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Choosing the right combination of Medicare benefits can be very easy when you have the right information in front of you.  You will either have the Original Medicare Plan, and add a Medigap (Medicare Supplement) plan to cover the charges that Medicare doesn’t cover; or, you will sign up for a Medicare Advantage plan, that includes Parts A and B, along with additional coverage.  You may also want to add Part D prescription drug coverage.

Help Choosing A Plan

At MediGap Advisors, we offer Medicare plans from many different companies, depending on your zip code.  Companies we work with include Standard Life Insurance, Anthem Blue Cross Blue Shield, Gerber, HumanaOne, UnitedHealthcare, and Mutual of Omaha/United World Life Insurance Company.  Our objective is to help you find the best coverage, with a financially strong company, at the lowest available premium.

If you are interested in purchasing a plan, and would like personal assistance in choosing a plan, our team is here to help.  Just give us a call at 866-323-1441 and request a telephone appointment with one of our Personal Advisors.  Your Personal Advisor will help you fully analyze all your options, let you know the pros and cons of the various plans you are considering, and give you their professional opinion as to which plans will best meet your needs.  We’ll then help you get enrolled with the plan you choose.

You can also sign up for our free upcoming Medigap Teleseminar all about how to choose the best plan for your needs.

The chart below shows the benefits included in each of the ten standard Medicare Supplement (Medigap) plans:

Features
A
B
C
D
F
G
K
L
M
N
 Part A Hospital Coinsurance
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
 Lifetime Reserve Days
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
 365 More Hospital Days
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
 Parts A and B Blood
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
50%
75%
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
 Part B Coinsurance
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
50%
75%
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
 Part A Hospice Coinsurance
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
50%
75%
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
 Skilled Nursing Coinsurance
-
-
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
50%
75%
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
 Part A Deductible $1,100 in 2010
--
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
50%
75%
50%
Blue Cross Blue Shield Medicare Supplement Policy Feature
 Part B Deductible $155 in 2010
(except for $20 copay for office visits and a $50 copay for Emergency Room visits)
--
-
Blue Cross Blue Shield Medicare Supplement Policy Feature
-
Blue Cross Blue Shield Medicare Supplement Policy Feature
-
-
-
-
-
 Part B Excess
--
--
-
-
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
-
-
-
-
 Foreign Travel Emergency
--
--
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
-
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
 Out of Pocket Limits
-
-
-
-
-
-
 $4,620
 $2,310
-
-

Plan F also has high deductible options, which some companies may offer.  These high deductible plans pay the same benefits as Plan F and J after one has paid a calendar year $2000 deductible.  Benefits from high deductible Plans F will not begin until out-of-pocket expenses exceed $2000.

Plans K through N provide for different cost-sharing for items and services than Plans A through G.  With Plans K and L, once you reach your annual "out-of-pocket limit," the plan will then pay 100% of the Medicare co-payment, co-insurance and deductibles for the rest of the calendar year.  The out-of-pocket limit does not include charges for any provider that exceeds Medicare-approved amounts, known as "excess charges."  The annual out-f-pocket limits for these plans in 2010 are $4620 for Plan K, and $2310 for Plan L.

Deductible - Part A $1132 (appears twice in the benefit grid); Part B $162

With Plan M you pay 50% of your Part A Deductible ($1132 per benefit period), as well as the entire Part B deductible ($162 in 2011). Plan N pays all of your Part A Deductible, and you pay the entire Part B deductible ($162 in 2011) plus a $20 copayment for office visits and a $50 copayment for Emergency Room visits.

After the Medicare Supplement plan is mailed or delivered, you have a 30-day free look to examine the plan and to decide if you want to keep it.  If you return the plan within 30 days, all of your money will be refunded.

Note:  Not all plans are available in all states.  Run an instant quote to see plans in your area, or contact us for your available options.

How to Do It Yourself – 3 Easy Steps

If you would rather do your own research, just follow these easy steps.

1.  Decide if you want a Medigap Plan, or a Medicare Advantage Plan

In general, Medigap plans are more popular because they have less restrictions about which doctors you can go to. The benefit with Medicare Advantage plans is that they typically have zero premium.  One popular Advantage plan is the MSA Plan, in which a Medical Savings Account is set up and funded for you, giving you more freedom in how you spend your healthcare dollars.   (More information about this plan is available on our Medicare Advantage page).

2.  Look at Rates and Compare Plans

Medicare Supplement plan benefits are determined by the federal government, so all companies selling a particular plan must offer the same coverage.  So in most cases, you’ll want to look at who has the lowest premiums.

The first step in choosing a plan is to look at the rates.  To do so, you can use our quote engine to run instant quotes.  Our instant quote engine can rapidly show you the available plans in your area from Mutual of Omaha, Anthem Blue Cross Blue Shield, Humana, United Healthcare (via AARP and Secure Horizons), and other companies - so that you can get an overall feel of what premiums will be for the different plans.

To further lower your monthly premium, you may want to consider choosing a higher deductible on your Medicare Supplement plan.  High deductibles are available on Plans F and J, with an annual deductible of $2000 before your coverage kicks in.

Finally, we would be happy to research your Part D Prescription Drug Plan options - just read the information on that page and follow the link to the Scope of Appointment form.

3.  Apply for Coverage

Once you decide on a plan, you can apply using the secure online application (available with many of the insurance companies), or open and print out an application and fax or mail it to us.  You can also contact MediGap Advisors at 866-323-1441 and we will be happy to assist you in choosing a plan and getting your application submitted.

As soon as we receive your application, we will review it for completeness, and forward it to the insurance company.  If you are applying during an open enrollment period, there will be no underwriting and your policy will be issued and mailed to you shortly.  Otherwise your application will go through an approval process with the insurance company.  We'll keep you informed the whole way, and let you know as soon as you've been approved.

Remember, if you are applying during the open enrollment period when you are new to Medicare, you are guaranteed to be accepted for coverage, regardless of your past of present health history.  This six-month period when turning 65 or beginning Medicare is the only time you are guaranteed to be approved for Medigap coverage without having your health history reviewed.

Next Step:

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Disclaimer: Medigap Advisors is not connected with or endorsed by the United States Government or the federal Medicare program.