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 Medigap 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.

  • 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?

 

 

About Your Medicare Supplement Rates…

 

Medicare supplement 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 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 the 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 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 meansmedicare supplement plans they’re not allowed to enroll in the plan.

Turning 65? New to Medicare?

So if you’re new to Medicare are not affected by this,  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 keep 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?

Watch the video below to learn more about the best Medicare supplement plans for 2021 and why it’s important to look at other plans if you have a Plan F!

 

 

The Most Popular Medigap Plans for 2021

 

So as I stated in the video above, 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 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

 

Medicare supplement plans comparison chart 2021

 

Medicare Supplement Plan G in 2021

 

Medigap Plan G will by far be the most popular Medicare supplement plan for 2021. It’s got 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!

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. 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!

Also be sure to check out Accendo Medicare supplement Plan G and ask us if they’re available in your area this year. They offer a huge 14% household discount!

 

We can help! It’s FREE!

medicare supplement plans

 

Medicare Supplement Plan N for 2021

 

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.

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 are 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

How to change Medicare Supplement Plans the Easiest Way Possible:

 

  • 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 Open Enrollment 2021

 

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 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.

The most popular companies for Medicare Advantage plans in 2021 will be:

 

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

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

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.

 

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.  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.

 

 

Plans offered 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
  • 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 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.

 

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.

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!

 

Cigna Medicare Supplement:

 

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

 

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 at the top of the page!

medicare supplement plans

 

 

 

 

 

Medicare Supplement Plans

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