From the beginning we've always offered our clients the ability to enroll in a Medicare Supplement plan over the phone. Back then it was for the client's convenience, but during this pandemic it's for everyone's safety. While it's always nice to meet someone in person, that's not a possibility as we deal with COVID-19. Luckily, this won't impact your ability to enroll in a Medigap plan. With just a short 15 minute phone call, we're able to complete a Medigap application for o

Several years ago, Troy and I decided to turn our focus entirely to the Medicare health insurance market. The shift in focus to Medicare was in response to constant feedback from our clients that Medicare help was an invaluable service in an complicated industry. They felt that we helped them choose the right plan, save money by shopping options, and offered great service after the sale. Fast forward to 2019 and we have nearly a thousand loyal clients. Our clients have given

For years, the "Cadillac" Medicare Supplement plan has been Plan F. It's the most comprehensive plan, completely filling the Medicare gaps. But beginning in January 2020, Plan F will no longer be available to newly-eligible Medicare enrollees. Plan G will be the most comprehensive Medigap plan With the phase out of Plan F, Medigap Plan G becomes the most comprehensive Medicare option. Plan G offers identical benefits to Plan F except it does not cover the Part B deductible. I

Our clients often tell us one of the main perks of retirement is having time to travel. But how does travel impact your Medicare coverage? To get the best idea of how your healthcare coverage will travel with you, we should break down the answer into Medicare coverage and supplemental coverage. Medicare Coverage While Traveling We have good news and bad news. The good news: While traveling within the United States, you can go to any provider that accepts Medicare (which is th

Enrolling in Medicare and securing a Medicare supplement insurance plan is a complicated, but important task. It's best to have a professional agent by your side to help with the process and offer advice based on their experience. Usually enrollment goes smoothly, but when a hangup with the enrollment process happens, a competent agent can make all the difference. Here are 5 questions you can ask a Medicare supplement insurance agent to help you decide if you want to work wit

While Medicare Supplement Plan F and Plan G might be the most popular Medigap plans, Plan N is at least worth exploring. Unlike Plans F and G, Medigap Plan N has co-pays, but many folks find them manageable: $20 for doctor visits and $50 for emergency room visits. Ultimately, whether paying $20 each time you visit the doctor sounds tolerable or not depends on how often you visit the doctor. Setting aside the Plan N co-pays, the aspect of Medigap Plan N that usually draws the

Unlike Medicare Advantage plans and prescription drug plans, you can sign up for a Medigap (also known as Medicare Supplement) plan throughout the year. There is no Annual Enrollment Period for Medigap plans. Unless a special exception applies or you are in your Initial Enrollment Period, however, you'll need to answer a few health questions to pass underwriting. The underwriting requirements vary by insurance company. Our Medicare consultants are familiar with the nuances of

Prospective clients often ask us: can I get a better deal if I purchase my Medigap policy directly from the insurance carrier? The answer is no, but let's explore the larger question of whether it makes sense to use an independent insurance agent instead of working directly with the insurance carrier. Should You Use an Independent Insurance Agent to Purchase Medicare Supplement Insurance? Full disclosure: Medicare Life Group is an independent insurance agency, so you can like

If you plan to retire by age 65 and are enrolled in Medicare Part B, then you have a 6-month Medicare Supplement (Medigap) enrollment period starting on the first day of your birthday month. But what if you plan to continue working after your 65th birthday? Will you be eligible for a Medigap policy once you retire? If You Retire After Age 65 Can You Get a Medicare Supplement Policy? To be clear, you can potentially get a Medigap policy at any age as long as you have Medicare

In most states there are up to ten standardized Medicare Supplement (Medigap) insurance plans. The most popular Medigap plans tend to be Plan F, Plan G, and Plan N. Let's explore Medigap Plan N. What is Medigap Plan N? As with all Medigap plans, Plan N is federally regulated and standardized, which means Plan N is the same regardless of which insurance carrier is offering it. While both Medigap Plan F and Plan G are more comprehensive, Medigap Plan N is a good option for peop

Sorting through all of your Medicare Supplement (Medigap) options can be overwhelming. After all, in some states there are as many as eleven Medigap plans to choose from -- to say nothing of the option to opt of of Medicare altogether and enroll in a Medicare Advantage plan. Luckily, there are four Medigap plans that are far and away more popular than the rest. The Most Popular Medigap Plans The four most popular Medigap plans are Plan F, Plan F high deductible, Plan G, and P

If you're approaching age 65 and looking into Medicare Supplement insurance, trying to wrap your head around all the various plans can be a bit overwhelming. You may have heard that Medigap Plan F is the most comprehensive plan. Then why is Medigap Plan G the most popular? What is Medigap Plan G? In many states, Medigap Plan G is the most popular Medicare Supplement plan. If Medigap Plan F is more comprehensive, why would Plan G be more popular? It comes down to price. Mediga

How much can you expect to pay for a Medigap plan if you live in Ohio? Let's take a look at how much a Medicare Supplement Insurance (Medigap) plan will cost you on a monthly basis. Below is a list of real-life Medigap quotes for a resident of Ohio in 2016.* For a free personalized quote, give us a call or request a quote online. For each of these example quotes, we assume a non-smoker, age 65. These quotes are for residents of Franklin (Columbus), Cuyahoga (Cleveland), and H

As we continue our series looking at the cost of Medigap in different states, today we look at real-life Medicare Supplement Insurance (Medigap) quotes for a resident of Virginia in 2016. These quotes are real-life quotes, however, due to the range of factors that go into each quote, they should only be looked at as ballpark estimates. For a free personalized quote, give us a call or request a quote online. For each of these example quotes, we assume a non-smoker, age 65. Whi

Do you live in the Lonestar State? Today we look at real-life Medicare Supplement Insurance (Medigap) quotes for a resident of Texas in 2016. While the quotes below are actual quotes for Medigap in Texas, due to the range of factors that go into each quote, they should only be looked at as estimates. For a free personalized quote, give us a call or request a quote online. For each of these example quotes, we assume a non-smoker, age 65. We look at quotes for residents of Hous

This post looks at the cost of Medicare Supplement Insurance (Medigap) for a resident of Missouri in 2016. Rates vary depending on a number of factors, including your exact age, which county you live in, which insurance company is offering the policy, among other factors. Therefore, these quotes should only be looked at as ballpark estimates. For a free personalized quote, give us a call or request a quote online. For each of these example quotes, we assume a non-smoker, age

Today we explore the cost of Medicare Supplement Insurance (Medigap) in 2016 for a resident of South Carolina. While these are actual real-life quotes, rates vary depending on your exact age, which county you live in, which insurance company is offering the policy, among other factors. Therefore, you should consider these quotes to be merely estimates. For a free personalized quote, give us a call or request a quote online. For each of these example quotes, we assume a non-sm

Today we explore the cost of Medicare Supplement Insurance (Medigap) for a resident of California in 2016. Rates vary depending on a number of factors, including your exact age, the county you live in, and which insurance company is offering the policy. The quotes below should be considered merely ballpark estimates. For a free personalized quote, give us a call or request a quote online. For each of these example quotes, we assume a non-smoker, age 65, living in Los Angeles

This post will look at the cost of Medicare Supplement Insurance (Medigap) for a resident of Montana in 2016. Rates vary depending on your exact age, which county you live in, which insurance company is offering the policy, among other factors. Therefore, these quotes merely ballpark estimates. For a free personalized quote, give us a call or request a quote online. For each of these example quotes, we assume a non-smoker, age 65, living in Yellowstone and Big Horn counties.

This post will break down the cost of Medicare Supplement Insurance (Medigap) for a resident of Florida in 2016. Rates vary depending on your exact age, which county you live in, which insurance company is offering the policy, among other factors. So with that said, consider these merely ballpark estimates. For a free personalized quote, give us a call or request a quote online. For each of these example quotes, we assume a non-smoker, age 65, living in Miami-Dade County. Med