Hospital Admission – In or Out?

Original Medicare offers excellent hospital admission coverage under Medicare Part A. But how is your hospital bill treated under Part B? Are you in or out?

  • Full Part A coverage for up to 60 days following a deductible of $1364 (2019)  per hospital admission
  • Full Part A coverage for up to 100 days in a Skilled Nursing Facility (SNF)
  • Full Part A coverage for up to 100 days for home health care

Each of the above are true but only if they follow hospital admission as an INPATIENT (Medicare Part A) for at least 3 consecutive days prior to your SNF stay or home health admission

But what if you were never admitted as an inpatient and your observation stay was covered by Medicare Part B?

What is my liability for out of pocket costs if my hospital admission was a Part B stay?

Hospital Admission – In or Out?

Consider the case of Caroline Giada.

On the morning of Sept. 23, 2014, Caroline Giada woke up in her home in coastal New Jersey. She rose from bed, walked over to the bathroom and fainted, hitting her back on the sink cabinet on the way down. When she came to, she couldn’t move. So she called 911.

The 76-year-old was taken to the emergency room, where the attending nurses looked her over and booked her into a bed. Over the next six days, she was given every kind of test imaginable: X-rays, electrocardiogram, CT scan, ultrasound, MRI. Nurses came and went. So did doctors. Finally, a week later, the problem was uncovered: a fracture in the L5 segment of Giada’s lower spine. They called in a specialist, but he said he couldn’t operate until the following Thursday.

After her surgery and rehab, when she was ready to go home, Giada was hit with another surprise: a bill. Medicare had covered the surgery and the rehab, but not the nursing facility stay, and the facility told her she owed $2,360. “I couldn’t understand it,” says Giada. “They said, ‘Well, Medicare isn’t paying, because the hospital put you under observation instead of as an inpatient.’” – America Aljazeera

Had Caroline been admitted as a hospital inpatient, her nursing facility stay would have been covered in full. Instead she was faced with a significant outpatient bill.

If You Have Medicare, Ask!

Are you considered an inpatient or outpatient?

If you don’t know, ASK!

Medicare does cover outpatient services subject to an annual deductible ($185 in 2019) and coinsurance (you pay 20%, Medicare pays 80%). Unlike traditional insurance that caps your out of pocket, you responsibility for Part B expenses have no cap.

You continue paying 20% until you are well, you run out of money, or you die.

Look what Medicare covers.

Medicare supplement plan F will pay your Part A deductible ($1364 in 2016), your Part B deductible ($185 in 2016) as well as your 20% share. With original Medicare and Medigap plan F your out of pocket for approved Medicare Part B charges is $0.


Hospital Notification Changes

The  Notice of Observation Treatment and Implication for Care Eligibility Act was signed into law in August, 2015 and will go into effect in August, 2016.

Medicare beneficiaries in the hospital for more than 24 hours must be informed in writing of their hospital admission status within 36 hours of when they begin receiving medical services as an outpatient. The written notice must clearly explain:

  • that the individual is not an inpatient;
  • the reasons for the person’s observation status; and
  • the implications in terms of increased financial responsibility and lack of eligibility for coverage in a SNF after discharge.

The patient or their representative must sign the notice to acknowledge their understanding.

When was the last time you reviewed your Medicare supplement plan? Get a free instant Georgia Medigap quote. No obligation.

We will also send you a Medigap Transparency Report showing rates for all Medicare supplement carriers in your area. Most quote engines, including ours, only show a few plans. But there are more than 40 carriers offering Medigap plans in Georgia. See which ones have the best rates!


#GAMedigapRates  #HospitalAdmission #MedicarePartB

Medicare Open Enrollment 2015

The Medicare open enrollment 2015 edition opens October 15 and closes December 7. If you are turning 65 you will be making best medicare supplement plan Fdecisions along with 48 million retirees looking to change their plans. Significant Medicare changes are expected in 2016 so plan accordingly. Medicare premiums and deductibles will rise next year and so will Medicare supplement premiums, especially for Medigap plan F. Medicare Part D drug plan costs will move higher as the donut hole gradually closes before 2020 when it disappears completely.

Also, Medigap plan F will be retired in 2020. The result will be even higher prices for plan F than you see now. Don’t be roped into buying a plan that will soon be cost prohibitive.

Instant online GA Medigap quotes. Shop and compare up to 30 plans side by side.


Expect fewer Medicare Advantage plans, especially in rural Georgia. More PPO plans will go away and be replaced by HMO’s. Advantage premiums probably won’t change much but look for higher copay’s, higher deductibles and more plans will move to $6700 out of pocket maximum.

Keep in mind the MOOP (maximum out of pocket) only applies to IN NETWORK APPROVED claims (excluding drug costs).

Post summary:

  • What you need for open enrollment
  • Turning 65, new to Medicare, open enrollment not for you other than Part D
  • Losing employer retiree plan? Check out your options
  • Shopping online? We can guide you through the maze
  • Upcoming surgery? Medicare Advantage probably the wrong choice


Medicare Open Enrollment

All Medicare drug plans and Advantage plans run on a calendar year basis. Your current plan may or may not renew but whether it renews or not you need to be prepared for the Medicare open enrollment in 2015.

Here are a few pointers if you are new to Medicare or have been to this rodeo before.

  • Update your list of medications and dosages
  • Make a list of your doctors including name and address
  • Evaluate your health. Is it better or worse than last year?
  • Update your health care budget
  • Consider what you pay every month in premiums AND your out of pocket health care costs
  • Any planned surgeries or tests? You may save money having them done this year ….. or next.

More on planned surgeries coming up below in this post.


If You Are Turning 65

Turning 65? If you are not receiving Social Security, you need to sign up for Medicare A and possibly B. The easiest way is to go online using this link to Social Security.

happy birthday 65I did this in June. It took about 10 minutes. Three days later I received my Medicare letter and about 10 days after that my Medicare cards.

If you will be covered by an employer group plan you may not need Part B. However, you may need Medicare Part D if your current plan is not considered creditable.

If you have Medicare Part A, have been covered under an employer group plan and you want to enroll in Medicare Part B only you will need to complete forms CMS40B and CMSR297 then mail to Social Security or take it to their office for processing.

If you do not sign up for Part A when you turn 65 you may encounter delays and penalties in the future.


Losing Retiree Health Insurance

Many large companies including IBM, GE, UGA are terminating existing retiree health insurance and employees are being told to talk with consultants like Towers Watson and One Exchange.

If you are part of a group losing your retiree health plan there are things you need to know.

  • You may be required to purchase at least SOME coverage through the “exchange” to receive HRA monies
  • Most exchanges only show you a small sampling of plans in your area
  • The advisers are encouraged to push plans that pay a higher commission, even if that choice is to your detriment
  • Most of the Medigap plans on the private exchange are over-priced
  • Many times you can preserve your HRA bonus by purchasing Part D only through the exchange

There is no charge to consult with Georgia-Medicare Plans. You can run quotes on our website through this link and we will also email information on the lowest priced Medigap plans in your area.

Medicare open enrollment is your chance to shop and compare.


Shopping for Medicare Supplement Plans

Instant online rates are available for about 30 different GA Medigap plans through our quote engine. You may find that helpful but the real savings may lie among the more than 170 different Medicare supplement plans in Georgia.confused senior medicare

Online quote engines are limited to half a dozen carriers. We have Medigap rates for over 30 different carriers.

Some carriers offer lower non-tobacco rates to tobacco users when you meet the criteria. A few carriers have household discounts of up to 7% but many times the savings are mostly smoke and mirrors.

It doesn’t matter if you are new to Medicare or feel you have been given bad advice in the past, we are ready to listen to your concerns. There is never any obligation to buy from us (although we do hope we are given a chance to earn your trust) nor is there a charge for our time.

We have the same plans and rates you can get direct from the carriers. The difference is you don’t have to press 1 for English and you benefit from our 40 years in the industry.

Use this Medicare open enrollment time wisely. Others talk, we listen


Planned Surgery and Medicare

If you anticipate having major surgery within the next 12 months or so, you need to make the right choice when turning 65.

It doesn’t matter if you are having a joint replaced or eye surgery. Enrolling in a $0 premium plan is probably not your best option. Most newly minted Medicare beneficiaries will be much better off with a $0 copay, $0 deductible plan than a $0 premium plan.

With a $0 premium plan the insurance carrier picks your doctor and hospital for you.

With a $0 premium plan you are responsible for the lions share of the cost of your care.

Once you pick a $0 premium plan you may never again have the option of buying a Medicare supplement plan. The annual Medicare open enrollment period only applies to drug plans and Advantage plans. Following your initial enrollment period you may only enroll in a Medigap plan by going through underwriting. This initial enrollment time may be your only chance to pick a Medicare supplement plan.

Choose wisely.

Medicare shop and compare



#MedicareOpenEnrollment #Turning65  #MedicareSupplementPlanF

Medicare Part B Premiums Rise In 2016


Your 2016 Medicare Part B premiums are going up. A lot. So are deductibles. Oh, and Medigap plan F will be retired in 2020. The same year the Part D donut hole closes and you pay more in premiums, copay’s and out of pocket.Medicare Part B premium 2016

What does this mean to you? How will this impact you? What will happen to Medicare supplement plans? If you bought plan F plan your exit strategy.

Shop and compare Medigap rates.

Instant online quote.

Your information is never sold.

Medicare shop and compare

Post summary

  • Part B deductible to rise in 2016
  • Part B premiums rise for 2016
  • Changes to deductibles and premiums not finalized yet
  • No Social Security COLA for 2016
  • Medicare supplement plan F to be retired
  • Instant online Medigap quotes

Medicare Part B Changes in 2016

Hold on to your wallet. Next year is going to be costly for many Georgia retirees on Medicare.

Medicare Part B premiums will rise 52% in 2016 from $104.90 to $159.30. If you are receiving Social Security your check will be lower.

soup naziThink the increase will be offset by your COLA increase?


COLA increases are not in the cards for next year.

No COLA for you.


Medicare Trustee Report

For those who want to go straight to the source, here is a link to the Trustee Report.

The summary from Kaiser Health News distills it down to something mere mortals can understand. Kind of.

The report warned that several million Medicare beneficiaries could see their Medicare Part B monthly premiums skyrocket by 52 percent in January — from $104.90 to $159.30. Medicare Part B, which is paid for by a combination of federal funds and beneficiary premiums, generally covers physician and outpatient costs.

The huge rate hike is predicted because of a confluence of two factors: Medicare Part B costs increased more than expected last year, and Social Security is not expected to have a cost of living increase next year. By law, the cost of higher Medicare Part B premiums can’t be passed on to most Medicare beneficiaries when they don’t get a Social Security raise. As a result, the higher Medicare costs have to be covered by just 30 percent of Medicare beneficiaries. This includes the 2.8 million Medicare enrollees new to the program next year, 3.1 million Medicare beneficiaries with incomes higher than $85,000 a year and 1.6 million Medicare beneficiaries who pay their premium directly instead of having it deducted from Social Security. – Kaiser Health News

But wait, there’s more.


Medicare Part B Deductibles Increase in 2016

If you manage to escape the Part B premium increase you will still participate in the Part B deductible increase in 2016. One way or another, you will pay more.higher health care costs

The expected Part B deductible should be $223 in 2016

That is up from $147 in 2015.

If you have straight Medicare, you will pay more in out of pocket.

If you have a Medicare supplement plan F that pays your Part B deductible for you, expect to pay more. Plan F premiums will increase by $100 per year at a minimum.

Probably more in the order of $130 – $150+.

If you have a Medicare Advantage plan you will pay more. Higher premiums, higher copay’s, higher deductibles in any combination.

The only way to avoid paying more is to stay healthy and not incur any outpatient (Medicare Part B) charges.

Lock in lower premiums for plan G now. Shop and compare rates. We have access to over 170 different Medicare supplement plans in Georgia. One is right for you.

Georgia Medigap plans & Prices

Georgia Medigap plans & Prices


What Happens in 2020?

The good news is, the Medicare Part D drug plan donut hole will go away. About 93% of Medicare beneficiaries never hit the donut hole but in 2020 no one will find themselves there.

medicare shockThe bad news is, between now and 2020 your Part D premiums will rise as will your copay’s and deductibles. In other words, funding the closure of the donut hole means EVERYONE pays more, including those that would have otherwise hit the donut hole at one point during the year.

There is no free lunch.

The donut hole was included in the plan design to keep costs affordable. Eliminating the donut hole, billed as a benefit of Obamacare, makes your Part D premiums and out of pocket less affordable.

Also, the folks in Congress believe retirees go to the doctor too much and are encouraging them to stop going so much by retiring plan F.

In the interim plan F premiums will skyrocket.

There are two types of people that buy plan F.

Those that just want to budget for premiums and not have to pay Medicare Part B deductibles and coinsurance. For them, it is easier to pre-pay those expenses  by paying a higher premium for plan F.

Then there are retirees that have never been told about anything other than plan F. The salesman or the carrier pushed plan F on them without showing them how they could save $300 per year or more with plan G.  Why did they push plan F?

Because the higher premium means the agent and the carrier make more money.

But you won’t have to worry about that much longer. In 2020 Medigap plan F will be retired.

As a result of legislation just passed by Congress, starting in 2020 Medigap plans will no longer be allowed to offer coverage of the Medicare Part B deductible, which is currently $147 (in 2015). However, current Medigap policyholders and those buying policies before 2020 will still be eligible for the deductible coverage after that date. – Elder Law Answers

If you have plan F now, you can keep it.

But understand that plan F premiums that are already overpriced will become even more so when the plan is no longer an option for new entrants.

Lock in lower premiums for plan G now. Shop and compare rates. We have access to over 170 different Medicare supplement plans in Georgia. One is right for you.

Georgia Medigap plans & Prices

Georgia Medigap plans & Prices

You can read more about changes in Medicare at California Health Advocates along with links to the law.


Why are Medigap Premiums Increasing?

Medicare supplement plan F has never been a good buy. Look how much premium difference there is today for an age 65 female living in Clayton, Georgia.

AARP (United Healthcare) plan F premium is $166.

Best rate for plan G with a carrier that has been in the Medicare market for 18 years, $97.

What are you getting for that extra $828 per year?

A bigger hole in your bank account. Next year when the Medicare Part B deductible increases that gap could be $1,000 or more.

Do you really think it is wise to pay a Medicare supplement carrier $1000 to cover your (2016) Part B deductible of $223?

Every time Congress raises your Medicare deductible, plans (like F) that pay the deductible for you will increase premiums accordingly.

Most of my clients have been purchasing plan G for years.

My job is not to convince you of anything. Life doesn’t work that way.

What I will do is educate you on your options and show you Medigap carriers with a proven track record of 5+ years in the Medicare market.

That 5 year threshold eliminates

  • Omaha Insurance Company (less than 2 years in the Medigap market) and does not have an A M Best rating
  • Aetna Health and Life (less than 3 years in the Medigap market)
  • Manhattan Life (less than a year in the market)
  • Catholic Greek Union, CSI Life, Companion Life, CIGNA

And if you want plan G don’t go looking for it with

  • AARP (United Healthcare)
  • Blue Cross (BCBSGA)
  • Humana

They don’t offer plan G.

You have questions. We have answers. We also have the best rates, guaranteed.




Additional links:

Your Medicare Premiums Could Soar Next Year

COLA Wars in Medicare Part B Premiums

Medicare Trustees Report Projects Large Increase to Part B Deductibles



#MedicarePartBPremium #MedicarePartBDeductible #MedicareSupplementPlanF #DonutHole


83-year-old LA man on Social Security is charged $24,000 by AT&T for using dial-up internet with faulty modem 

Ron Dorff, of Woodland Hills, Los Angeles, first contacted the telecommunications giant after seeing his monthly phone bill rocket from $51 to $8,596.57.

Source: 83-year-old LA man on Social Security is charged $24,000 by AT&T for using dial-up internet with faulty modem 


Dorff, who lives off his $1,530 Social Security checks, explained that he used his phone line for his low-speed AOL dial-up telephone oldsubscription – and insists he could never have used the internet enough to warrant receiving such a huge bill.

It says the company explained that Dorff’s modem, for some reason, had been dialing a long-distance number when it was accessing AOL for long spells, prompting huge charges.

The spokeswoman said this issue had been resolved. But when asked to explain why the sky-high fees had not been spotted and resolved earlier, she is reported as saying: ‘This is a rare occurrence, and we address it on an individual basis.’

Read more:
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Social Security beneficiary can’t pay his bills

Living off Social Security is hard, but try paying $24,000 for internet PLUS finding affordable Medigap coverage.

We can help.

Did you know Medicare supplement plan F will soon be banned?

We helped J. B. of Dallas, Georgia, turning age 65 female, find Medigap plan F for $115 per month.

How much can you save?

Shop and compare now. Your information is never sold.

Georgia Medigap plans & Prices

Georgia Medigap plans & Prices


#SocialSecurity #MedicareSupplementPlanF  #GAMedigapQuotes #TurningAge65

Medicare Money Grab – Part Two

This Medicare money grab comes from the White House (WH) by way of the CBO (Congressional Budget Office. The last one we offered up was “bi-partisan” and came from the Houseangry woman shaking fist

The House version would cut Medicare spending by $200 billion over the next 10 years.

The WH version cuts Medicare by $423 billion.

Both versions will generate the majority of the savings by increasing revenues, cutting provider payments, and shifting more of the burden to Medicare beneficiaries.

What part of “We the people” do they fail to understand?

I have paid into Medicare since 1966 when I got my first “real job”. Social Security has wage information from me for almost 50 years. When I go in Medicare in September of this year I think it is time to get back some of my money.

You probably share the same feelings.

The folks in DC (both parties) think otherwise.

We may not be able to stop this money grab by Washington but you can save money by shopping and comparing your existing Medigap plan.

Georgia Medigap plans & Prices

Georgia Medigap plans & Prices


Medicare money grab, part 2

The White House wants to save Medicare by cutting the amount THEY pay while increasing OUR costs. Medicare savings will free up more money for DC to spend on providing free and reduced cost health insurance (Obamacare) to people under age 65.

That doesn’t seem right.

The Kaiser Foundation has published a summary of the WH budget for fiscal year 2016. You can read the entire report here if you want. Here is a summary of the key points.

  • More than one-third (34%) of the proposed Medicare savings are due to reductions in Medicare payments to providers, most of which affect providers of post-acute care (Figure 1).
  • Nearly one-third (30%) of the proposed savings are related to Medicare prescription drug spending. The largest single-source of Medicare savings (23% of Medicare savings) is a provision that would require drug manufacturers to provide Medicaid rebates on prescriptions for Part D Low Income Subsidy enrollees, a proposal which was also included in the President’s FY2014 and FY2015 proposed budgets.
  • About one-sixth (17%) of the proposed Medicare savings is due to increases in income-related premiums, increases in prescription drug copayments for low-income enrollees to encourage the use of generic drugs, an increase in the Part B deductible for new enrollees, and a new home health copayment for new enrollees.
  • The President’s FY2016 budget would also repeal the Sustainable Growth Rate (SGR) formula and proposes about $54 billion in new Medicare spending, including, for example, provisions to reform physician payments and eliminate the 190-day lifetime limit on inpatient psychiatric care.

Explanation follows in subsets.


Medicare savings

The theory is simple. Pay providers less money.

money grabProblem is, medical providers that treat Medicare patients are reimbursed at a lower rate than any other patients except Medicaid. Some payments to primary care doctors are as low as $21 for an office visit.

One of my clients sent me a copy of her EOB. She couldn’t believe the doctor would see her for so little money.

The doctor billed $100 but Medicare cut it to $21.

Now DC wants to cut the doctors even further.

But wait, there’s more.

Per the KFF summary, 34% ($147 billion) comes by way of paying doctors less for their services.

Do you think this might make it more difficult for us to see a doctor or get any kind of treatment?


Medicare money grab on prescriptions

Medicare spent $449 billion in 2013 and of that total, $271 billion was spent on medication.

That’s just the Medicare portion from people who have Part D coverage.

Only two-thirds of Medicare beneficiaries have prescription drug coverage. The rest may qualify for some assistance but most pay out of pocket. prescription drug costs

The WH budget would “save” $130 billion by making us pay more for our drug plans and more for our medicine.

Low income people would get a break funded by charging the rest of us even more.

Also, some drugs now covered under Medicare Part B would be shifted to Part D at the highest tier. Most Part B drugs are expensive infusion therapy (think cancer) where each treatment can run $5,000 or more.

Currently Medicare pays 80% of those costs and we pay the rest.

If you have Medigap plan F, G or N you pay little or nothing.

That will all change if the president’s version of the Medicare money grab is approved.


Medicare money grab on deductibles and premiums

The WH likes to talk about everyone paying their “fair share”. If this budget proposal is approved here is what will happen.

Part B premiums (the portion we pay) will increase for high income people, boosting their premiums to as much as $336 per month.

Part B deductibles will increase by $25 per year. That is in addition to the usual inflationary increase.

Medigap plans C & F will be assessed a surcharge of 15% based on the national average premium for those plans. If you have plan F expect to pay an extra $27 per month.

This is a tax, not additional premium paid to your carrier.

The tax is indexed which means the extra $27 per month is just a beginning.

If you like your plan you can keep it. Just expect to pay more.


Cut provider payments

The Medicare money grab impacts everyone.

Hebrew Home for the AgedPAC (Post Acute Care) providers would sustain the largest cuts totaling $114 billion. Included in these cuts are SNF’s (Skilled Nursing Facilities), home health care and hospice care givers.

These cuts will make it more difficult to find a nursing home willing to take you if you don’t have long term care insurance or some other way to pay privately for your care.

Another $29 billion in “savings” comes by way of reduced reimbursement for outpatient clinics including walk-in emergency care facilities often referred to as doc-in-a-box.

Those savings mean we pay more when we use the walk-in clinics.

Everyone is touched by these cuts and keep in mind this is IN ADDITION to the $735 billion in Medicare cuts that are used to fund premium subsidies for those under age 65 with Obamacare policies.


Other Medicare proposals

Before anything becomes law each group has to put forth their ideas.

The House have offered their bi-partisan proposal and has been endorsed by John Boehner and Nancy Pelosi. boehner pelosi

That has to give you a warm fuzzy feeling.

But wait, there’s more!

The California Health Advocates have turned up other proposals that are under consideration. This particular one has even more cost shifting to retirees.

One proposal with estimated savings of $52 billion over 10 years is as follows:

  • Combine Parts A and B with a single deductible of $550;
  • Add coinsurance of 20% to all hospital inpatient stays;
  • Create an annual cap of $5,500 on total Medicare cost-sharing.

Eliminate the separated deductibles for Medicare Parts A and B and replace with one across the board deductible that must be met before ANY Medigap or Advantage plan can pay anything.

Replace the current $0 coinsurance for the first 60 days of hospital confinement with a REQUIRED 20% coinsurance.

If this proposal, or something like it, is approved all current Medigap plans become obsolete and will have to be replaced. The government believes if you are forced to pay more for your care you will use the services less.

MedPac estimates 91% of Medicare beneficiaries will pay more, by an average of $1,000 per year, if this proposal is implemented.

Of course they fail to take into account the obvious.

When we seek LESS care we end up using MORE care in the end when our medical condition worsens.

The CHA conclusion?

These are ill-conceived ideas that shift the cost of reforming Medicare’s payment system for doctors to older and disabled American’s who rely on Medicare for their health care. We do not believe this is an appropriate way to solve the payment problem for doctors that Congress has “patched” 17 times in 12 years without finding a permanent fix. Asking Medicare beneficiaries to bear the cost of something Congress created and has not fixed in the last 12 years is cruel and the wrong approach to this problem.

We concur with their assessment.




Here is how the Medicare money grab pie is split up.

Regardless of which plan is adopted, Medicare beneficiaries, that’s you and me, pay more which “saves” Medicare  $112 billion.

Doctors, hospitals and other medical providers are paid less, another $147 billion in “savings”.

Drug companies agree to accept $129 billion less.

All this so DC can have more money, not to pay down the debt, but to fund health insurance for people under age 65.

How is this working for you?

The one saving grace is this.

This is only a budget proposal and it comes from the White House. Every budget proposal since Obama took office has been DOA. He never get’s what he wants.

And if you remember your civics classes, the budget originates in the House.

Of course those folks in the House only want to cut $200 billion but a lot of that comes from you and me.

We still need to fight this before it becomes law. Contact your Senators and Congressional Representatives and tell them you cannot afford to pay more for your Medicare.

If you are a member of a PAC like AARP, AMAC, ASA or 60 Plus, contact them and tell them to stop this movement in its’ tracks.

Do it now.


You can still save money

Even if we can’t stop this attempt to take money from retirees I can show you how to save at least $250 per year, and probably a lot more, by switching Medigap plans.

We have access to the lowest rates for popular plans F, G and N. Even if you bought coverage in the last 2 years many of those carriers are increasing rates.

  • Continental Life of TN is increasing rates on plan F by 9.5%.
  • Manhattan Life is increasing rates on ALL plans for those under the age of 68 by 9%.
  • Equitable is increasing rates on plans A and F by 5%

If you own a Medicare supplement plan with either carrier now would be a good time to consider changing plans.

With over 170 different Medigap plans in Georgia you can most likely save money by changing.

Shop and compare GA Medigap quotes.

Your information is NEVER sold!


#MedicareCuts #MedicareDocFix #GAMedigapQuotes #MedigapPlanF