Medicare Supplement Plans 2021

 

Well, 2021 came up fast!

Russell Noga

And what a crazy year 2020 has been. But here we are, now looking at what’s happening with Medicare supplement plans for 2021.

And, as I always suggest every year, we look at the plan coverage and see if any changes are taking place. But we also need to check your premiums for you to make sure you’re not overpaying!

No matter what questions you have about Medicare and Medigap insurance for 2021, your answers are below in the article and videos.

In this article, i’ll explain everything you need to know about Medicare insurance for 2021.

  • What are the big changes for 2021?
  • Which Medigap Plans are best?
  • How do I save the most money in 2021?
  • Which company should I choose?
  • What about prescription drug plans for 2021?

 

Click below to learn more!

 

 

The Best Medicare Supplement Plans for 2021

 

So what are the best choices for Medicare supplements in 2021?

Well, while things haven’t changed in terms of the benefits of these plans for 2021, the changes in 2020 are still affecting thousands of people out there who still have Medigap plan F.

That’s because on January 1st of 2020 Medicare removed plan F for all new beneficiaries coming on Medicare.  This simply means they’re not allowed to enroll in the plan.

 

Turning 65?  New to Medicare?

So if you’re new to Medicare while you can’t enroll in Plan F, there are still great options for you (if not better) if you’re turning 65 or retiring and just coming onto Medicare.

For you folks out there who still have a Plan F, you obviously know you were able to medicare supplement planskeep your plan F after January 1 of 2020. 

And with that 100% coverage of all the gaps in Medicare and no medical bills, I can see why it was tempting to keep!

The point I’m trying to make is with plan F, yes it’s great coverage.

But how much extra are you paying for the little bit of a benefit you’re getting over a plan like Medicare plan G?

 

 

2021 Medicare Supplement Plans

 

By far the most popular Medigap plans for 2021 will be plan G, plan N, and then plan F.

Nothing pleases me more than when someone calls up after having seen my videos, and I find out I can save them $20, $30 or even  $50 or more per month on the same coverage they’re getting now just by changing them to another company!

This is the reason we’ve been in business for so long and have helped over 10,000 people with their Medicare insurance coverage.

And I’m hoping you and I have a call just like that because it’s fantastic!

Below is a Medicare supplement plans comparison chart for 2021 that gives an outline of the differences in the coverage per plan.

However, below that I go into more detail for each plan say you know exactly which are getting.

So keep reading!

 

Medicare Supplement Plans Comparison Chart 2021

 

 

 

Best Medicare Supplement Plans

 

For years Medicare Supplement plan F was the best Medicare supplement plan. It provided 100% coverage of the gaps in Medicare Part A and B. But it was also the most expensive, which is why they removed it.

While many people who kept Plan F feel like they’re lucky, in reality, they’re likely in for a big shock. In fact, many have already experienced it, in the form of huge rate increases.

The best Medicare supplement plans shown below are ones that are based on providing the most coverage for the lowest premiums, as well as the ones that the majority of people who wish to have Medigap insurance will enroll in.

These plans are:

  •  Medigap Plan G
  • Medigap Plan N
  • Medigap Plan F*

 

Best Medicare Supplement Plans Reviews

 

Medicare Supplement PlansThe majority of our clients have a Plan G, and then many who kept their Plan F, and finally Medigap Plan N.

The best Medicare supplement plans reviews are by far for Plan G and Plan F, simply because they pay most or all of your medical bills.

Remember that Medicare Plan F is no longer offered to people new to Medicare, but Plan G takes its place as the best Medicare supplement plan with the highest reviews.

Plan G just has that one deductible to pay then 100% coverage, but it has lower premiums than Plan F by a lot!

 

Click Below to learn more!

 

Medicare Plan G

 

Medigap Plan G will by far be the most popular Medicare supplement plan for 2021. More people will enroll in Plan G for 2021 than any other Medigap Plan.

It has outstanding coverage for relatively low premiums, and it’s 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!

 

What is Medicare Plan G

 

Prior to Medicare plan G as the most popular Medigap plan, there was Medicare Supplement Plan F.

Plan F was the most comprehensive plan offered by Medicare for years, due to the fact that it provided 100% coverage of the “gaps”, or expenses, in Medicare Part A and B.

This means it paid the annual Part B deductible that you must pay if you have Plan G, but 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 deductible, Plan G pays 100 percent just like Plan F.

 

 

Medicare Plan G Reviews

 

As you can imagine, with such amazing coverage for relatively low premiums Medicare Plan G reviews are fantastic. With only one small deductible to pay and then 100% coverage, who wouldn’t love Plan G?

Compared to Medicare advantage plans, Plan G coverage provides far better benefits and flexibility.

And if you match it up against insurance such as Obamacare or any private insurance plans, there simply is no comparison in terms of cost and value.

 

Medicare Plan G Deductible

 

Again when it comes to Plan G coverage your only out-of-pocket cost aside from your monthly premium, is that you must pay the annual Medicare Part B deductible.

Medicare Part BMany people think this is actually a Medicare Plan G deductible which is incorrect. This is Part B, or doctor’s services deductible.

In other words, prior to Part B paying any of your medical bills, you must first pay a certain amount each year. In 2020 the amount is $198, once-per-year.

After this is met the Part B deductible is paid for the year, then resets each January.

 

Medicare Plan G Cost

 

The most important thing to remember when it comes to any Medigap plan is that each company offers identical coverage, however, they all charge different premiums for the same thing!

For example, the Medigap plan G cost with Aetna might be up to $100 per month cheaper than some other companies. Even many of the top companies could have a difference of up to $30 per month.

At Medisupps.com we don’t let you overpay! And our service is FREE.

We have the ability to check the rates from all the top carriers in minutes and show you the lowest premiums. There’s no reason to pay more than you should for Medigap insurance.

Every company pays its claims the same and on-time. If your doctor accepts regular Medicare they will accept any Medigap company. Don’t let them tell you differently!

Therefore, let us check the rates for you now. You can either call us at 1-888-891-0229 or just fill out the form to the right and get instant quotes online!

 

medicare supplement plans

 

Accendo Medicare Supplement Plan G

 

 

Also be sure to check out Accendo Medicare supplement Plan G and ask us if they’re available in your area this year. Accendo Medicare supplement insurance will be one of the top pics for 2020 and 2021, and they’ve already offered in several areas.

Accendo has the largest household discount given by any insurance company. They offer a huge 14% household discount and you only have to live with someone to qualify. They can be any age!

 

Click below to learn more about Plan G!

 

 

Medicare Plan N

 

Medicare Plan NMedicare supplement plan N in 2021 will be another very popular plan. 

This is because plan N offers fantastic coverage of the gaps in Medicare, and has lower premiums than both plan F and plan G.

Plan N is a great choice for coverage, especially for those coming off a Medicare Advantage plan who might be used to lower premiums.

Medicare Supplement Plan N Reviews

 

Many people enrolled in Medigap Plan N are now enjoying the flexibility of having no network and the ability to go anywhere in the country to doctors and specialists that accept Medicare. Medicare Plan N does not have any Max out-of-pocket coverage expenses by either.

These people love the coverage and Medicare Plan N reviews have been great. Another important thing to note about Plan N is the fact that it has lower rate increase each year than both Plan G and Plan F.

 

We can help! It’s FREE!

 

Medicare Plan N vs G

 

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.

 

Emergency Room Co-pay

Another difference between 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 is an excellent choice for 2021 and beyond!

 

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 experiences the highest rate increases every year.

 

Medicare Supplement Plans

 

Again we highly suggest you let us shop the premiums for you from other companies if you still currently have a Plan F.

Call us today to see how much you can save by switching from Plan F to Plan G. No obligation, just savings!

To get rates give us a call at 1-888-891-0229 or simply use our website by clicking below!

 

Medicare Supplement Plans

When can you change Medicare supplement plans?

 

If you currently have a Medicare supplement plan and you’re wanting to change to save money, you may do this any time during the year.

Most people think they need to wait until the Medicare open enrollment period in October to change. It’s not true!

 

How to Change Medicare Supplement Plans

 

  • Call us today at 1-888-891-0229
  • We’ll need: Company you current have, the plan letter, and how much you’re paying
  • We need 3 minutes of your time to shop the rates
  • We’ll ask you some quick medical questions to see if you qualify for the new company (Don’t worry there are options!)
  • We submit an electronic application to the new company (Takes less than 10 minutes)
  • You do NOT cancel your current coverage until the new coverage is approved
  • You pay nothing until the new policy is approved

It’s that easy! And remember we can change your Medicare supplement plan at any time during the year!

 

We handle any customer service issues for you, so why pay more? Call now to change plans and SAVE!

 

Medicare Supplement Rate Increases…

 

Medigap rates typically change on the anniversary of your policy each year.

And while they don’t necessarily change just because it’s a new year, if you started up your policy on January 1st of any year, then chances are you’re getting a rate increase on the first of the year coming up.

In fact, if you’ve had your Medicare supplement plan for a few years now you know all about these Medicare supplement rate increases very well!

So regardless of when your anniversary is for your Medicare supplement insurance, you should always have an independent agency like us check Medigap rates for you to see if you’re paying too much.

No matter what time of year it is!

Our service is FREE, and our clients love it because for no cost they always have us looking out for them every year.

 

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.

These companies were chosen for a number of reasons, such as:

  • Strong Financial Ratings
  • Highly competitive premiums (Cost Value)
  • History and Stability (Unknown companies don’t last long in this industry!)

Aetna Medicare Supplement Plans 2021

Aetna Medigap

One 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.

Aetna Medicare Supplement Offers:

 

  • Competitive monthly premiums
  • Available in most states
  • a 7% household discount!
  • Easy online electronic application and signature

Accendo Medicare Supplement  

 

Accendo Insurance Company Supplement Plans | Plan Medigap

 

Accendo insurance company is part of the CVS group of companies as well as an affiliate of Aetna.  An Accendo Medicare supplement will be a great option for anyone on Medicare in 2020 and 2021.

They will no doubt be one of the top companies for Medicare supplement plans for many years.

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.

 

 

Accendo Medicare Supplement plans will be:

  • Accendo Medicare supplement Plan F**
  • Accendo Medicare supplement Plan G
  • Accendo Medicare supplement Plan N
  • Accendo Medicare supplement Plan A

**Only people who were enrolled in Medicare on or before January 1st of 2020 may enroll in an Accendo Medicare Plan F

 

Accendo Medicare Supplement Plan G – The Most Popular

 

medicare part gWithout a doubt, the most popular Medicare supplement plan for 2021 and the next few years at least will be Medicare supplement plan G.

And make no mistake, for 2021 ascend no Medicare supplement plan G will absolutely be their top seller.  Especially with their huge offerings of a 14% household discount.

That Medicare plan G offers great coverage with only one small out of pocket expense beyond your monthly premium.  This of course is the annual part B deductible.

For 2020, the deductible is $198 and will go up slightly in 2021 as it does every year.

With plan G, after you pay the part B deductible you get 100% coverage from Medicare and your Medigap plan.

Be sure to ask us and the said no Medicare supplement plan G is available in your state a weak and compare premiums today for you.

 

Accendo Medicare Supplement Plans:

 

  • Incredible 14% household discount
  • Discount works if you just live with someone (Any age)
  • Super easy electronic application and signature
  • An instant approval process for people in an Open Enrollment

Mutual  of Omaha Medicare Supplement Plans 2021

 

mutual of omaha medicare supplement

 

One of the leaders in the industry for Medigap plans is mutual of Omaha.  As always they will continue to be one of the top companies for 2021 have been in the industry for 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.

 

Mutual of Omaha Medicare Supplement Plan F 2019

 

Mutual of Omaha Medicare Supplement:

 

  • Up to a 12% household discount (Varies by state)
  • Easy online electronic application
  • Click above to Apply Yourself!
  • Voice signature
  • A+ Financial rating

Cigna Medicare Supplement Plans 2021

Cigna Medigap

In 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.

 

Cigna Medicare Supplement Reviews

Cigna has been offering Medicare supplement plans for quite some time now, and depending on what state you’re in you might see different companies under the Cigna umbrella. The reviews are very positive for Cigna Medicare supplement plans, but then again considering the plans all work identical to each other regardless of which company offers them you would expect that.

Some companies you might see are:

  • Cigna Health & Life
  • American Retirement Life Insurance Company
  • Loyal American

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. Cigna might be one of your best choices, but let us check for you.

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!

 

Cigna Medicare Supplement:

 

  • Easy electronic online application
  • 7% Household discount
  • Available in many states

Is Supplemental Medicare Insurance a Waste of money

 

Compare Medicare Supplement Plans for 2021Insurance is about minimizing risk. Supplemental Medicare insurance is no different, and people on Medicare all have different budgets and perspectives.

Someone might think a $91 premium per month for a Medicare Plan G is outrageous, while others might call it a dream.

So is Supplemental Medicare insurance a waste of money? Well for someone who never uses their coverage and is perfectly healthy, they  might say “yes”. But someone who is perfectly healthy, then has end up in the hospital the day after saying that will tell you a Medicare Plan G was the greatest decision of their life!

 

My Own Personal Experience

 

After being in business over 10 years and helping over 10,000 people with their Best Medicare Supplement PlanMedicare coverage I can absolutely tell you it’s worth the money. Otherwise I wouldn’t have this agency and wouldn’t still be selling it.

You might say “Well Russell, you make money selling this stuff so yes you’d still be here!” Well, you don’t know me personally (yet!) so that’s understandable though extremely pessimistic.

But i’ll tell you this, if I had that attitude I’d be selling Medicare Advantage plans! They would pay me far more to sell than Medigap insurance. But I don’t.

Because I only sell the very best coverage. The same coverage I have my own Mom on. And 100% YES supplemental Medicare insurance is totally worth it!

 

Medicare Open Enrollment 2021

Medicare open enrollment period

 

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

  • The next Medicare open enrollment in 2021, 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 and a Medigap plan 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
  • Anyone wanting to move off a Medicare supplement plan and enroll in Medicare advantage plan

 

Medicare open enrollment 2021

 

Medicare Plans 2021

 

Most people will not just remain on Medicare Part A and B only. There will be a very large group that enrolls in a Medigap plan in 2021, then other folks who will enroll in a Medicare Advantage plan.

Both have their uses, however there is absolutely no question that Medicare supplement insurance (Medigap) is the superior coverage.

 

 

  • There’s NO Network
  • Visit any doctor, specialist, or hospital that accepts Medicare in the U.S.
  • No referrals needed
  • With Plan G just one small out-of-pocket expense

 

 

 

  • Have networks
  • You need referrals
  • Only have to provide as good of coverage as Part A/B Medicare
  • Have high max out of pocket limits

 

Medicare Advantage Plans 2021

 

Medicare Supplement PlansMedicare 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.

Keep in mind that Medicare advantage plans only have to offer the same coverage as original Medicare which is Part A and Part B. Beyond that, it’s up to them as to what they wish to cover.

While many plans do in fact include prescription drug coverage, that doesn’t mean the coverage is the best for your medications. So while these plans might have their uses, they do have limitations.

Medicare Advantage Plans are offered typically as HMO’s, and PPO’s.

 

 

Medicare Advantage HMO’s

 

Medicare HMO’s, which are health maintenance organizations, offer coverage through what is referred to as a “managed care” plan. This means you have a network of doctors and hospitals that you may use.

 

medicare advantage plan hmo

 

Though HMO’s offer the lowest premiums, they have their limitations. You must get coverage through your network, except for any emergencies. You will have a primary care physician and you’ll need referrals to see any specialist.

 

Medicare Advantage PPO’s

 

PPO stands for Preferred provider organization. This means you can visit health providers within a network that have agreed to see you at the terms of the contract of the plan.

These plans also must only offer as good of coverage as Part A and B Medicare, and can have extremely high maximum out of pocket costs that you would be required to pay should you meet them.

 

medicare advantage plan ppo

 

On PPO’s you have the flexibility of seeing doctor’s outside the network, but at a higher cost. Many do include prescription drug plans built in, however remember you must see if the plan covers your medication.

 

 

Best Medicare Advantage Plans 2021

 

 

While there are many different Medicare advantage plans being offered in 2021, you must find one that has a network in your area.

As well they should cover all the medications that you’re currently taking.

Keep in mind that those TV commercials offering “$0 premium plans” do not mean zero cost. Far from it!

With Medicare advantage plans you still must pay the annual Part B deductible each year, even though you opt-out of Part B.

There are many other co-pays that could up,

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

  • Aetna
  • United Healthcare
  • Humana
  • Anthem/ Blue Cross Blue Shield
  • Premera
  • Cigna

There are far too many Medicare advantage companies to list and they vary by region.

 

medicare supplement plans

 

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 100%  coverage from day 1 for certain generic drugs.

Here’s the #1 thing to remember when trying to choose a Part D drug plan…

NEVER choose one without having someone, or yourself, first enter your drugs into Medicare’s drug plan finder tool!

Now, if you only take a few generics and are relatively healthy you can let this slide a little. You should still check though.

But if you take more than a few, including name brand drugs then you must enter them!

Why?

Because there’s around 30 drug plans or more in each state, each with it’s own Formulary. A formulary is a list of medications they cover,medicare plans: MA vs Medigap and on what level.

If you just sign up for a plan out of this air, how do you know they can get your meds for a good price? How do you know they cover them at all?

The differences between the Part D drug plans is massive, so let us help! We help all our clients find the right drug plan, so you don’t get into trouble.

 

Let us help, it’s FREE!

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 fill out the form to the right!

Medicare Supplement Plans

Medicare Supplement Plans

Rated 5/5 based on 293 reviews