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Who Should Shop Rates on Medicare Supplement Plans?

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Tags: Medicare, Medicare supplement, Medicare Supplement Plan F, Medicare supplement plans

You should always shop and compare Medicare Supplement plans because the rates among different companies for the exact same benefits can vary widely - by 68% in Manhattan according to new research. That compares to Medicare supplement rates that vary by only 14% in Los Angeles for the exact same Plan F product.  The Medicare Supplement Insurance Index shows it is always smart to shop and compare Medicare supplement plans.  Looking at just one company can lead to paying too much for your insurance.

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How Do You Pick a Medicare Supplement Company?

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Tags: Medicare supplement, Medicare supplement plans

There are lots of choices so here are 3 tips for picking a Medicare supplement company.  One of the most important things to consider is the size and experience of the company.  That's because you need to think not just about today's rate but what happens over time and how rates increase.  With just 5 companies holding more than 50% of the market, it's smart to know who they are and what to watch for if you  choose a company with fewer Medicare supplement customers.

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Good Reasons to Consider Medigap Plan G

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Tags: Medicare, Medicare Supplement Plan F, Medicare supplement plans, Medigap Plans

If you are looking to save money on your Medigap plan consider a Plan G.  The only difference between the popular Plan F and Plan G is the Medicare Part B deductible - $166 in 2016.  With a Plan G you will pay that deductible first before the insurance company begins paying benefits on your Medicare supplement plan.  Just do the math to see if you can save.  The next question is whether you are health enough to pass underwriting questions and switch from a Plan F to a Plan G.

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Medicare Costs in Retirement

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Tags: Medicare, Medicare supplement plans, retirement planning

Health care expenses should be a big part of your retirement plan as lifetime costs for a couple retiring this year can total more than $265.00, according to a new study.  And that's just the basics of covering Medicare costs.  Add on dental, vision and out-of-pocket expenses and the estimate climbs to almost $400,000.  That's why it is important to carefully consider the type of Medicare plan you buy and to check that plan every year to make sure it is still the right fit at the right price.

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Medicare Supplement Plan J Rates Too High? Time to Switch

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Tags: Medicare supplement, Medicare supplement plans, Medicare supplement rates

If the rates on your Medicare Supplement Plan J are getting to high, it is time to think about switching plans. Most people switch to Medigap plan F which gives you the same coverage but usually a lower rate and more stable rate increases. Rates on Plan J are going up because it is a discontinued plan - with no new people coming into the plan there are fewer premiums to cover the claims so the rates will go up. That trend will only get worse. So if you have Plan J see if you can qualify to switch plans.

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3 Options When Medicare Supplement Plan F Costs Too Much

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Tags: Medicare, Medicare Supplement Plan F, Medicare supplement plans

If your Medicare Supplement Plan F monthly premium is getting too high, there may be ways to reduce your rates.  You can look at a Medigap Plan F from a different company or you can consider a Plan G, Plan N or a high deductible Plan F. It is important to compare Medicare supplement plan costs and plan benefits and how you use your Medicare plan.  See the chart for how costs differ.  A Medicare Advantage plan is an option if you are willing to pay more as you go and use doctor and facility networks.

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Tips to Compare Medicare Supplement Plans : Start with Coverage

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Tags: Medicare, Medicare supplement plans, Medicare supplement rates

Tip One: Begin your Medicare supplement plan search by understanding how much coverage you want to buy and how much you are willing to pay on your own as you use services. Not all companies offer all plans, so start by finding the right Medicare supplement plan to match your needs. Work with a objective Medicare shopping service that helps you understand how much coverage you want, then compare Medicare supplement rates from all the companies that offer that plan.  

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Plan for Retiree Health Care Costs

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Tags: Medicare supplement plans, Retiree health insurance, retirement planning

The good news is that retiree health care costs have stopped the steady cllimb.  The bad news is that on average a couple retiring this year will expct to pay $220,000 on average during their retirement years for health care.  So there is good reason to be smart about buying the right Medicare plan and making sure you understand the plan you have.  Begin with knowing whether a Medicare Supplement or Medicare Advantage plan is better for you.  Then check it every year to make sure it's still right. or if you have a life event or health event that might change your needs.

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