The MediGap Blog
To Contact Our Licensed Advisors

The Five Most Important Questions to Ask Before You Buy Medicare Supplemental Insurance

June 1st, 2009

When you’re on your own, choosing the right medicare supplement coverage can seem overwhelming. You need help! If you haven’t yet decided whether MediGap Advisors is the right partner to help you set up your Medicare Supplement insurance plan, we’d like to suggest some useful guidelines to aid you in this important choice.

We always say that customers need answers to the following five critical questions:
1. Do I have choices?

At MediGap Advisors we offer plans from a large number of insurance companies, so that you can find the best rates for your needs. Your Medicare Supplement Instant Quote offers several different plans from a variety of companies. You can click on the button above to review your choices – and then, if you’re ready, you can just select your plan and fill out your application. That way, you’ll get your coverage in place as quickly as possible!

2. Can I easily talk to a live person? Do I have one assigned advisor?

Selecting and buying medicare supplement insurance has never been easier. Many people select a Medicare Supplement plan and make their purchase, all without ever speaking to one of our advisors. We understand that you have many better things to do than talk to an insurance agent. However, sometimes you will have a question that you can’t easily find the answer to and you just need to talk to someone. At MediGap Advisors, we make the process as easy as it can be. Just call us at 1-866-323-1441.

3. I have had some health issues in the past. Can you help me fill the application out so it has the best chance possible to be approved without exclusions or waivers?

The most important thing you can do to ensure your application is approved is to apply during your initial open enrollment period. Your open enrollment period that lasts for 6 months and begins on the first day of the month in which you are age 65 or older and enrolled in Part A and B of Medicare. Some states have additional open enrollment periods. There are no other qualifying questions during open enrollment, insurance companies can not use medical underwriting, and pre-existing health conditions do not matter. This is great news for anyone desiring to enroll in a Medicare Supplement plan. During this time, an insurance company must sell you any Medicare Supplement plan they offer, they can not make you wait for coverage to begin (even for pre-existing conditions) and they can not add extra charges because of any health problems, past or present.

If you missed your open enrollment period, or are looking to change Medicare Supplement plans, we can help you honestly fill out your application in a way that will maximize the chances it will be issued without any waivers or exclusions. I also can help you appeal the underwriting decision should there be unexpected waivers. In either case, we will do everything I can to be sure your policy fully covers you and that the premiums are as low as possible. If you have any issues you’re worried about, call right now, and let’s set up an appointment to discuss your situation. Call 1-866-323-1441.

4. Am I dealing with medigap and medicare supplement specialists? Are they knowledgeable professionals or just order takers?

For many insurance agents, medicare supplement plans are not their main focus. They just offer them because their primary vendors do. But wouldn’t you rather talk to someone who can help you make sense of the many options in front of you? Someone who could save you hundreds – even thousands – of dollars over the life of your policy? At MediGap Advisors, we specialize in medicare supplement plans.

5. Can I get help enrolling in my Medicare Supplement plan?

Most of our customers are new to medicare supplement plans, and are not yet familiar with how a medicare supplement plan differs from traditional health insurance you may have been used to before age 65. Here at MediGap Advisors, we are able to provide as much or as little assistance as you need. For those who like to do it themselves, our web site is designed to make the entire process as easy as it can possibly be. Understanding the full benefits available and how to get the most out of your medicare supplement plan requires very specific knowledge. We supply the answers to most questions on our “How To” Guide page, which you’ll find here:
http://www.medigapadvisors.com/medicare-supplement-how-to-guide.htm

But if you want more help to plan how to get the most out of your Medicare Supplement, please don’t hesitate to give us a call at 1-866-323-1441. We’ll be happy to help you compare your options and get the plan that’s best for you.

Jim McFadden

Jim McFadden has over 11 years of executive-level experience in the health insurance industry, is a youth baseball, softball and football coach, and has one of the worst fantasy football records in the world.
 

 

 
GET AN
INSTANT QUOTE
Compare Your Medigap Options Today!



Facebook Auto Publish Powered By : XYZScripts.com