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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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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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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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Know the Rules for Medicare Drug Plan Exceptions

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Tags: D, Medicare, Part

Know the rules to apply for an exception to your Medicare drug plan if you changed plan for 2016.  The Longevity Alliance Drug Exception Guide helps you understand the different types of exceptions and what forms to file for approve.  Remember, your doctor will need to assist you in filing for an exception to your Medicare plan drug coverage.

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Is It Worth Switching Medicare Drug Plans?

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Tags: Medicare, Medicare open enrollment, Medicare Part D

The Medicare Annual Enrollment Period is upon us.  You’ll see ads on TV, online and in the newspaper and articles warning you to shop for plans now.  Should you?

Sometimes the amount of change is so small that you might decide to avoid the hassle of switching.  That’s smart too.

Because the tradeoff for a small amount of savings ( a couple dollars per month) may not be worth the hassle of filling out a new application, potentially changing pharmacies or mail order firms, and moving your prescriptions.  You know your pain point. The important thing is to know and understand how your plan is changing next year and whether it is still a good match for you. Where do you start?

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Will You Be Paying Too Much for Your Part D Plan in 2016?

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Tags: Medicare, Medicare open enrollment, Medicare Part D

If you have a Medicare Part D plan from AARP, Humana or Cigna/Healthspring it is wise to shop and compare Medicare Part D plans for 2016. The plan may still be right for the prescriptions you are taking; however there may be another plan that can offer the same drug coverage for a lower monthly premium.  A recent analysis of drug plan premiums shows double digit increases (on average) for these plans.  Medicare Annual Enrollment period opens Thursday Oct. 15 and runs through Dec. 7 and is the time for people with Medicare to shop and compare Medicare drug plans for 2016.

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