Tag Archives: United Healthcare medigap

How To Select A Medigap Plan

Calendly Topic:  “How To Select a Medigap Plan”

Learn how to make a smart decision when it comes time to sign up for Medicare Supplement Insurance i.e. the best practices of How To Select A Medigap Plan.  We are an independent Agency , authorized to offer AARP branded United Healthcare, Blue Shield of California, Anthem Blue Cross, HealthNet and more.

Learn the nuances between these programs before you make this important decision. 

Our free consult sessions book up quickly so call (408) 252-7300 or schedule today!

“Disclosure: these plans will compensate us but this adds no extra cost to your policy. And the best news is, you won’t have to pay us for our services.”

How To Select A Medigap

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If our calendar is full, phone us at (408) 252-7300 and request special handling.

My Medicare Supplement Is Getting More Expensive

I finally understand why my Medicare Supplement is getting more expensive.  In the beginning (age 65), most California plans are under $150 per month.  Yet, if you do not take action, it will continue to increase and your smiles will turn to frowns as you get older.

A Common Example

My 85 year-old mother switched Medicare Supplement (medigap) insurance companies and saved $75 per month for the same plan!  So, why is my Medicare Supplement getting more expensive?  In my opinion, the three biggest culprits are below:

3 Biggest Reasons Your  Medicare Supplement is getting more expensive

  1. You purchased a medigap plan that is based on an “Attained Age” pricing methodology, rather than a community rated model.  Therefore, rates go up as you get older.
  2. Medicare (CMS) annually increases Medicare Part A and Part B deductibles, coinsurance, and copayments.  The annual increased copayment responsibility is passed through to your Medicare Supplement (medigap) plan, which of course adjusts rates to offset the higher costs.
  3. General medical inflation.

Excerpt from Medicare’s (CMS) “Guide To Choosing A Medigap Policy”

Medigap Basics- Medigap Pricing Methodology- p 18

Are Medicare Supplements Really All The Same?

Many Medicare Supplement (medigap) plans are excellent, but they are not all the same.  So if

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your Medicare Supplement is getting more expensive, research if your policy was filed with the State of California as Attained Age or Community Rated, as depicted above.  Rather than do all the research yourself, find a trusted local independent agent who represents many plans.  Let the agent do the work, because it costs you nothing.

 

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San Jose, California

In California, premiums are the same whether you buy directly from a company or with an agent’s help.  And, thanks to the California birthday rule, it is easy to change Medicare Supplement (medigap) insurance companies during your birthday month, each year.  Note: This is a California rule, and is not available in all states.

Don’t Pay too much, request your free insurance agent consultation below, or Phone (408) 252-7300: