What is Medicare Supplemental Insurance?
A Medicare Supplemental insurance policy is health insurance sold by insurance companies to help cover some of the shortfalls (gaps) left by regular Medicare parts A & B. These companies are required to offer the exact same coverage for each plan that they offer.
This means that you are free to shop around and find the least expensive policy with no difference in the benefits that they provide.
How do I choose a Policy?
The first thing to know is that paying a higher premium for a standardized Medicare Supplemental insurance plan will NOT get you anything extra - except perhaps a nice smile from the agent who signed you up! Not only are the benefits the same from one company to the next, their claim filing requirements are also identical.
Second, you'll want to review Medigap Plans A-L with a qualified Medicare Supplemental specialist to decide which plan or plans have the benefits you need and want. You may choose one or more plans to look at more closely. Note that by law, Medigap insurers aren't allowed to sell you more than one Medigap policy.
Third, make sure that you are getting a complete multi company rate comparison. You will find that there are many insurance companies selling identical Medigap plans in your state... the goal is to find a reliable company with the lowest rate.
For most people, premium amounts are major factors in their decisions. Find out the premium each company would charge you for the Medigap plan (or plans) you are looking at. When you compare the costs, you'll notice that there can be big differences!
Lastly, take your time as you are comparing insurance companies and choose one carefully. You can find an insurance companys rating through such places like AM Best and Weiss Research Inc.
We are happy to assist you in choosing a Medicare Supplemental insurance policy. Use our online quote tool to compare rates, or give us a call and we'll help you find the right Medigap plan for the lowest rate!
Medigap Insurance Plans: How they work
When you need treatment at a doctor, hospital or specialty treatment center, you only have to show your Medigap Insurance (Medicare Supplement) card to the doctor, hospital or treatment center. Then everything will, almost magically, be taken care of for you.
The fact is that, once your claim is filed with Medicare for Medicare Part B charges, Medicare will in most cases send your claim directly to your Medicare Supplement Insurance Company without you or your provider having to do anything. Then your Medigap Insurance Company will process the claim, often without it ever touching human hands.
For Medicare Part A claims, the hospital where you receive treatment is required to file with Medicare Supplement Plans for you. Therefore, you will never have to worry about claims hassles or paperwork.
You only need to Compare Medicare Supplements and find the one that is right for you and all is taken care of for you. And once again, if you choose the Medigap Plan F from Medigap Central, you will never have a remaining bill to pay.
We at Medigap Central believe that healthcare professionals should be able decide what the absolute best treatment is for you while Medicare Supplement Insurance Companies make sure that you aren’t burdened with the costs of healthcare treatment. Medicare Supplement Insurance Companies will stay out of your and your physician’s way when you need treatment.
Also, when you take out a Medicare Supplemental Insurance Plan like a Medicare Supplemental Plan F from Medigap Central it is YOURS FOR YOUR ENTIRE LIFE. Unlike Medicare Advantage Plans, as long as you continue to pay the premiums, the Medigap Insurance Company can never take that coverage away from you… EVER!
Medigap Insurance Plans: Pre-Existing Conditions
Even if you have pre-existing conditions, we can get you covered and save you money over what you are currently paying.
Here’s the truth: If you currently have a Medicare Supplement Plan and have had it for at least 6 months or if you’re new to Medicare and have had creditable coverage for at least 6 months, then all pre-existing conditions will be immediately covered by your new Medigap Insurance Plan that you will receive at Lower Medicare Supplement Rates.
If you have not had Medigap Insurance or creditable coverage other than Medicare Supplements for the past 6 months and you have pre-existing conditions, then you are fortunate to be working with Medigap Central, one of America’s leading Medicare Supplement Brokers. With one quick call to a Licensed Medicare Supplement Specialists at Medigap Central, you will know your options within minutes.
In many instances, we can get your pre-existing conditions covered. In other situations, you will only have a short waiting period. What is for sure is that you will be advised of the absolute best course of action and we will help you get the treatment you need at the lowest possible costs.
Plus, you will find the recommendations given by Medigap Central and options for Medicare Supplement Costs will be comprehensive and all things will be considered. That’s why we are here. Call us right now for Medicare Supplemental insurance Quotes to find the lowest possible Medigap Rates and for world class advice, counseling and advocacy.
Medicare Supplement Insurance Plans: Why shop with Medigap Central?
If you are on Medicare, you are probably facing tough decisions on choosing the right Medicare Supplement Insurance Plan and probably being misled by Medicare Advantage salespeople.
Medicare Supplement Insurance Companies are all required to offer the same coverage options. Therefore it is more important than ever to shop Medicare Supplement Rates from top companies through a partner you can trust.
Medigap Central is one of the nation’s largest and most popular place to find Medicare Supplement Insurance Rate Comparisons from top companies such as UHC, Mutual of Omaha, AARP Medicare Supplement, Sentinel, Forethought, Family Life Insurance and many others. We are a one stop shop and have helped hundreds of thousands of America’s Medicare recipients to make important healthcare decisions through Medicare Supplement Plans.
Why Medigap Central is different is that WE WORK FOR YOU, not just one Medicare Supplement Insurance Company. We access all Medicare Supplement Insurance Companies that offer Medigap Supplemental Insurance and find the those that are reputable and will be able to live up to their promises for many years to come.
Once we’ve found the top Medicare Supplement Insurance Companies that meet our rigorous requirements, we use our proprietary and state of the art technology to make Medicare Supplement Insurance Rate Comparisons. We compare these Medigap rates and plans with you on the telephone, and we are always just a phone call away. We do not come to your home… we respect your privacy. By shopping around for you, we find the very best value for your particular situation based on your specific needs, not what insurance companies hope to sell you.
But that’s not all we do for you. Have you ever tried to take out an insurance plan like a Medigap Plans or a Medicare Supplemental Insurance? Many who do are denied coverage or gotten restrictions on their policy that they didn’t see coming only after they had paid the initial premium. There can be great hassles involved in getting a refund or finding other suitable Medigap Insurance or other coverage.
At Medigap Central, we won’t let this happen to you.
The Medicare Supplement Brokers at Medigap Central are also Medigap “field underwriters.” So we will not only assist you in finding the best for Medicare Supplement Insurance rates, but we will make sure that you will qualify for the coverage before we ask you to apply. By answering a few quick questions about your health, you can be instantly qualified for Medigap Insurance Plans that will accept you the first time, without hassles or worry of losing coverage.
We won’t recommend a plan for you unless we know that you qualify to be approved by the insurance company. Furthermore, our Lowest Rate Guarantee ensures that you never pay a penny for our services and are always paying the lowest available price on the recommended plan you qualify to receive.
Then, for your convenience, we have made arrangements with all of our Medicare Supplement Insurance Companies to be able to let you enroll in their plans right over the phone in a manner of minutes. You get the lowest Medigap Rates available, coverage for life and, if you choose Medicare Supplement Plan F, you will never pay a penny again for Medicare covered treatments.
Medicare Supplemental Insurance Companies offering plans at the lowest rates?
Do you know that dozens of Medicare Supplemental Insurance Companies offer Medicare Supplements in the United States? Yet most people on Medicare Part A and Medicare Part B can only name a couple of them like AARP and Mutual of Omaha. This is because only a few spend large amounts of money on advertisements to get name recognition, even though they may be no better for you than other Medicare Supplement Companies. Also Medicare Supplements are often advertised by companies going to the expense of sending you a pile of information about themselves in the mail, and most people on Medicare find this information more confusing and overwhelming than helpful.
Most reputable Medicare Supplemental Insurance Companies don’t go to such expense. They simply rely on a Medicare Supplement Broker like Medigap Central to educate and counsel the public while focusing on the operations of underwriting policies and paying claims. This is why the best option for you will probably be a reputable Medigap Insurance company that you have never heard of.
There are many Medicare Supplements being offered by dozens of Medicare Supplement Insurance companies. These Medigap Plans are always offered at different rates for the same person from company to company. So you probably realize that shopping around will help you find a company that is offering Medicare Supplements at lower rates than you are currently paying or considering.
Most people find that, by letting America’s largest Medicare Supplement Broker (Medigap Central) help them shop, they will not only save money on their Medigap Insurance Plan, but will have the peace of mind of knowing they can go anywhere in the country and, if they get the recommended Medigap Plan F, receive 100% coverage.
And since Medicare Supplemental Insurance is standardized between Medicare Supplement Insurance Companies, you can get the exact same or even better coverage than you already have or are considering for lower Medigap rates.