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Don’t Overpay For Your Medigap Plan!

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Choosing A Medicare Supplement

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Most seniors are on a fixed budget and don’t want or need the out of pocket surprises, or sudden change of doctors and hospitals, that can happen with HMOs and PPOs.

In order to get the right plan, and the best price for that plan, here are some things that seniors should know when making choices:

 Medicare Supplement (Medigap) plans can be used at any provider that accepts Medicare patients. Seniors using a Medigap plan have the freedom to chose any doctor or hospital that accepts Medicare patients—they are not restricted to a network.

 Medicare Supplement plans can be shopped—and changed—any time of year. They are not restricted to yearly enrollment/disenrollment periods like Medicare Advantage plans and Part D drug plans.

 Medicare Supplement plans are standardized (different insurance companies must offer the same exact Plan F, Plan G, etc.), but different insurance companies can charge different prices for the same exact plan.

The greatest value we can share with you is our knowledge. If you have any questions regarding Medicare Supplement insurance, please don’t hesitate to contact us.

Become a Medicare Supplement expert in just minutes using our online screen sharing with a licensed agent. Call us today!


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Plan F not available to those new to Medicare in 2020

The Medicare Access and CHIP Reauthorization Act of 2015 (MACRA) included changes to Medigap plans that will effect “newly eligible” Medicare beneficiaries, starting in 2020.

“Newly eligible” is defined as anyone who is turning 65 on or after January 1, 2020 or anyone who is eligible for Medicare benefits due to age or disability as defined by the Centers for Medicare and Medicaid Services (CMS) on or after January 1, 2020.

As of January 1, 2020 MACRA prohibits sales of Medicare Supplement Plans C and F to those “newly eligible” for Medicare.

Interestingly though, the insurance companies seemed to have worked things out with Congress so that those folks whom currently have plans C and F can keep them and continue to buy (overpay) for them in the future.

The law makes Plans D and G the new guaranteed issue plans for those who are “newly eligible” within the guaranteed acceptance rules for Medicare Supplement plans.

The law also mandates that a Social Security Number can no longer be used as an identifier. This part of the law has already gone into effect and all current eligibles should have already received their new Medicare ID card with the new Medicare identifiers.

A More Reasoned Explanation of the 2019 Trustees Report


Often, the release of the annual Trustees Report leads to lamentations from many observers that “Congress has no plan to address Social Security’s projected shortfall.” That is incorrect. Read all about it here.