Medigap plans are not the most expensive, but they are not the cheapest either. Most Georgia seniors have AARP Medigap plan F which is the most oversold plan by all carriers.
Georgia Medicare Plans see’s almost no value in Medigap plan F and we never recommend plan F. Once you understand the difference in Medigap plan F vs. other, lower premium plans, you will realize there are better choices.
What is Medicare supplement plan F?
Plan F is everything including the kitchen sink.
Your Medigap plan F covers 100% of approved Medicare Part A and Part B expenses. The same is true for plan F issued by other carriers.
How much does your AARP Medigap plan F cost?
A female, age 65, non-tobacco user in Macon, Georgia would pay $166 per month for the AARP plan F. The same plan from Blue Cross is $176 monthly and $136 from Mutual of Omaha.
All of these plans are identical in every way except for the amount you pay. Your AARP Medigap plan F doesn’t provide you anything you can’t get from Mutual of Omaha for $360 less over the course of a year.
For that kind of premium differential you would expect the AARP plan to pay more than 100% of approved Medicare charges.
But it doesn’t.
Or maybe the AARP Medicare supplement plan is more widely accepted by doctors than Medigap plans from other carriers with lower premiums.
Any doctor, lab or hospital that accepts Medicare patients will also accept your Medigap plan from any carrier . . . including the ones that charge more.
So does your AARP Medigap plan pay claims faster or with fewer headaches?
Most routine Medicare approved claims are paid by your Medicare supplement carrier within a week of receipt of the claim from Medicare.
When you pay more you don’t get more you simply paid too much.
You don’t need the kitchen sink, and even if you want it, you have better things to do with your money. What would having an extra $30 per month in your bank, or more, mean to you?
In 2014 the average check from Social Security is $1294 per month. An extra $30 per month in your hands can make a difference for most people.
How much can you save?
If you still want plan F, there is no reason to pay $166 when you could pay $127 per month for the same coverage. Yes, there are carriers with better rates than Mutual of Omaha. Their plans offer exactly the same benefit as AARP and Mutual of Omaha, but with a lower rate.
We have access to rates on more than 170 Georgia Medigap plans and can always find the best value for our clients. If you want to save even more money you should allow us to show you the value of our most popular plan.
Our Macon lady would pay $102 per month as opposed to $166 for the AARP plan saving over $528 per year.
And AARP does not offer this plan.
We shop the market so you don’t have to. While others talk, we listen. You know what you need better than we do. But we also know you shouldn’t pay any more than you have to for quality coverage.
You can’t rely on Social Security cost of living increases to help with your monthly budget. Our clients average savings is over $450 per year just on Medigap coverage alone. And we haven’t even started to show you how to save money on your prescription drugs.
Don’t pay too much for an AARP Medigap plan. Shop and compare!
You can also use our contact form to request a personalized quote. Your information is never sold. Using this form allows us to tailor the quote to your specific needs. [contact_form]