What is Medicare?
Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease. Different parts of Medicare help cover specific services.
What is Medicare Supplement Insurance (Medigap)?
A Medicare Supplement Insurance (Medigap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Comparison of Medicare Supplement Insurance Plans
There are 11 Medicare Supplement plans offering a range of coverage, cost-sharing and rates.
What if I’m New to Medicare?
First, you must be covered under original Medicare Parts A and B. You are then eligible to purchase a Medicare Supplement Insurance plan. Medicare recommends you purchase a policy when you are first eligible.
What If I Already Have a Medicare Supplement Plan, but Want To Change?
Many people are under the misconception they can only change plans during Open Enrollment— October 15 to December 7 each year. This is not true. You can change Medicare Supplement Insurance plans any time throughout the year as long as you are able to answer certain health questions to be accepted. Each of the companies we represent have their own guidelines. Call us today to see if you can save money by changing plans. We’ll also help determine which of the insurance companies we represent are most likely to accept you. Call us today, toll-free at 1-877-257-2663.
What’s the Difference Between Medicare Supplement Insurance and Medicare Advantage?
The two are very different even though many people confuse them. Medicare Supplement Insurance (also called Medigap) is offered by private insurance companies to fill in the gaps/ what is not covered by Original Medicare Parts A & B. Medicare does not cover 100% of expenses and, in fact, has potentially high risk by itself.
A Medicare Advantage plan (also known as Part C) is a replacement for Original Medicare—in fact, you disenroll from Original Medicare and choose to be under the rules and requirements of the Medicare Advantage company/plan. You are no longer under Medicare. The key characteristic of Medicare Advantage plans is that they work like an HMO/PPO network, meaning you may have network restrictions when you need health care.
Who Should Buy Medicare Supplement Insurance?
Medicare alone can leave you with potentially high risk. Read More
There are 11 Medicare Supplement plans to choose from, offering a wide range of coverage and rates to make Medicare Supplement insurance affordable. Because the plans are standardized, meaning they each must offer the same coverage, the only difference is the rate. So which company has the lowest rates? One thing is clear:
“No one company has all the plans and the best rates in every area.”
Americare Group represents many of the top companies so that we can do the research for you to find the best plan and the best available rate for you. Read More
Call us today, toll-free at 1-877-257-2663.
How Can I Save Money?
There are two major factors in helping you save money on Medicare Supplement Insurance.
- The first is finding the Right Plan for You of the 11 plans available. The same plan is not necessarily right for everyone. We’ll help you determine which plan is best for you.
- Then, because we represent many top companies we can research our Rates-and-Plans Database to help find you the best deal on the Medicare Supplement insurance plan that works best for you.
Sometimes it helps to understand a bit more about how the various plans are priced. To view Price Ranges for a cross-section of the plans on this website, simply click here:
View My Pricing Now!