Medicare Supplement Plans 2021

 

The benefits of Medicare Supplement plans in 2021 will not be changing, but are you paying too much and are you on the right plan? Don’t ever assume that you’re monthly premium is the lowest, or that you’re stuck with your current plan and company. We can easily see in just minutes if there’s a better option for you to save money.

Now is the time to start planning for 2021. While premiums do not change simply because it’s a new calendar year, you must check your premiums frequently to see if you’re paying too much. We do this for FREE for all our clients!

That means looking at coverage and cost on each plan. Remember that each plan is different and that every company that sells the plans is selling them at their own set prices. You have to compare and contrast in order to save money, and you can’t do that if you aren’t taking the time to really get into the plans and examine them.

As in the past Medigap Plans in 2021 do not include prescription Part D drug coverage. That can be easily found at www.Medicare.gov.

If you have been a Medicare subscriber for a while, then you know that your coverage needs change over time. As you grow older, you need different things out of your coverage plan. You may need more or less coverage as your health goes up and down. You should adjust your plan accordingly, sometimes finding a new plan altogether.

Start now. You have time for your health to go through some changes between now and then, and it very well may do just that. You should expect to need different coverage in a few years than what you need right now. So if you can’t use supplemental coverage from Medigap plans right now, maybe you can use one of the Medicare Supplement plans in 2021.

 

 

Get Quotes Now for Medigap Plans 2021

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Medicare Supplement plans 2021 can cover such expenses as nursing care and hospice care, and they even cover most deductibles and co-payments. You can also find coverage for pints of blood, excess charges, and even foreign emergency healthcare services, in some instances. The different plans basically pick and choose which of these coverage items they are going to provide, and you choose the plan that lines up with your needs most closely.

There will be a lot of effort involved on your part, and it will take some time to sort through the various plans to find the right one. But once it is all said and done, it will be worth it to you. You can have a plan that reduces the total amount you pay for medical care and that covers you for most of your major medical expenses.

 

Best Medicare Supplement Plans – 2021

The Medigap plans for 2021 will provide excellent coverage, but you must shop the rates to be sure to not overpay.

You’ll have to really get to know them first if you are going to benefit from them. You don’t want to be like the Medicare subscribers who blindly sign up for a supplemental plan and just hope for the best and end up paying $30, $40, or even $50 MORE per month than they should! Instead, you need to know what you are getting into and know which plan is going to offer exactly what you need.

 

We can help! It’s FREE!

 

 

Medicare supplement plans 2020

 

 

Medicare Supplement Plans Comparison Chart 2021

Medicare supplement plans comparison chart 2021

 

Medicare Supplement Plan F for 2021

 

medicare supplement plan fMany agents in the past used to tell people to simply sign up for Plan F. After all, it does offer the most coverage out of all the Medicare Supplement plans. But signing up for Plan F without first learning the details could end up costing you quite a bit in the long run. 

~ The only people who may enroll in a Medicare supplement plan F are those who were already enrolled in Medicare part A and B prior to January 1st of 2020. 

 

That is because the government has eliminated the plan for all new members beyond that date.

Plan F does cover 100% of the gaps in Medicare and will continue to do sell in 2021, however it is not only the highest cost plan but also experience is the highest rate increases every year.  Again we do not recommend that anybody enroll in plan F unless you must because you have a guaranteed issue situation.  Will be rare cases and likely not you, but call us to find out what your options are.

 

Medicare Supplement Plan G in 2021

 

Medicare Supplement Plan G 2019Medigap Plan G is almost identical to Plan F except for one small difference. On Plan G you pay the annual Part B deductible yourself each year, rather than having Plan F pay it for you. That’s it! There are no other differences between those two plans, other than the cost. For 2020 the Part B deductible amount is $198, once per year. After you pay this Plan G pays 100 percent just like Plan F. Therefore, let us check the rates of your current Plan F against Plan G, or simply use our quoting engine at the top of this page. If the difference in premiums is more than the Part B annual deductible, you are WASTING money! Plan G or Plan N is a far better choice and we can help save you money, often a LOT of money by switching!

 

Medicare Supplement Plan N in 2021

 

cigna medicare supplement rate increasesMedicare supplement plan N in 2021 will have absolutely be of the most popular plans.  This is because plan N offers outstanding coverage of the gaps in Medicare and has lower premiums than both plan F and plan G.  Plan N is a fantastic choice for coverage, especially for those coming off a Medicare advantage plan who might be used to lower premiums.  These people can now enjoy the flexibility of having no network and go anywhere in the country to doctors and specialists that accept Medicare.  Plan N does not have any Max out-of-pocket coverage expenses by either.

The difference between plan N and plan G is that after you meet your part B deductible on plan N, you might have a small co-pay of up to $20.00 per doctor’s Visit.  This co-pay is not guaranteed and in actually might be less than 20 or in fact none at all.  Simply means depending on what your doctor Is coding your visit as.  Another difference with plan N over plan G is that if you visit the emergency room you might have a co-pay of up to $50.00 if you are not admitted.

Also with Medicare plan N, it does not cover what is called part B excess charges.  These are not common and you would only get charged them if you visit doctors that do not accept the assigned rates of Medicare.  It’s estimated that over 95% of doctors in the United States accept the assigned rates so with highly unlikely this is something you will never have to worry about.  Medicare supplement plan N in 2021 is an excellent choice. To get rates give us a call at 1-888-891-0229 or simply use our website by entering your zip code at the top of this page.

 

 

Medicare Open Enrollment Period 2021

 

Below are the important dates for Medicare open enrollment periods coming up.

  • The next open enrollment period, entitled the Annual Election period (AEP)  begins on October 15th of 2020, and runs through December 7th of 2020. All changes made during this time on Medicare advantage and Part D drug plans will go into effect on January 1st of 2021.
  • A Medicare Advantage enrollment period for people returning back to original Medicare begins on January 1st and runs through March 31st.
  • Anyone needing to enroll in Part A and B Medicare who is not just turning 65 but missed their original date, may enroll between January 1st – March 31st.

2021 Annual Election Period

From October 15, 2020 through December 7th of 2020, the following changes may be made:

  • You may leave your Medicare advantage plan and return to original Medicare Parts A and B, and enroll in a Medigap and Part D drug plan
  • Anyone may leave original Medicare and enroll in a Medicare Advantage plan
  • You can change your Part D drug plan to another one, or drop Part D all together
  • You can change from one Medigap plan to another (This can be done anytime during the year!)

Medicare Advantage Plans 2021

Medicare Advantage plans offer different coverage than Medicare supplements. You must stay in a network, typically in an HMO or PPO managed care plan. People on these plans often experience large co-pays and have out-of-pocket maximums of several thousand dollars. If you are interested in a Medicare Advantage plan for 2021 then give us a call at 1-877-517-4661.

Medicare Advantage Companies for 2021

Some of the top companies for Medicare Advantage Plans in 2021 are listed below:

  • Aetna
  • AARP Medicare Complete
  • Humana
  • BCBS
  • Premera
  • Cigna

Medicare Part D Plans 2021

Medicare Part D plans 2021Another thing to consider is a Medicare Part D plans in 2021. If you enroll in a Medicare supplement plan you will need to enroll in a drug plan separately, which many Medicare Advantage plans do offer prescription drug coverage built into the plan. Many Part D drug plans in 2021 will have deductibles which typically apply for brand name drugs mostly. In the most recent years several plans have offered coverage from day 1 for certain generic drugs.

 

 

 

The Top Medicare Supplement Companies for 2021

 

We often get asked “What are the top Medicare supplement companies for 2021?”  While the important thing to realize is that every Medicare supplement plan and it’s benefits are the same regardless of which carrier offers it.  Adding to that, each carrier charges different rates for the exact same thing.  So it can be as simple as saying that the best company is the one offering the lowest premiums with the best benefits.  This is mostly true, however we can be a little deeper into the details decide which companies are best.

That being said some companies have consistently remained the best each year offering the lowest premiums with of course great coverage.  Below is a list of the most popular companies that will be offering Medicare supplement plans for 2021.


Aetna Medicare Supplement Plans 2021

 

Aetna MedigapOne of the best in all those companies offering plans for 2021 is Aetna.  For over 10 years they’ve been offering Medicare supplement plans, and they are owned by CVS having been purchased back in 2019.  CVS also has a new company which you will see below.  Aetna offers great online benefits where members can start of the accounts for free and tracking everything from ID cards to coverage as well as claims. For  years they have offered competitive premiums and household discounts, so be sure to let us show you the rates for Aetna Medicare plans in 2021.

 

 


Accendo Medicare supplement plans 2021

 

Accendo Insurance Company Supplement Plans | Plan MedigapAccendo insurance company is part of the CVS group of companies as well as an affiliate of Aetna.  Their Medicare supplement plans were released in 2020 in several states and they will no doubt be one of the top companies for Medicare supplement plans in 2021. Adding to their popularity is the fact that Accendo offers a whopping 14% household discount on premiums in the states they are in.  This is higher than any other company offering Medicare supplement plans and their competitive premiums on with this discount will make them one of the most popular companies for 2021.

 


Mutual  of Omaha Medicare Supplement Plans 2021

Mutual of Omaha MedigapOne of the leaders in the industry for Medigap plan is mutual of Omaha.  As always they will continue to be one of the top companies for 2021 have been in the industry almost as long as anyone.  Their experience in the Medicare market is second-to-none, as is their customer service.

 

Mutual of Omaha offers coverage under the company flagship name as well as many other subsidiaries.  These names include things like United of Omaha, Omaha insurance company, and United World.  Keep in mind they are just simply all the same company under the parent company of Mutual of Omaha.

Mutual has enjoyed an A+ rating with A.M Best and their reviews are excellent.  They also offer an online portal for a complete user experience for the client making things like billing or changes to their personal account very easy.

 


Cigna Medicare Supplement Plans 2021

 

Cigna MedigapIn 1982 Cigna has been on the cutting edge of various Insurance Products.  Their premiums are always competitive in just about every state and they should be an excellent choice for Medicare supplement plans in 2021.  Their customer service in outstanding and they have a A-rating with AM best.  Their website is called MyCigna and has many benefits to their members that they can view online.  Cigna should have outstanding and very competitive premiums on Medicare supplement rates for 2021.

Medicare Supplement Plans in 2021 might not be changing, but you still must check the rates for 2021 to see if you can save money. We make it easy! Just give us a call at 888-891-0229 and in only a few minutes we’ll see how much money you can save!

 


 

Whether you are just turning 65, or currently have a Medigap or Medicare Advantage plan, we have the best options for you. Changing plans is incredibly easy and we make the application process easy! And with our annual rate review you’ll never be paying more than you should for your Plans. Call us today to get started or enter your zip code below!

 

 

Compare Medicare Supplement Plans for 2021

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Medicare supplement plans 2020

 

Medicare Supplement Plans

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