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Can You Really Save by Switching Medicare Companies?

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Tags: Medicare, Medicare supplement, Medicare supplement rates

It is smart to compare Medicare supplement plans at least once a year to see if you can save money by switching plans or insurance companies.  Why?  Here are the three things we see happening with Medicare supplement rates:  rates change - amount and frequency; household discounts change - some are offering up to a 12% household discount; and, some carriers are pricing Plan G much more favorably than Plan F.  While many can see savings of a couple of hundred dollars per year, we recently came across a customer paying almost double what she could pay by switching to another insurance company for her Medicare Supplement Plan N.

 

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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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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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Help for Older Smokers Who Want to Stop

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Tags: health living, life insurance, Medicare supplement plans, Medicare supplement rates, seniors

Are you one of 4 million people over the age of 65 that smoke and want to stop?    Or do you want to help an older loved one stop smoking?  Try a new resource from the National Institutes of Health Quitting Smoking for Older AdultsIt offers videos, worksheets, interactive features, strategies, quizzes, and more for older smokers who want to or are thinking of quitting.

The incentives to stop smoking are many from saving on everyday expenses, to lower rates on life insurance and Medicare supplement plans.  But the best incentive is a longer and healthier life.

 

 

 

 

Beyond your health, there can be financial benefits as well.  First, you can reduce a major expenditure out of your budget.  For many older adults reducing their budget to live on a fixed income is essential.

The costs of insurance can go down when you are no longer a smoker.  Smokers pay more for insurance and that includes life insurance and Medicare supplement insurance plans.  While you will need to demonstrate that you have stopped smoking for a period of time (depends on the insurance company’s underwriting questions), being a non-smoker can save you money on insurance.  Some life insurance companies will even offer an incentive to smokers to quit: you’ll pay a lower rate than a smoker if you quit and stay a non-smoker for a certain number of years.

The incentives to stop smoking are many.  Living a longer and healthier life tops the list.  The NIH resource can be a good start.

 

 

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Three Ways to Save on Medicare Supplement Rates

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Tags: Medicare supplement plans, Medicare supplement rates

When you compare rates on Medicare supplement plans check to see what discounts are available.  There are generally three types of discounts available for people buying Medicare Supplement plans: your age; household discounts and the way and frequency of payment. Each insurance company does these discounts a bit differently, so ask about Medicare supplement plan discounts before you buy.

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Switching Medigap Plans: Avoid Double Billing

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Tags: Medicare supplement plans, Medicare supplement rates

Switching Medicare Supplement plans can be a great way to save money on Medicare insurance premiums.  But if you switch Medicare supplement companies remember YOU must cancel the first Medigap policy once the new policy is in place.  Many people forget because the payments are automatically taken from their checking account.  Suddenly those savings are disappearing as double billing adds up.  So when you get confirmation that your application has been accepted with the new company (you have a policy number and ID cards), call your former insurance company to cancel the policy.  You may still have to pay both premiums for the first month, but after that you'll be paying just the new lower price.

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Retiree Health Costs Still More Than Most Expect

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Tags: long term care insurance, Longevity Alliance, Medicare supplement rates, Retiree health insurance

Retiree health care costs have dropped slightly, but are still almost four times the most pre-retirees expect.   A new report from Fidelity estimates a 65 year old couple retiring in 2014 will spend about $220,000 on health care costs in retirement.  Three tips from Longevity Alliance on how to cut health care costs in retirement.

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My Medicare Supplement Rate Increased. Now What?

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

When your Medicare Supplement rate increases you have 5 options to consider.  What options you can consider depends a lot on your health since for most people switching Medicare supplement plans means you will have to pass health questions.  Make sure you understand how the Medicare supplement rates are set.  To understand your options compare Medicare supplement rates and underwriting with many companies.

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