The Basics in Medicare Supplemental Insurnace Plans In Tennessee

Supplemental Insurance is designed to help beneficiaries of original Medicare’s out-of-pocket cost, such as co payments, coinsurance, and deductibles. Each type of plan offers a different level of coverage, and is named with a different letter (such as Plan A). The plans are standardized, so that all plans of the same letter offer the same benefits. But the premiums can differ among these private insurance companies and some companies may offer additional benefits.

Tennessee Medicare supplemental Insurance

How Tennessee Medicare Supplemental Insurance works

Tennessee residents can purchase a plan from any insurance company that is offering them (Like us!), since they are designed to take charge of the medical costs that Medicare doesn’t cover. Medicare requires that patients pay 20 percent of all of their medical expenses. This cost could be too expensive for beneficiaries, thus after purchasing a supplemental plan in Tennessee; you won’t have to worry about the 20%. The beneficiaries who have purchased a Medigap policy will only be required to pay a small co-payment, or just the premium.

Depending on what plan you pick Medicare Supplemental insurance from Tennessee can cover extended hospital stays, as well as long term stays in a nursing facilities. Also, these plans cover deductibles that are difficult to meet due to financial constraints. Please know that none of these Medigap plans cover prescription drug coverage. For that you will need a separate plan called plan D.

Choosing the right Tennessee Medicare Supplemental Insurance plan

There are only ten standardized plans in Tennessee while different companies will charge different rates, the plans remain the same. Patients must also know that plans offering lower monthly premiums have higher deductibles.

These policies are identified by letters, Plans A, B, C, D, F, G, K, L, M, and N. You can find a chart with all the plans here. It is important to note that pricing on each of these policies differs depending on your age and location. Supplemental plan F offers a high-deductible option. The benefits in any plan A through N will be the same from any insurance company.

You are eligible for Tennessee Supplemental Insurance for Medicare if

  • You are within 6 months of turning 65 or just turned 65
  • You are currently covered under Medicare Parts A and B
  • You are within 6 months of receiving Part B coverage
  • If you are about to lose your group health insurance plan

Apart from looking at cost, it is necessary to figure out which Medicare supplement plans will meet your needs. All 10 of the plans offer different benefits, and it’s imperative that you select the one that will best suite your health needs.

If you are looking for more information on this subject please head over to our website at From here, you can see a chart of the plans and also look over free quotes. As always, our Tennessee insurance brokers are happy to help with plan information and plan rates. Talk to a expert today toll free at 877-202-9248.

The Basics In Texas Medicare Supplemental Insurance

Texas Medicare ѕuррlеmеnt іnѕurаnсе just lіkе other states, fills in thе gарѕ between what оrіgіnаl Mеdісаrе рауѕ and whаt уоu muѕt рау оut-оf-росkеt fоr deductibles, coinsurance, аnd сорауmеntѕ.  Thеѕе роlісіеѕ аrе sold by рrіvаtе іnѕurаnсе companies thаt аrе licensed аnd regulated by TDI. Mеdісаrе supplement bеnеfіtѕ, hоwеvеr, are ѕеt bу thе fеdеrаl gоvеrnmеnt

Mеdісаrе Suррlеmеnt рlаnѕ іn Texas hеlр cover ѕоmе оf thоѕе еxреnѕеѕ, which mау make health-care соvеrаgе mоrе аffоrdаblе fоr ѕоmе Texas beneficiaries thаt mау find their оut-оf-росkеt expenses and mоnthlу рrеmіumѕ associated with Original Mеdісаrе (Part A and Pаrt B) to bе tоо high for their budgеt.

The best tіmе tо buy Medicare ѕuррlеmеnt іnѕurаnсе іѕ durіng уоur six-month open еnrоllmеnt реrіоd. Yоur ореn еnrоllmеnt period bеgіnѕ whеn you еnrоll іn Mеdісаrе Pаrt B аt аgе 65 оr older. During thіѕ реrіоd, іnѕurаnсе companies саn’t rеfuѕе tо ѕеll уоu a роlісу because of уоur hеаlth hіѕtоrу оr condition. If a реrѕоn should wаіt untіl аftеr ореnіng еnrоllmеnt реrіоd, one might nоt bе аblе to buу a policy іf уоu hаvе a рrе-еxіѕtіng condition.

Mеdісаrе ѕuррlеmеnt роlісу is rеnеwеd automatically еасh уеаr to ensure ѕеnіоr hаvе continuous соvеrаgе. If уоu drор уоur Medicare ѕuррlеmеnt роlісу, it соuld be difficult tо get back, оr one mіght not bе аblе tо buу a nеw policy аgаіn.

Althоugh not everyone needs a Mеdісаrе ѕuррlеmеnt роlісу, іf you hаvе оthеr hеаlth coverage, thе gарѕ mіght already be соvеrеd.  A person might nоt need Medicare supplement іnѕurаnсе іf

  • Yоu have a Medicare Advantage рlаn.
  • A реrѕоn hаѕ grоuр hеаlth insurance thrоugh an еmрlоуеr or fоrmеr employer, іnсludіng gоvеrnmеnt оr military rеtіrее рlаnѕ.
  • Mеdісаіd or the Qualified Mеdісаrе Bеnеfісіаrу (QMB) Prоgrаm pays уоur Mеdісаrе рrеmіumѕ аnd other out-of-pocket соѕtѕ. QMB is a Mеdісаrе ѕаvіngѕ рrоgrаm that helps рау Mеdісаrе рrеmіumѕ, deductibles, сорауmеntѕ, аnd соіnѕurаnсе.

Medicare Basics in Texas 

Original Mеdісаrе hаѕ two раrtѕ. Part A covers hоѕріtаl ѕеrvісеѕ, whіlе Pаrt B соvеrѕ other tуреѕ of mеdісаl expenses. You mау go tо аnу doctor оr hоѕріtаl thаt accepts Medicare.  Mеdісаrе ѕuррlеmеnt роlісіеѕ оnlу work wіth оrіgіnаl Medicare.

Mеdісаrе Pаrt A (hоѕріtаl соvеrаgе) pays fоr

  • hоmе health саrе
  • hоѕрісе саrе
  • in-patient hоѕріtаl services
  • skilled nursing facility саrе аftеr a hospital ѕtау;
  • аll but the first thrее ріntѕ оf blооd еасh саlеndаr уеаr

Mеdісаrе Pаrt B (mеdісаl coverage) pays for

  • medical expenses
  • hоmе hеаlth care
  • оutраtіеnt hоѕріtаl treatment
  • durаblе mеdісаl equipment аnd ѕuррlіе
  • clinical lаbоrаtоrу services
  • рrеvеntіvе hеаlth services, іnсludіng exams, health ѕсrееnіngѕ, and shots

Mеdісаrе Pаrt D (prescription drug соvеrаgе)  pays for gеnеrіс and brand-name рrеѕсrірtіоn drugѕ. Senior can gеt рrеѕсrірtіоn drug coverage by either joining a stand-alone рrеѕсrірtіоn drug plan оr bу buуіng a Medicare Advаntаgе рlаn thаt іnсludеѕ drug соvеrаgе. If уоu hаvе group hеаlth insurance, уоur hеаlth plan mіght аlrеаdу cover рrеѕсrірtіоnѕ.  Inѕurаnсе companies аррrоvеd bу Mеdісаrе offer Pаrt D соvеrаgе.

When Purchasing a Plan

It іѕ аlѕо іmроrtаnt to соmраrе costs of mоnthlу рrеmіumѕ and оut-оf-росkеt expenses bеtwееn dіffеrеnt companies, since thеѕе саn fluctuate. Get quоtеѕ frоm a number of different соmраnіеѕ іn уоur аrеа to ѕее whісh рlаn will bе the mоѕt affordable for уоu. If prescription drug соvеrаgе іѕ a concern, соnѕіdеr enrolling in a Mеdісаrе Pаrt D prescription drug plan to rесеіvе this соvеrаgе wіth your Original Mеdісаrе аnd Mеdісаrе Suррlеmеnt рlаn.

Learn more about Texas Medicare Supplemental Insurance rates, plans, and more at  Our Texas Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Texas.  To talk to an expert in Texas Medicare coverage toll free 888.404.5049 today!


The Basics on Medicare Supplemental Insurance Plans

Basic Information on Medicare Supplemental Insurance

Having basic knowledge on how Medicare Supplemental Insurance works when getting close to the age of 65 can give you better health care, reduce expenses and stress! From age 65, it has been proven that 85% of people suffer from health problems and have a high usage of prescription drugs. The major benefit that people of this age have is their savings, and no one wants to spend their savings on health issues.

The governments Medicare program has helped millions of people obtain health care since 1966. Theses polices include coverage at hospitals known as Medicare part A and at the doctor’s office known as Medicare part B. However, the Medicare part A and part B does not cover prescription drugs, dental, vision or long term care. Medicare Part A & B can have gaps in coverage.

How does supplemental Insurance work?

Medicare Supplemental Insurance offers services either not covered or partially covered by the original Medicare program parts A & B. The benefits of the ten supplemental policies are offered by private insurance companies like us. Supplemental plans help fill in coverage gaps left by Medicare parts A & B.  You have to have Parts A & B of Medicare to get the supplemental Insurance.

There are 10 types of Medigap plans, they are labeled by letters. A, B, C, D F, G K, L, M, and N. Not every insurer offers all 10 plans, and prices can vary, but all the plans are standardized by the federal government. This means from company to company the benefits of the plans remain the same, but the price will be different. We take the time and shop around different companies to get you the best rates!

Who is eligible?

The beneficiary is already entitled to Medicare part A and also needs to be enrolled in part B before they can qualify for Medicare Supplemental Insurance. After the age of 65, participants can easily apply for supplemental insurance. Again, It is important to know each supplemental plan covers the same benefits no matter what company sells it, the only difference is price.

What to learn more about Medicare Supplemental Insurance? Please feel free to browse our website at or call us at 877-202-9248.

Medical Supplemental Plans in Texas

Texas offers numerous ways for people to find Medicare supplement insurance. Medicare supplement insurance, often called Medigap, fills in the gaps in your Medicare coverage to pay some of the costs that original Medicare won’t pay. There are a lot of policies and different insurance companies that provide Medicare supplemental insurance plans. It is essential for consumers to know that yearly payments and premiums differ throughout the state based on age, location, and current level of health.

In Texas, the most popular names in the market include Anthem/Blue Cross, Aetna Health, Coventry Health and Humana Insurance. These giant are not alone.  There are dozens of smaller, regional Medicare supplemental insurance companies that Medicare works with to offer supplemental insurance plans including Medicare Part C and Advantage plans.

Finding the right Texas Medicare supplement plan for your health care and budget needs, can be a tough task. Many companies are offering different types of insurance plans that meet the terms for this type of insurance. The problem being that there is often confusion on what you really require and are eligible for. Also, you need to find out what type of plan will be the most beneficial with your current health condition for the lowest cost. This by itself can be a bit overwhelming for people.

Much of the complexity comes from the fact that there are only ten types of plans that may be issued for Texas Medicare supplement plans. They all differ in what they cover and how they affect the money that a person wants to spend. Some are intended for those who are using several expensive prescription drugs, while others are aimed to help people who have intractable illnesses and are already in hospitals or may be entering one soon. Finally, some plans are created to help those in good health who just need to work to maintain it. Each plan is based on Medicare and the areas where it is very limited.

Determining the right Texas Medicare supplement plans for you is further compounded by the rates that different insurance companies charge for the various types of plans. For one person, a plan from Blue Cross Blue Shield of Texas or Mutual of Omaha may do the trick, and for someone else, United HealthCare may work best. Some consumers find Texas Medicare Advantage Plans work while some will see that a traditional supplement plan give the most security. Prices can also vary by zip code, and this makes it challenging for a person to know if they are getting a good price or not. Most people do not have the desire to spend all the time that would be required to completely investigate all the various insurance companies to determine who has the best rates for the plans they think they want.

Companies providing Medicare Supplement plans in Texas may provide one or more of 10 separate plan categories. Each plan type is denoted by a letter of the alphabet, which is standardized under Medigap. This implies that each Plan A offered in the state will provide equal coverage. However, the out-of-pocket expenses will range from company to company and even location to location in the state.

Each county and company will provide a different selection of Medicare Supplement plans. Consider all of the options in your area to find the best plan type for your specific needs. Coverage levels also vary among plan types. For example, a Medicare Supplement Plan C might charge a higher premium but cover more out-of-pocket expenses than a different type of Medicare Supplement plan.

Learn more about Texas Medicare Supplemental Insurance plans, rates and more at  Our Texas Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Texas.  To talk to an expert in Texas Medicare coverage toll free 888.404.5049 today!


Medicare Supplemental Plans in Arizona

Many Arizona seniors, as they near their 65th birthday and enroll in Medicare are searching for the best Medicare supplement plan in Arizona. This state is famously popular as a retirement destination. Out of 6,612,624 Arizonans, over 18% are 65 and over, below is how these seniors are distributed in the largest Arizona cities:

  • Phoenix: 8.4%
  • Chandler: 7.8%
  • Scottsdale: 20.0%
  • Glendale: 9.2%
  • Tucson: 11.9%
  • Mesa: 14.1%

Unsurprisingly, nearly a million residents of Arizona depend on Medicare for their primary source of Medigap coverage. In today’s crowded Arizona Medicare market, seniors have many choices. Looking at the big picture, seniors have two basic options: choose one of 10 standardized Medicare supplement policies or find a good Medicare Advantage plan. Either choice can be sound, depending on your personal health care tastes.

Medicare supplement policies all come with a monthly premium, and the costs will differ from company to company. However, each company’s plans are all the same.  Many insurance companies offer a teaser premium for the first few years to attract new clients turning 65. With all that similarity in the insurance plans, what should a Medicare beneficiary be looking for?

Seniors should be looking for companies with:

  • An insurance company with a history of consistent premium costs free of huge increases
  • Excellent customer services and easy bill paying services
  • A track record of verifiable financial stability

Recipients may choose from several Medicare supplement plans available in Arizona. These plans are denoted by letters. There are ten standardized lettered plans, and each lettered plan must offer the same benefits regardless of the insurance company offering it but the cost may differ. The correct choice will, however, be different for each person, depending upon their health care objectives and economic realities. The most popular type is Medigap Plan F and is also available in Arizona.

Coverage does not generally include additional care, such as hearing, vision, or dental, although other benefits, like coverage while traveling outside of the country, may be provided. Coverage may also include out-of-pocket costs such as coinsurance, deductibles, and copayments. Prescription drug coverage, however, is not covered by Medicare supplement plans in Arizona.

Your choice of either Medicare Part A, Part B, with a Medicare Supplement, Medicare Advantage plan, or Medicare Part A and/or Medicare Part B alone, will depend upon your medical conditions, where you live, and the money you can spend on medical care.  Medicare supplemental insurance plans in Arizona cannot stand alone and can only be purchased with Original Medicare.

In Arizona, all 2017 Medicare Supplement plans have to comply with the official levels set out by Medicare. These cover supplements with names from A to N. Every Medicare supplement plan has to allow primary benefits like Part A hospital coinsurance.

The one thing to remember is that each Medicare supplement plan in Arizona is identical from one company or another. Various companies also charge different premiums, so you may consider Arizona Medicare Supplement plans for 2017 offered by these top companies when you want to make a comparison:

  • Aetna Medigap Plans
  • Colonial Penn Life Insurance Company
  • Mutual of Omaha Medicare Supplement Plans
  • Humana
  • Cigna Medicare Supplement Plans
  • Physicians Mutual Insurance Company
  • AARP Medigap Plans
  • Banker Fidelity Life Insurance Company
  • Blue Cross Blue Shield of Arizona
  • Globe Life and Accident Insurance

Learn more about Arizona Medicare Supplemental Insurance plans, rates and more at  Our Arizona Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Arizona.  To talk to an expert in Arizona Medicare coverage toll free 888.404.5049 today!





Medicare Supplemental Plans in Michigan

Are you sure you know all about Michigan Medicare supplemental insurance plans? One of the foremost reasons why state residents still end up paying huge amounts of money for out-of-pocket costs and deductibles is because they are not fully aware of the different plans and coverage available with Medicare.

In Michigan, the Department of Insurance allows insurance companies to provide Medicare supplement plans that can help pay some of the healthcare costs that Original Medicare doesn’t cover. Medicare supplement insurance policies are also called Medigap policies because they cover the gaps in the coverage that are not covered by a standard Medicare Policy.

Medicare beneficiaries in Michigan who are enrolled in Original Medicare (Part A & B) may find that the plans do not cover all of their health costs. However, Medicare recipients in Michigan may choose to opt in a Medicare supplement plans, which may cover costs such as copayments, deductibles, coinsurance, and other expenses.

These plans, however, can’t be used to pay for Medicare Advantage (Medicare Part C) expenses. These plans are identified by alphabet letters (A, B, C, D, F, G, K, L, M, and N), with plans of the same letter providing the same benefits. Three states, Minnesota, Wisconsin, and Massachusetts, offer different types of standardized Medigap plans.

If you are below 65 years, your choices of Medicare supplement policies are generally limited to a Medicare supplement Plan A or C. There are a limited number of health carriers that offer Plans A and C to persons below 65 years. Companies that offer Plans A and C seniors below 65 years are allowed to charge those individuals more for the coverage.

  • Plan A includes only the essential core benefits.
  • Plan B covers the basic core benefits and the Medicare Part A deductible.
  • Plan C covers the core benefits, the Medicare Part A deductible, proficient nursing facility care, Medicare Part B deductible, and medically required emergency care in a foreign country.
  • Plan D includes the basic core benefits, the Medicare Part A deductible, proficient nursing facility care and medically required emergency care in a foreign country.
  • Plan F includes the core benefits, the Medicare Part A deductible, proficient nursing facility care, Medicare Part B deductible, 100% of the Medicare Part B excess charges, and medically necessary emergency care in a foreign country.
  • Plan F allows a high-deductible version in which beneficiaries pay a predetermined deductible amount before the plan begins coverage. This amount may change from year to year.
  • Plan G includes the basic benefits, the Medicare Part A deductible, proficient nursing facility care, and 100% of the Medicare Part B excess charges.
  • Plan K includes the core benefits. Plan K only provides 50% of the cost sharing for Medicare Part A covered hospice expenses and the first three pints of blood. It also only pays 50% of the Part B coinsurance after you meet your annual deductible.
  • Plan L includes the core benefits. Plan L only provides 75% of the cost sharing for Medicare Part A covered hospice expenses and the first three pints of blood.
  • Plan M includes the core benefits, 50% of the Medicare Part A deductible, skilled nursing facility care and medically necessary emergency care in a foreign country.
  • Plan N also includes the core benefits, 100% of the Medicare Part B coinsurance and up to $20 on emergency visits that do not result in an inpatient admission.

Medicare Supplement plans in Michigan that are denoted with the same letter do not vary in coverage or benefits, as explained above. However, each insurance company that offers Medicare Supplement plans can set their premiums, so costs may differ. This implies that a resident of Washtenaw County may pay more or less than a resident of Wayne County for the same Medicare Supplement plan. By keeping the changes in expenses in mind, it will be a nice idea to compare all Medicare Supplement plans in your county to choose a Medigap plan in Michigan that fits your requirements.

Learn more about Michigan Medicare Supplemental Insurance plans, rates and more at  Our Michigan Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Michigan.  To talk to an expert in Michigan Medicare coverage toll free 888.404.5049 today

Medicare Supplemental Plans in Tennessee

Over a million Tennessee residents rely on Medicare as their main health insurance. Tennessee residents enrolled in Medicare Part A, and Part B have a choice of enrolling in a Medicare Supplement (MedSupp or Medigap) plan to cover the out-of-pocket health-care expenses that Original Medicare does not cover, including deductibles, coinsurance, copayments, and other out-of-pocket expenses.

There are ten standardized Medicare supplemental plans available in Tennessee and as always, every plan is denoted by a letter. Plans are standardized by Medicare so that every plan that falls under a particular letter type will offer equal coverage. While each plan named with the same letter includes the same coverage, the different plans do have some benefits in common. For example, a plan covers Medicare Part A hospital co-insurance for up to a year after the benefits of Original Medicare have been utilized.

Medicare supplement plans in Tennessee cover the expenses that are not paid for by Original Medicare (Part A and B). These expenses may include deductibles, and other out-of-pocket expenses.   Plans K and L are considered low premium, higher out-of-pocket expenses plans and offer less standard coverage than the other plans until enrollees reach the out-of-pocket limit. While almost all the plans cover the entirety of Medicare Part B copayments or coinsurance amounts, Plan K only covers 50%, and Plan L only covers 75%.

The state of Tennessee grants a special Medigap plan to a set retired public and educators who are qualified for Medicare Part A. It is referred to as the Tennessee Plan. This special Medigap plan, called The Tennessee Plan includes a decreased premium if you have worked for at least 17 years as a public employee or an educator. You can’t be refused coverage if you apply within 60 days of your eligibility of Medicare Part A. Your premium won’t increase based on your age. However, most beneficiaries know that Part A and B don’t pay for all health costs, so they enhance their benefits in some way.

Rates for Tennessee Medicare supplement plans in 2017 depend on the supplement level, the county, the insurance company, and in a few cases, age and health. Exploring the different Medigap plan levels might be helpful.

If you are interested in a Tennessee Medicare supplement plan, it is advisable to become accustomed to the various types of plans so that you can pick the best plan that suits your needs. Once a plan type is chosen, you can compare plans between various companies to see the one that fits best within your budgetary guidelines. You should have it in mind that the costs will differ from location to location within Tennessee, so a Part A plan in Montgomery might differ in cost to the same plan in Shelby County. These larger metro areas will most likely offer residents the most Tennessee choices in both Medicare supplement plans and companies:

  • Chattanooga
  • Nashville
  • Memphis
  • New South Memphis
  • Knoxville

Learn more about Tennessee Medicare Supplemental Insurance plans, rates and more at  Our Tennessee Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Tennessee.  To talk to an expert in Tennessee Medicare coverage toll free 888.404.5049 today!



Plan for Your Tomorrow Today With the Right Medicare Insurance Plan

There are ten Medicare supplemental plans that are available in most of the states except three, Minnesota, Massachusetts, and Wisconsin, in which the policies aren’t exactly the same. The 10 plans are designated by the 10 alphabets. These alphabets include A, B, C, D, F, G, K, L, M and N.  So, the plans are also like plan A, plan B, and plan C, so on till Plan N. The each category plan has its own description, which means it’s a standard thing throughout the companies which provide these plans. The benefits are the same with every insurance company but the costs of each one of these may vary among the different companies.

The Medicare supplemental insurance plans:

The advantage of Medicare supplement plans is that they cover the areas that aren’t covered by the original Medicare plans. Thus the name derived, Medigap, to cover the gap that was left by the Medicare plans. The additional benefits from Medicare plans include the coinsurance, deductibles and the copayments. Other areas like emergency health care benefits and three pints of blood, isn’t even there in the Medicare plans. Some of the reasons why you need a Medicare supplemental plan today are:

The benefits of Supplemental Insurance:

There are many advantages that are provided by these plans. Every plan has a different coverage for these facilities so you will have to compare to get the accurate deal. The hospital care and the hospital costs are covered by the Medicare supplemental plans. You can get the first three pints of blood easily and almost free of cost with these Medigap plans enrollment services. There are home health care visits if that is necessary as per your health demands.

The skilled nursing staffs that can handle all forms of nursing procedures like IV, IM injections, physiotherapy etc, are provided with an ease of the charges by the Medigap. The other services like dialysis, transplant, and donor-related services are also covered by these plans. The other routine services like examination, immunization, and screening are covered with minimal cost that you will need to pay. The emergency travel services are also covered. The anesthesia and the dental care charges are also less when you have bought a Medigap plan. The breast reconstruction services are also covered by these plans.

The factors to consider:

With the help of Medicare supplemental policy, you can visit any doctor that follows these plans in the United States. There are some factors that you should consider before enrolling in the policy programs.

The Medicare part A and B are necessary before you can apply for the Medigap plans. If you are already using the Medicare Advantage plan, then you can’t use the Medigap insurance policy plans, unless you leave those Medicare Advantage plans. You have to pay a monthly insurance amount to the private company that is offering you the Medigap plan, along with the amount you pay for the premium part b to the Medicare.

The Medigap policy can cover only the health advantages of a single individual. If you and your partner both want it, so you will buy the policies separately. This plan can be bought from any of the insurance company that has got the license to sell the Medicare supplemental plans. The insurance companies cannot cancel your Medicare supplemental plans as far as you have paid the premium. The prescription drugs were a part of Medigap plans before 2016, but they are no more included afterward, in the Medicare supplemental plans.

To select a plan:

The plans are different from each other in the areas of coverage and the facilities provided. So you will first look at the plan’s description, compare the plans, and take in notice your own health needs. There are certain factors that you can compare among the ten plans, like the deductibles, monthly premiums, the restrictions and you own expected visits in a year, the diseases you mostly get and the charges you have to pay for those facilities.

The Medicare supplemental plans are very beneficial in saving your health in the future. They provide the right facilities with the cost-effective services at the right time. Buy one of the Medicare supplemental insurance plans for yourself today!

Learn more about Medicare Supplemental Insurance plans, rates and more at  Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans.  To talk to an expert in Medicare coverage toll free 888.404.5049 today!




What You Should Know About Medicare Supplement Plans in Texas

If you live in Texas, it is important that you find a Medicare coverage that fits your life and your lifestyle. However, some Texas beneficiaries of the Medicare insurance may find that their out-of-pocket expenses as well as the monthly premiums associated with the original Medicare, Part A, and Part B, tend to high and don’t offer the needed coverage. Medicare supplement plans in Texas help in covering these expenses and make your health-care coverage more affordable. Here are some of the things you should know about Medicare Supplement Plans in Texas:

Initial Enrollment Period

In Texas, the initial enrollment period for Parts A and B Original Medicare holders is seven months during a period surrounding their sixty-fifth birthday. This period starts three months prior to the month of your birthday and ends three months after. In other words, you are advised to enroll in a Medicare supplement plan for three months before and after your birthday.  This is your own personal open enrollment plan.

Special Enrollment Period

You can enroll in a Medigap insurance plan without medical underwriting for any of the following reasons:

  • Loss of coverage
  • If you moved to a new area or state
  • If you joined a Medicare Advantage Plan during the right eligibility period (with Medicare Part A and B and at the age of 65), and within the first year of joining the plan, you decide that you want to switch to the Original Medicare Plan.

Renewable At Any Time

Any standardized Medicare Supplement Insurance policy in Texas is renewable at any time whether you have a health condition or not. The plan cannot be canceled as long as you are paying the monthly premium to your insurance service provider.

Prescription Drug Coverage

Medicare Insurance plans sold in Texas after 1st January 2016 are not allowed to include prescription drug coverage. This means that if you want to cover prescription drugs, you will have to join the Medicare prescription plan, Plan D.

Eligibility with Medicare Advantage Plan

If you already have a Medicare Advantage Plan, you are eligible for a Medicare Supplement Insurance plan. However, you should make sure that you leave the Advantage Plan before your Medicare supplemental plan starts. You must also be a holder of the Medicare Part A and Part B coverage.

Insurance firms offering Medicare supplement plans in Texas may offer one or more of the ten different Medigap policies. Make it your responsibility to compare the different Medicare supplement policies available and choose one that meets your financial and health care needs.

Learn more about Texas Medicare Supplemental Insurance plans, rates and more at  Our Texas Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Texas.  To talk to an expert in Texas Medicare coverage toll free 888.404.5049 today!

What Should You Know About Medicare Supplemental Insurance In Tennessee?

As a retiree, you are eligible for Medicare in Tennessee including additional supplemental insurance plans. The Medicare plan is designed specifically for individuals who have reached sixty five years of age or that are covered due to special circumstances.  Individuals with Medicare in Tennessee often need additional coverage in the form of supplemental insurance to help cover charges that Medicare does not.  For example:

  • Out of pocket deductible after hospitalization
  • A twenty percent deductible charge for approved doctors’ bills and outpatient expenses
  • Amounts over the approved Medicare amount from providers that do not participate in Medicare

Medicare supplement insurance plans in Tennessee cover many of the expenses that are not paid for by Original Medicare which consists of Medicare Part A and Medicare Part B.  Copayments, deductibles, and other out-of-pocket expenses are the individual participant’s responsibility.  Additional coverage in the form of supplemental insurance plans can be purchased to work in conjunction with Original Medicare.

Each plan offers its own unique set of benefits.  Medicare Part A and Medicare Part B offer the most basic health care coverage for retirees.  Basically Medicare is responsible for eighty percent of all medical bills from physicians and hospitals that work in conjunction with the Medicare program.  The participant is then required to cover the remaining twenty percent out of their own pocket or with additional insurance coverage such as one of the ten Medicare supplemental insurance plans that can be found in Tennessee.  This additional coverage can be purchased through a number of private insurance companies and is strictly regulated by the Federal government.

Choices in Medicare Supplement plans in Tennessee

There are ten different Medicare supplemental insurance plans available in Tennessee.  Each is represented by a letter, A through N.  The plans are standardized by Medicare.  What this means it that that every plan that falls under a specific letter type will offer identical coverage.  Supplement Plan D in Anderson County is the same as Bedford County.  The same is true of each state.  Coverage is identical throughout the United States.

Each plan offers something different.  The plan you choose could cover any or all of the following:

  • Plan C or F will differ from Plan A in terms of both coverage and costs.
  • Plan F is a high-deductible plan. This means the participant must pay for Medicare-covered costs up to the deductible amount before their supplemental insurance will cover anything.
  • Plan N pays one hundred percent of the Medicare Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits without admission

Some of the healthcare benefits that are not covered by Tennessee Medicare Supplements include:

  • Vision and dental care
  • Hearing aids and tests
  • Eyeglasses and contacts
  • Private Nursing
  • Long term care

If you are interested in comparing Medicare supplement plans and rates with in Tennessee, it is helpful to contact a Medicare supplemental insurance broker.  This information can be provided by Tennessee Medicare supplemental insurance brokers who will then help you choose the best Tennessee Medicare supplemental insurance plan to meet your healthcare and budget needs.

Learn more about Tennessee Medicare Supplemental Insurance plans, rates and more at  Our Tennessee Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Tennessee.  To talk to an expert in Tennessee Medicare coverage toll free 888.404.5049 today!