Author: Lucille Sullivan

Benefits of working with Medicare supplement plan agent

People often have a tough time deciding, which medicare supplement plan to choose. Also, the process of choosing is different for all since the needs are often different. First of you, you need to determine which plan is the best for you and analyze all the legal rules that will be held valid. Also, you need to determine the process of working of Medicare supplement plans and how they can be compatible with original medicare. After you’re are doe determining, you can start up with the whole process. However getting in touch with an agent can prove to be pretty beneficial.

An agent will save time

The process of choosing Medigap plans can be pretty confusing. Therefore, people who are new to this will unnecessarily waste time determining what is the best for they. Most of the times it happens that even after trying, people do not understand the complete thing. But, when you are in touch with a medicare supplement agent, you will not need to conduct any research. They will help you with understanding the process so that you do not spend time on any unnecessary research.

Save money at

If you are believing that you need to pay the agents for their work, you do not. Since they are paid directly from the insurance agencies, you won’t be required to pay ev n a dime for all the services they will be providing. If you have been working with any independent medicare supplement agent, you should know that they work with multiple companies. Therefore, they will make it easy for you to compare between the different plans. Moreover your agent will help you get the best plan at the lowest rate.

Prevent from overpaying

The price of the coverage increases each year. Hence, it often feels like it is becoming tough to save the money. Therefore the agents have a calculator that can help you analyze the increase in rate. This further ensures that you do not pay any extra charges on unnecessary things.

Unbiased advice

Most of the Medicare supplement agents will be pretty sure of the service they are providing you with. Therefore they won’t force you to make an unnecessary choice. They too will analyze the reports with you and then help you choose the best for you. So, you will know that you aren’t paying extra. The unbiased advice of the Medicare supplement plan agents can actually prove to be pretty helpful.

Family Fun As A Senior

Going out with your family as you start to get older my feel harder and harder as the years go by, this could be for a number of different reasons. One may be the your body is not able to perform certain task as good as it used to so doing simple things like walking can feel like a challenge at some times. This is a big reason as to why you may not be able to always come on certain events with your family because you physically can not do so. But there are still many different options for you do to with your family that will be easy for you do participate in, these things are also just as fun as most things that you can do. get a 2020 supplement plan at

The first thing that could be fun for the family to do is that you guys can all take a n art class together where everyone paints the same thing. These classes can be really fun and a good activity for a group of people to do together. It also is just for fun and is pretty cheap per person to do so. There are a bunch of different group classes for art that are available to do as a group that are also very cheap in price. Other classes are open to like a cooking class where everyone is taught how to make a certain meal, it can be a fun bonding class to take. I am sure there are many other different classes that you can take with family together that are in all different fields of work, so whatever you guys are interested in there is bond to be a class for you to take.

You can also go to the movies or simple things that are easy for you to do and will not require a lot of physical activity. You can also plan to have a family get together at your house and you can host a family dinner and an evening where you guys play board games or watch a certain sports game together. This can give you guys time to bond together and get to spend quality time and be able to talk to each other one on one. There are plenty of different things that you can still do with your family, just because it is harder does not mean it isn’t possible.

Being A Grandparent

Being a grandparent is a great experience, and can feel like having a kid all over again. It can be weird when your child has one of their own, but it can also be a great feeling to be a grandparent and can be very rewarding since you get to teach them everything that you know. You will most likely have them be excited when they go over to your house and it is good to make sure that you gain a good relationship with them since you want them to have positive memories with them when they look back on who you were when they are older in their life. So make sure to be a big part in their life because when they look back on their childhood they will feel like they had more people around them that cared about them.

Make sure that you are getting to spend quality time with them often and that you are apart of big events in their life. When you are young it is nice to know that people in your life care about you and will want to see you be successful in all of the things that you do in your life. So when you always show up to the different events that will take place in their life they will always remember that you were always there for them when they wanted the support from people. It is good to also make sure that you are having a postive impact on their life and that they know you as someone that they can always talk to and someone that they will be able to trust with the things that they tell them. Depending on their relationship with their parents, your child, will most likely make them tell you more things that they may feel uneasy about talking to their parents about. So it is good if they can see you as an outlet for them to be able to talk to.

Go and spend some time when them when you can or have them come over to your house often to spend the night and do fun stuff with them. These are all the things that they will remember when they get older and think of all of the fun stuff that they got to do with you and it will be one of their best memories when they were young. So try to have fun with them and when they come over to your house make sure that it is an enjoyable time, especially if they are having a stressful home life as is. You want you house to be an escape and a moment of peace for them in their life. find quotes for 2020 here

Plan G of Medicare Supplement Plans, know the offers and benefits

Medicare Supplement plans G is also referred to as Medigap plan G, and this is one of the 10 standardized Medicare supplement plans mostly available in majority states. Medicare supplement plans is offered by the private insurance companies working in association with Part A Medicare, that refers to hospital insurance and medical insurance covering the Part B. Medicare supplement insurance helps you in paying the costs out-of-pocket for medical services and hospital care under Part A and B Medicare.


However, you must understand that Medigap Plan G is not available in case you are living in Wisconsin, Massachusetts, or Minnesota. These are the three states offering their regular Medicare Supplement plans benefits.


Will Medicare Supplement Plan G be suitable? Find out at

In case you already have Part A and B Medicare, while you are shopping for Medicare Supplement plans to fill the Medicare coverage gaps, Plan G Medigap may suit your needs, based on the needs. Plan G is the comprehensive plans of Medigap, but it may be a higher premium in comparison to the other lesser comprehensive plans.


Generally, Medicare Supplement Plans, Plan G provides benefits such as:

  • Part B Medicare copayments/coinsurance
  • Part A deductible Medicare for the benefit period in 2018 is $1340. Typically, a benefit period begins from the day you are an inpatient admitted to a skilled nursing facility or hospital and this completes when you do not receive care as skilled care Medicare-covered or inpatient hospital in a skilled nursing facility in a row for 60 days.
  • Blood up to 3 pints
  • Part A Medicare coinsurance for hospital costs, here Part A Medicare is not paid for 20%.
  • Hospital care for 365 additional days after Part A benefits is exhausted.
  • The coinsurance or copayment amounts as hospice care are not paid by Part A Medicare


Benefits that Medicare Supplement Plan G offers?

Are you travelling outside the U.S, you must be pleased that Plan G of Medicare supplement plan covers medical emergency care as you travel abroad such that you get approved costs of 80% as per the plans limits.


Plan G of Medicare Supplement plans cover Part B Medicare for excess charge in case you use the health care provider’s services that fails to accept Medicare assignment. Thus it means such providers do not accept the Medicare determined amount as customary and reasonable as payment in full. Even if a doctor denies accepting Medicare, the doctor may be permitted for excess charge, and this is approved by Medicare for an office visit or specific procedure.

What are the coverage types that are not Medicare Supplement plans covered?

Are you a Medicare beneficiary and are you enrolled also in other coverage types, through the Medicare program or through your employer. Signing the Original Medicare for the first time means you will fill a form known as the Initial enrolment questionnaire and will be asked if there are other insurance types you are enrolled with.


It is crucial to include different coverage types, if you have any. This is because Medicare uses these details as you receive your first health-care services. The coverage types are not the same as the Medicare Supplement plans.


What are the benefits covered by Medicare Supplement plans?

Right now the regular Medigap plans are 10 in numbers, each is denoted by a letter (A, B, C, D, F, G, K, L, M, N; and there is a Plan F of high-deductible version). These plans are obtainable in most states; except for Minnesota, Massachusetts, and Wisconsin. The fact is that each state has a set of Medicare Supplement plans as standardized.


The premiums and coverage levels vary, but each plan benefits within a lettered category such that it enjoys the same regardless of the insurance company or its location. For instance, the benefits of Plan A may be the same in New Jersey as they are in Oregon. In case a Medicare Supplement plan includes a benefit, this benefit enjoys 100% coverage unless specified.


Generally, all the Medicare Supplement plans cover these benefits:

  • Part A Medicare coinsurance and hospital costs rising up to 365 days as additional once the Medicare benefits are used.
  • 3 pints of blood
  • Part B Medicare coinsurance or copayment
  • Hospice care Part A copayment or coinsurance


The coverage offered for Medigap plans may be partial for some, while Plan N covers coinsurance Part B except up to $20 copayment for office visits sometime and copayment up to $50 for emergency room visits that does not turn into any inpatient admission.


Medicare Supplement plans types that cover includes:

  • Coinsurance for skilled nursing facility care
  • Part A Medicare deductible
  • Part B Medicare deductible
  • Part B Medicare excess charges, this may be an amount as non-participating provider charging above the approved cost of Medicare for a service.
  • As per the plan limits, it also covers foreign travel emergency


Plan K and L, are Medicare supplement plans that are an out-of-pocket limit. on reaching an amount for Medicare covered services, the Medigap plan will cover Medicare costs as covered to 100% for the remaining part of the year.

A clear sneak-peak of Medicare supplement plans

Traditional Medicare pays for health-care services and it entails Part A and B, but does not involve paying for all the health-care expenses. This is the reason you are compelled to consider Medicare supplement plans, that is known as Medigap.


Unlike the traditional Medicare, the Medicare supplement plans are issued through private insurance companies. These plans help in paying the medical costs and hospital charges that the Traditional Medicare fails to cover, that includes coinsurance, copayments, and yearly deductibles.


A few Medicare Supplement plans pay for a few services that Traditional Medicare fails to cover, and this includes the emergency overseas travel coverage or also can be referred to as the Part B excess charges.  The advantage is that in Medigap plans nearly 2/10 include out-of-pocket limit yearly and this does not include Original Medicare. Basically, a policy of Medigap truly fills the Traditional Medicare coverage gaps. Enroll in a 2019 supplement plan at


Medigap or Medicare Supplement plans working system

Medigap plans complement the benefits of your Original Medicare, and this is the reason these policies are known as Medicare Supplement plans. There is a need to be in Traditional Medicare enrolled to qualify for Medigap coverage. You may stay enrolled for the coverage of your hospital and medical in Original Medicare. However, understand that Medicare Supplement plans are not offering stand-alone benefits.


You must check for Medicare supplement coverage depending on the place you live.  It may not be possible if you are under 65 years and have disability, amyotrophic lateral sclerosis, or end-stage renal disease.  The states do not provide the benefits of Medigap coverage for people under 65 and if you are already in Traditional Medicare enrolled, check with the insurance department of the state to find if you qualify to enroll in Medicare Supplement plans.


Bear in mind that the plans of Medigap do not include the Part D that refers to prescription drug coverage. And, if you require assistance with your medication costs, there is a need to get enrolled in Medicare Prescription Drug plan as stand-alone. You cannot use Medicare supplement plans to pay for the costs that is already covered with Medicare Advantage plans. Medigap insurance is used in Traditional Medicare to cover costs.


If you already have or are enrolled with Original Medicare and also have the Medicare Supplement plan, the first that will pay is the Original Medicare, and your Medigap policy will fill the cost gaps.

Why should you prefer purchasing Medigap plans in advance?

Most of the people these days are opting to buy the Medicare advantage plans in advance. Usually they are doing it six months prior. Medicare advantage plans combined with the original Medicare plans can help to save a substantial amount of money. The charges that aren’t covered by Medicare plans are covered by Medicare advantage plans. Therefore, the advantage plans act as a bridge between the effective arenas. Also, it helps you to being saved from the potential risk of high biols. Nonetheless, you should ensure that you purchase the medigap plans from a registered authority.

Find a AARP advantage plan at

Turning 65

When you step into the senior citizenship aka the age of 65, you should consider purchasing the medicare advantage plans. This policy becomes valid from the very day itself you gain the age of 65. Therefore, it is for this reason that you should begin your shopping a little year. At the minimum, you should consider taking 4 months in advance to buy the policy. Purchasing the Medigap plans is a long procedure since you need to do a lot of factors. Therefore, beginning a little earlier than you 65th birthday will give you the time to research, determine and properly compare between the two plans.


Beginning six months earlier can serve a lot of purposes

The rate will be chosen basing on the signature date. Therefore there are possibilities that you may get the best rate. Also, you will be able to avoid the increased price that may happen between the signature date to that of the actual beginning date.


Starting your process early will allow you to have control over your documents early which indeed is pretty beneficial. Also, it is very comforting since you will have all the necessary policy rule and ID. Before your Medicare date begins, you should apply for it and get hands on the card earlier.


Losing Group Coverage

There are chances of losing your employer health coverage. Therefore if you are stuck in one such situation and do not have the Medicare Part B, you can still apply for the Medicare advantage plan. In this case, you will need to give some time to yourself in advance before that of your application. This ensures that the insurance companies have enough time to process all the applications. Therefore, you will get time from your start date too.


You can contact the potential medicare advantage plan companies and determine how to get through the procedure. Also, make sure you clarify all your doubts.

What are the factors that determine the Medicare advantage plan premium?

The Federal Government has standardised the rules for the Medicare advantage plans. As a result, the monthly premium usually varies depending upon the Medicare advantage plan you will be choose. The companies usually charge the premium depending on the two factors, the type of plan you will be choosing and the company from which it will be buying. There are 10 different Medigap plans offered by the states. The benefits of these plans are usually same in the different places but the price will be different too.


Irrespective of the location and companies you buy the medicare advantage plan from, the benefits will be same, but there will be a slight change in the premium rates. The charge of the price usually keeps increasing each year. As a result, you should check up with the requirements you will be requiring. The monthly premiums are usually set up by the Medicare advantage insurance companies depending on a number of factors. It is for this reason that the price usually varies from one place to another despite the benefits being the same.


What are the factors determining the cost of the premium? Find out these answers here

There are several factors that determine the cost of the premium for the Medicare advantage plans



There are many Medicare advantage insurance companies that offer low premium rates to their female customers. As per the normal statistics, women tend to live longer than the men. Therefore, this way they pay for more coverage in the course of their life. They are pretty healthy and thus need to claim for the benefits very rarely.



Tobacco causes severe health concerns, therefore if you’re a tobacco smoker, you will need to pay more for your Medicare advantage plan. Therefore, compared to the other people, the tobacco smokers pay about 10% more premium.



The age also plays a significant role in determining the premium for the Medicare advantage plans. This is because the different companies set up their pricing methods depending on the age of the insurer. If you get the plan in the beginning itself, at the age of 65 you will need to pay less premium.



Other health concerns and inflation has been on the significant rise. It is for this reason that the insurance companies over the time have been increasing their price. Many insurance companies tend to increase the price as compared to the other. So you should initially check for all the costs and compare them before actually purchasing one.

Do I buy a Medicare Advantage Plan or Medicare Supplement Plan?

Persons covered by Medicare Parts A and Part B should not depend solely on Medicare. Medicare has deductibles and only pays 80% of the approved expenses after the deductible. A big, catastrophic medical expense could mean that you have to pay a high medical fee. There are two ways to limit these huge, potential losses. Let us examine each in detail:

Medicare supplements – also known as “Medigap coverage” – these plans cover most of the costs or gaps that Medicare has not paid. The government standardized the Medicare supplement plans years ago so that benefits from one insurance company to another are the same. There are currently 10 plans available with the letters A-J. The most common plan is F and is offered by virtually all Medicare insurance companies.

Not all insurance companies offer all 10 plans. Plan F covers both the Part A and B deductibles and the 20% gap left by Medicare. For the individual who wants to cover all doctor visits, hospital fees and other medically necessary tests and expenses, a Medigap plan would be the best choice. Many insurers offer plans which are based on age, and medical underwriting must be approved for a plan, unless you apply during a guarantee issue period or an open enrollment period.

It is important to know that if you apply for coverage within 6 months of your 65th birthday, underwriting is not required. Registration is part B of Medicare, whichever is later. In situations where other insurance is lost through no fault of the insured person, there are special guaranteed enrollment times. Individuals in need of more medical attention seem to be better satisfied with a supplementary plan, although these plans provide no or insufficient coverage for routine dental, visual, auditory or preventive care.

Medicare Advantage Plans – Although part of Medicare (Part C), these plans are very different from the original Medicare products linked to a plan. Initially, no claims will be filed directly with Medicare. Medicare Advantage Plans are private service fees that are directly related to the insurance company. An advantage plan is responsible for processing all your medical claims. These insurers are subsidized by Medicare as they pay for your medical costs. Find a Humana plan at

There are some advantages and disadvantages associated with these types of plans. One advantage is the low premiums. Most plans cost much less than a conventional Medicare plan – some even have a $ 0 premium. No medical insurance is required to purchase one of these plans. Although the plans must cover all of the medial procedures that are usually covered by Medicare, most plans offer some additional benefits for dental, visual and hearing screening as well as for checkups.

These additional benefits vary greatly from one insurer to another. A major disadvantage of these plans is the cost of incidental and ancillary costs available to the insured. Although expenses are limited to a maximum, these expenditures can be substantial if they are not fully covered by a conventional supplementary plan

Medicare Advantage Guidelines

The Obama administration issued the 2013 Payment and policy guidelines for health insurers in the United States that wish to participate in the Medicare Advantage program. According to the administration, the proposed changes to the guidelines would result in lower premiums and stable or improved benefits.

Since the Guidelines did not provide an official preliminary estimate of the average net change in net reimbursement, many insurers and financial markets had no idea of ​​the potential impact the 2013 Medicare Advantage guidelines would have had on the industry.

Low premiums and stable benefits are most likely to continue

Private healthcare plans in Medicare, commonly referred to as Medicare Advantage Plans and Medicare Part D plans, have relatively low premium rates and stable benefits. Federal officials believe this trend was likely to continue in 2013.

The officials released a growth percentage for the per capita spending of Medicare, stating that this will be used to set and determine interest rates on Medicare Advantage plans in 2013. In accordance with the Centers for Medicare and Medicaid Services, the agency that manages federal health For the Senior Citizens Program, the 2013 guidance provides for an aggregate annual growth rate of 2.47 percent and a growth rate of 2.3 percent per capita for the following year.

A statement issued by the agency says: “This positive growth trend will help beneficiaries maintain a range of plans without significantly increasing premiums or decreasing benefits.” Officials of CMS stated that the net total amount for 2013 and the final interest rate announcements would be published and unveiled on April 2, 2012.

The CMS said it accepts public comment on the 2013 Medicare Advantage and Prescription Drug Plans payment and policy guidelines. According to the advance notice and draft Call Letter for 2013, the CMS will exercise its powers under the Affordable Care Act to reject offers from plan insurers that propose “too significant” increases in beneficiaries’ cost sharing or a reduction in benefits.

What are Medicare Advantage Plans?  Find out more at

About 25% or 48 million Medicare beneficiaries participate in Medicare Advantage plans. Unlike traditional Medicare plans, plans are offered by private health insurance companies. Unlike Medicare Supplement insurance plans, which only supplement your Medicare parts A and B, it replaces your Medicare.

MA plans are very popular among beneficiaries because they have no medical insurance. All Medicare beneficiaries are guaranteed acceptance, with the exception of end-stage renal disease. These plans are also referred to as Medicare Plan C, as they combine the benefits of Medicare Parts A, B and part of the Part D coverage.

Another attractive part of the MA plans is that they have low premiums. The reason is because they are funded by the federal government. Given the low premiums, you save on healthcare. Note however, that you are limited on the list of doctors and hospitals you can use. Before you decide to be admitted to MA plans, you must weigh the merit and demerit to determine if this is the best plan for your healthcare.