Where can I learn more about Medicare?

We’ve got Medicare explained in simple terms on our About Medicare page.

Why do I need a Medicare supplement, or "Medigap" policy?

Medicare coverage has deductibles that increase every year, and many gaps that could leave you with unlimited out-of-pocket expenses.  A Medicare Supplement plan can help protect against these expenses.

How do I get a quote for Medicare Supplement insurance?

Simply click here to get an instant online quote from some of the companies we represent, or give us a call at 866-323-1441 and we'll be happy to help.  We can help you understand how the plans work, compare rates, and choose the one that will be right for you.

What plans are available, and what do they cover?

Medicare Supplement insurance is available in ten standard plans: A, B, C, D, F, G, K, L, M, and N.  Each plan of a particular letter is exactly the same , regardless of which insurance company offers it.  Read more about the available 10 Medicare Supplement Plans.

How do I qualify for a Medicare Supplement plan?  What if I have some pre-existing health problems?

When you enroll in Medicare, there is a 6-month open-enrollment period in which you can apply for coverage without having to qualify medically.  Go to this page to learn more about Medicare Supplement open enrollment periods and how to qualify.

How can I learn how to choose a plan and get signed up?

Call us at 866-323-1441 and we’ll be happy to answer your questions, help you compare your options, and help you get signed up.  You can also join our upcoming teleseminar on How to Get the Most from Medicare: Three Key Steps to Choosing the Best Plan.  There is also a wealth of information on our website.  Check out our How To Guide for step-by-step instructions.

What happens to my Medicare Supplement plan if I move?

You can take your coverage with you, but if you move to a new state your premium may change.  If you do move to a new state, you can sign up for plans A, B, C, or F without having to qualify medically.

Do I receive coverage while out of the country?

If you are enrolled in plans C, F and High F, then you will receive out of country coverage.

How often do rates change on Medicare Supplement plans?

In most states, plans are age-rated and are in age bands, i.e., 65, 66-67, 68-69, 70-74 etc., so rates do change once the member reaches a higher age bracket.  Rates may also increase each year, based on market factors.  Any rate increases to Medicare Supplement plans must be approved by the Division of Insurance or other regulating agency.

Do I need to answer the medical questions on the application form?

Yes, unless you answered "Yes" to either of the questions under the Guaranteed Acceptance Determination section.  If not applying during a time of open enrollment, a yes answer on any of the medical questions will result in an application being denied.

After enrolling, can I switch from one plan to another?

You may downgrade (i.e., reduce your coverage) at any time upon request.  A new application must be submitted in order to upgrade your plan.  All underwriting questions must be answered in order to request an upgrade.

Do I need to send in the first month's premium with an application?

Yes, the first month's premium is required to process the application

Should I choose a Medicare supplement plan or a Medicare Advantage plan?

The plan that’s right for you depends on your own individual needs.  Most of our clients choose a Medicare supplement plan because of the wider choice of providers.  Also, the government is dramatically cutting funding on Medicare Advantage plans, so we expect fewer to be available in the near future.  You can learn more about this option on our Medicare Advantage page.

Will I be able to talk to a real person, or am I calling into a call center where I get a different person every time?

We are a small team dedicated to providing personal service, and making the process very easy.  Once you connect with one of our advisors, they will be your personal contact any time you have questions, and as long as you have coverage with us.

How do the new health care reform laws affect Medicare?

The new bill increases some taxes, cuts funding for Medicare Advantage, and over the next 20 years will close the prescription drug gap of Part D.  More details are on our Medigap - Health Care Reform page.

Where can I obtain a copy of the government publication on Medicare?

The current handbook on Medicare is available from your local Social Security office or by calling the Social Security Administration toll-free at 800-633-4227 or download a copy of Medicare and You right here.

What do I do next?

If you know what plan you want, you can simply sign up by clicking the link on the Instant Quote results.  Or, give us a call at 866-323-1441 and we'll be happy to answer any questions and walk you through the process.