How To Get a Medicare Supplement Quote

To enroll in Medigap Supplement insurance for Medicare you must first have an idea of when your Medicare Part A and Medicare Part B coverage begins. Once you have this information it's likely you will be looking for a Medicare Supplement Quote.

When did you turn 65 and enroll in Medicare Part B?

You can enroll in a Medicare Supplement during your Open Enrollment period without answering any medical questions - policy guaranteed.   Your Open Enrollment period begins on the first day of the month in which you both turn 65 and enroll in Medicare Part A and Part B and lasts for six months.  During this period any insurance company cannot use medical underwriting and cannot refuse to sell you a Medicare Supplement policy due to pre-existing health conditions.   They also cannot charge you more if you are in bad health.  

If you have missed your Open Enrollment period understand that you can still apply for a Medicare Supplement at anytime however you will be subject to medical underwriting.

Which Plan Letter would you like a Medicare Supplement Quote for?

There are currently 10 Medicare Supplement plans, but they might not all be available in your state or region.  In order to compare premiums and get the best rate you need to know which plan would best work for you and your financial situation.  All plans include a basic set of benefits that include your first three pints of blood, Part A coinsurance plus an additional 365 days of hospitalization after Medicare benefits run out. Part B coinsurance is also 20% of Medicare approved costs.

The expenses Medicare leaves behind and where Medicare Supplements come into play are:

    *  Part A deductible of $1100
    *  Part B deductible of $155 (2010)
    *  Part B excess charges
    *  Skilled Nursing Facility coinsurance

Medigap Plans

Plan A covers just the basic group of benefits, while Plan F covers all the benefits as well as the additional benefits listed above.  In June of 2010 two new plans called Plan M and Plan N were created and have additional cost sharing to help keep the premium low.

Plan F

    * Covers 100% of the gaps in Medicare Part A & Part B
    * NO Deductibles, NO Co-pays, and NO Coinsurance

Plan G

    * Almost identical to Plan F, except you must pay the $155 Part B annual deductible (Per Calendar Year)
    * After deductible it pays 100% of the gaps in Medicare
    * NO Co-pays, NO Coinsurance

 Plan N

    * Has a co-pay of $20 for office visits
    * $50 for emergency room visits

Plan C

    * Covers Part A deductible & Part B deductible
    * Covers Skilled Nursing Facility coinsurance
    * Covers 100% of the gaps in Medicare except Part B excess charges

Which Company is best?

Companies that offer Medigap insurance are required to offer standardized plans, which means regardless of plan letter it doesn't matter if it's an AARP Medicare supplement or a Mutual of Omaha Medicare Supplement, the must be the same coverage within each plan letter.

They can however, vary widley in the premiums they charge each year. Therefore it's extremely important to shop around to find the best rate for the very best coverage each year. At Medisupps.com we do that for you, so you can rest easy knowing your're not overpaying on your Medigap Coverage.

Whether you're new to Medicare or just shopping for a better rate, it's easy to receive a Medicare Supplement Quote from Medisupps.com.

Call Today for a FREE, No-Obligation Quote!

Or Click Below To Get An Online Quote Instantly!