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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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New Year, New Medicare Deductible

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Tags: Medicare, Medicare deductibles 2016, Medicare supplement

When you head to the doctor or pharmacy for the first time this year don't be surprised when you have to pay for services from your Medicare plan.  New year, new Medicare deductible.  How much you pay and how frequently depends upon the type of plan that you have.  If you moved from a Medicare supplement plan F to a Plan G remember that you will be paying the first $166 in doctor/provider bills before your plan begins to pay.  Plan F - your plan pays the deductibles. Check your prescription drug plan too.  Even if you kept the same plan the deductible may have changed.

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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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Is Medicare Supplement Plan G the New Plan F.

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Tags: Medicare, Medicare supplement, Medicare Supplement Plan F

Medicare Supplement Plan G may be taking over as the most popular Medigap plan.  With legislative changes eliminating Plan F in 2020 and aggressive pricing of Medicare Supplement Plan G, consumers are beginning to make the switch.  How do you compare Medicare Supplement Plan F and Plan G? Longevity Alliance advisors compare plans for consumers everyday and help them decide whether or not they can or should switch.

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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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Medicare Coverage Should Match Your Retirement Phase

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Tags: Medicare, Medicare Moving, Medicare supplement

Retirement is no longer just a one-and-done activity.  More people are experiencing retirement in phases as they work longer at second careers or part-time work and adjust their housing needs several times to meet their lifestyle.  It's the same with Medicare coverage.  With so many changes in Medicare plans and so many options it is smart to review and compare Medicare plans every year.  Know the Medicare moving rules if you are relocating.  Check your prescription drug plan every year as prices and benefits changes.  And have a Medicare supplement plan and are health enough to pass health questions, there may be a more affordable plan available to you.

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5 Tips on Switching from Medicare Supplement to Medicare Advantage

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Tags: Medicare advantage plans, Medicare open enrollment, Medicare supplement

Are thinking of switching from a Medicare Supplement plan to a Medicare Advantage plan. The Medicare Annual Enrollment time (Oct. 15 - Dec. 7) is the right time to look at your options.  Before you make the jump, make sure you know what is different between the two plans.  A Medicare Supplement is a pay up front plan - that generally means no bills when you go to the doctor.  A Medicare Advantage plan is a pay as you go - so you pay every time you use a service.  Here are five tips to help you decipher the difference and which Medicare plan is right for you.

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