Monthly Archives: March 2018

Identifying The Best Medicare Supplement Plans

While selecting a health plan for you, you must look out and study the benefits you get under each plan. It is always mandatory to make sure that the medical supplement plans covers all the needs. You need to understand the different plans before deciding on one of them.

How to identify the best plan?

If you are unaware of what Medicare Supplement Plans 2018 to enroll then you must do a thorough research beforehand. It is also necessary to know that not all plans are better for you. You must choose the ones that fulfill all your needs and benefit you for a longer period.

There are around ten Medicare supplement plans sold in and around the States. The plans are simple and cover all the basic health expenses. All the plans are labeled alphabetically in A, B C, D, F, G, K, L, and M, N. The Medicare supplement plans cover the hospice expenses, and give benefits related to coinsurance and co-payments as well.

Benefits that are covered by Medigap

  • Facilities for skilled nurses and the expenses on stay
  • Hospital expenses and the stay
  • Part A original Medicare
  • Part B original Medicare
  • Foreign traveling due to health emergencies.

Usually, the Medigap plans from A to N are standardized in all states. Thus irrespective of which region you reside, you get equal benefits for all. However, it might happen that some plans are not available in certain regions due to the state’s legal obligation.

Medicare SELECT

In places where some of the Medigap plans are not available, you can find Medicare SELECT plans as well. with Medicare, SELECT plans you can choose the hospital and doctors within the network only. the Medicare SELECT is considered less expensive than the Medigap plans. However, you are eligible to enjoy full benefits same as in the case of Medigap plans.


Cost is another factor that is important to determine while choosing a perfect plan. You may find that various insurance companies charge a different rate for the same plan. The diversity in cost is based on the below factors;

  • Community-rated: people of all ages irrespective of a gender pay equal premium on the plans. Premiums fluctuate due to inflation.
  • Issue age rated: the rates of the policy are decided on the basis of the age but the premiums fluctuate due to inflation. In this case, the age is not the decider of the premium.
  • Attained age rated: the rates of the premium is decided at your current age but goes higher as you grow older.

Once you get enrolment for the Medicare supplement plans, you will come to know about the various benefits of the same as well.


Things To Know About Medigap Drug Coverage

So far, there are no changes in the Medigap plans for 2019, and if things continue to go the way it always was then, it’s better for you to understand the drug policy!


You are probably aware of the fact that Medicare supplement or Medigap simply benefits you in a manner through which the original Medicare can’t seem to. It does not pay for your drug prescription rather it covers the few extra costs that one has to pay in order to stay alive and healthy.

So, basically Medigap is better than original Medicare provided you are able to afford it.

Medigap Part D

The Medigap plans for 2019 doesn’t cover your drug coverage. So what must you do? Well you could always apply for enrollment in the Medicare part D program which will cover all your drug and prescription charges.

The part D program is created for this very purpose. It is vital to point out that in Medicare advantage program, your drug cost is completely covered. But in Medigap it isn’t. The part D program can help you in keeping your original policy as well as include the drug coverage in it.

Criteria for Enrollment

Although the enrollment process is void of any conditions but It is still better to consult with your respective doctors or physicians to be aware of the newly made changes. It is said that there is a specific lapse of time during which a person can enroll for the drug coverage program without paying more.

Why Medigap?

Choosing Cigna Medicare Supplement is not a bad choice. Some however regret it while some remain happy with it. Although we cannot make this decision for you, we’d still like to offer a suggestion. Before choosing any health care program, consult with your doctor, ask about your condition and research thoroughly. Medigap is not Medicare advantage but it comes with its own ease and comfort. Also, as the health policies increase in alphabets, they happen to do the same in numbers. However, it is still best to make a choice based on your health conditions.

How To Get The Drug Coverage?

The best way to attain the drug coverage is to apply for the Medigap policy and enroll into the part D program. The policy you chose remains the same and your drug coverage problem is solved by getting enrollment into the Part D program. Part D program solely consists of drugs, prescriptions and coverage. As mentioned before, have a talk with your respective physician or doctor and he/she will guide you through the method.

Late Enrollment

If by any chance, you missed the enrollment period for part D program then you can always apply for the late enrollment option. It will take you through the same procedure along with the amount of things or checkups you have to go through. The difference will be that you will pay more than the amount usually paid when the program is introduced. However, it’s better to be late than sorry so choose wisely!

Guidelines For Selecting Or Changing Medicare Supplemental Insurance Plans

Life can throw us lemon when it comes to health care and we can actually change the lemon to lemonade when we have the right health care insurance. For many years, we have seen the introduction of hundreds of insurance policies that are geared to give us access to hospital and doctors.  The Medicare Supplement Plans come in different packages that will help everyone meet their health goals.

Most times, we are stuck by the health care policy that will help us live a better life without spending a lot of money. Spending less when it comes to medical insurance is the priority of everyone. However, we may not be able to make it happen without the right plan.  This is the reason why Medigap plan comes in various packages to allow you make your choice The Part A and B medical plan from the Medicare program do not cover every aspect of our health needs.

The core benefits of the Medigap plans have been designed to bridge the lapses from the Part A and B medical packages.  There are plans that concentrate on the major health benefits while some deal with deductibles that happen monthly or yearly.

Find best rates

There are 12 Medigap plans available in the United States of America, but  it is not each of these plans that are available nationwide. However, the fact that some of these providers are ready to offer you all the plans does not mean that they would do that.  This is what makes the selection very complex for the average person.  Maybe,  you are thinking of the right plan to use, the first thing that you need to is to make your homework.  The companies may be similar in their functionalities but you have to look out for the options that will suit you best.

The standardized plans often come with varied prices according to cost set by the companies.  Take for instance, the senior citizens who are in dire need of a health care premium.  The government has gone a long way to ensure that everyone is able to get an affordable premium.  The solutions to health care have been made easier with the number of packages that have been made available for us.

Medigap plans have bridge the gap that  Medicare was unable to meet with its Part A and Part B medical insurance.  The package that you get when you are insured include coverage for emergencies that may occur even if you are not in the United States of America, specialized therapeutic care and cost of hospital stays that are extended.

Before you can think of getting a plan, there are things you should look out for when it comes to the coverage options and the rules governing the policies of the health care.  For those who are employed, and have a group health plan, they may have a little change with the Medicare options.

For those who are advanced in age, who are not covered by PPO or HMO health plan during the beginning of an enrollment period, there is something they need to do. They are advised to enroll in the Medical Part B and D that will cover certain prescriptions and medical insurance.  Automatically, many people get enrolled in the Part A immediately they are eligible to receive social security.

However, for those who are covered by any health plan at their place of work, a special program or trade union, they are expected not to go for the Medigap plans until they speak with their insurance administrator.  The administrator will be able to direct you on the best option to choose the right plan.


Guaranteed Issues On Medicare Supplemental Plans

There are circumstances that can afford you with guaranteed issue rights in regards to securing Medicare Supplement Coverage. While trying to secure Medicare Supplement Coverage, some situations hand out assured issue rights. No need to be afraid of health questions being thrown at you while applying for any Medicare Supplement Plan 2019.

This right is given to you only when you are at the level of the Open Enrollment Period and at that point is when you are first eligible for Medicare. In some instances the plan stops to give coverage where you are or you move past where your plan’s coverage stops, also, if you are on a group retiree health plan  and coverage is stopped and if you currently are enrolled in a Medicare Advantage Plan and it is your first time in an MA Plan and you choose to return to original Medicare. As long as you were in the MA Plan for less than a year.

These are a few examples:

There are some benefits of deciding to choose original Medicare with a Medicare Supplement Policy. Despite having an already existing health condition, you could be luck enough to get a Medicare Supplement.


The Second

One may be moved to change one’s plan while being under a Medicare Supplement Insurance plan, but it is advisable to remain in your current plan so far as it is satisfying you and its coverage meeting your expectations.


If you are unhappy with your coverage or costs, however, you may be thinking about switching to a new Medigap policy. Once you are dissatisfied with either the coverage or the cost of your plan, you may then start to think of switching to a new plan. Reasons one may want to switch are as follows:-

  • Paying for benefits that would probably not be beneficial to you or which you don’t need.
  • When you feel like you extra benefits than when you first obtained your policy.
  • When you feel your insurance company is not rendering the kind of service. This point you are dissatisfied with your insurance company.
  • When you feel your out-of-pocket cost is so much.
  • Switching to Medigap policy when you are ripe for a guaranteed issue right can be caused by the following reasons:
  • When your insurance company is liquidating or going out of coverage and you are loosing your coverage.
  • When you cancel your policy due to fraud committed by the company.
  • You are canceling your policy because the company misled you.
  • Canceling your policy because of deceit from the company.


When you have answered these questions, it will be easier to make your choice. You should know that every company comes with their varying price depending on some factors that will bother around your lifestyle, career, history of medicals, where you live and age. These are what you should be aware before making your choice. Sometimes, it is not the most expensive plan that will cover your health care needs.

What Is Included In Most Medicare Supplement Plans?

The Medicare Supplement Plans for 2019 have been boosted to provide clients with maximum assurance as well as support for their medical expenses and possible medical emergencies.

The following aspects of the most popular plans are what make their updated versions excellent choices for customers.

  1. Plan F

There are no two ways about this plan because it offers 100% coverage. And this coverage rate is not expected to change through the year 2019 as stated by Medicare itself.

With regards to Medicare Supplement Plans for 2019, full coverage means:

  • Almost full escape from payment of supplemental medical costs which are not covered by Medicare basic plans. The exceptions include newfound emergency costs, unexpected extreme medicinal expenses etc.
  • Visiting the doctor free of charge and getting all service coverage that is offered already in plan A and B.
  • Covers up to 80% of your interstate travel in the United States. This means that if a medical emergency requires you to fly across the mainland to a different state for better/specialized medical treatment, then the plan will ensure you get to do so with sufficient accommodation.
  • Extra blood usage (up to 3 pints) which is separate from the ones detailed in the basic plans.
  • Safe from any extra deductibles dictated, including part B which is not isolated in any other plan except F and C.
  • Certified skilled nursing from any of the medical care institutions dictated in the insurance policy of the provider you obtained the plan from. Regardless of emergencies or in cases of admittance, the care will always be free of charge.

More info on plan F go here

  1. Plan G

The most favored plan in the list of Medicare Supplement plans for 2019, plan G has earned the top spot almost alongside the full supporting plan F. Its major tenets include:

  • Coverage of all supplemental articles under the state which are classified as “medically necessary”. This can, however, be a little inconvenient because interstate laws vary from each other, so it might be a good idea to check the general laws before purchasing this plan.
  • Takes care of plan B’s excess charges, but does not cover the deductibles as is done by plan F. This, in turn, keeps the premium cost for this plan relatively lower.
  • Gives you the immunity to discard any other supplemental plan that you have because it does not operate when two plans offer the same coverage degree.