Medicare Advantage Plans, Medicare Supplement Insurance And Open Enrollment

If you have Medicare Supplemental Insurance, you probably remember that magic open enrollment period when you could apply for a Medigap plan without answering any questions about your health. No matter what health problems you may have had, you didn’t have to worry about your application being denied or even being charged higher than normal rates. Well, another one of those special open enrollment periods is now here

If your situation has changed, your premiums have gone up or you just want to be sure you have the best coverage you can get, now is the time to see what Medicare Advantage plans can do for you. From November 15 through December 31, you can switch your Medigap insurance for one of the Medicare Advantage plans available in your area.

Like Medicare Supplement insurance, Medicare Advantage plans are provided by private insurers. Here’s a secret - Medicare Advantage plans may have no premium unless you add Part D prescription coverage. Want to find out more?

At MediGap Advisors, we specialize in helping people just like you unravel the complexity of Medicare so they can get the right protection to fit their needs and their budget. We offer lots of information to help you see what your best choices are at our website - www.MediGapAdvisors.com, but that’s not all! You can also call us at 866 323-1441 to arrange to speak with one of our expert advisors for free. Get the answers to your questions, help comparing your situation to the plans available and a professional opinion on how you can get the best Medicare supplement at the lowest price. Could it be any easier? Just remember you only have a few weeks to make the change so call us today!

Medicare Advantage Plans Can Help You Get More From Medicare

There’s a big difference between Medicare Advantage plans and Medicare Supplement plans, and now is the perfect time to see whether you could get more for your money by switching to a Medicare Advantage plan. Open enrollment lasts from November 15 through December 31, but that doesn’t mean you have time to spare. Medicare Advantage plans are available from a variety of insurers so you’ll want to take the time to get a good idea of all the options available to you.

Unlike Medigap insurance, Medicare Advantage plans replace Original Medicare rather than supplement it. If you join one of these plans, you’ll receive your Original Medicare coverage through private insurers, which typically offer additional benefits over Original Medicare. Medicare Advantage plans may have no premiums unless you add Part D prescription coverage.

To join a Medicare Advantage plan, you must have Medicare Part A and Part B. That means you will have to pay your monthly Medicare Part B premium to Medicare, but remember you won’t have a monthly premium for your Medigap plan after you switch.

As the nation’s leading online specialist in how to get the most from Medicare, we are MediGap Advisors. You can visit us online at www.MediGapAdvisors.com or call our friendly receptionist at 866 323-1441. There’s never a charge for our confidential consultation to help you get the answers you need and the health care you deserve.

Medicare Supplement Insurance Helps When You’re Under 65

Medicare has a lot of out-of-pocket costs, but you may have other options to pay for medical bills that are not covered by Medicare. Medicare Advantage plans and Medicare supplement plans are available in most states to help when you’re under 65 and eligible for Medicare.

If you’ve looked into your Medicare coverage, you’ve seen that it leaves you to pay for co-insurance, co-pay and deductible charges. Should you need hospital care, Medicare has a whopping big deductible of over $1,000. That deductible isn’t an annual expense either.

It’s tied to benefit periods that extend for 60 days after you no longer need inpatient care at a hospital or skilled nursing facility. Since that’s just a couple of months, you could need additional hospital care again in a few months. If you do, that would mean you’d enter another benefit period and have to come up with another $1,000+ deductible.

Fortunately, if you have Medicare and you are under 65, most states offer at least one type of Medicare supplement insurance to cover medical bills that Medicare doesn’t pay. In certain areas, Medicare Advantage plans help, too, and may cost you little or nothing at all for the extra protection.

An annual open enrollment period for Medicare Advantage plans starts on November 15th, but only lasts through January 1. So anyone interested in one of these plans should contact us asap, as we are always *extremely* busy this time of year.

Just visit us online at www.MediGapAdvisors.com or call us today at 866 323-1441 to see how we can save you money.