Garrett Ball - Author at Medigap-Quote.com

Medigap Plan G – Why You Should Consider This Alternative Plan

July 20, 2017 by Garrett Ball 7 Comments

7/1/17 UPDATE: This article states that UnitedHealthcare® does not offer a Medigap Plan G. However, they have recently announced that they will be releasing a United Healthcare Plan G in many states this year (2017). If that is what brought you to our site, contact us here to check if it is offered in your state. Or if it is not, find out what other options are.

Medigap Plan F is certainly the “headliner” among the 10 standardized Medigap plans – it pays everything that Medicare Parts A & B do not cover. However, Plan G can sometimes be a better value and an altogether better option for coverage. There are several distinct advantages to Plan G, which we will detail below. But first, you should know how it differs from Plan F.

Plan F, as mentioned above, is the most comprehensive Medigap plan – it pays for everything that Medicare A & B do not cover at the doctor/hospital. Plan G is exactly like Plan F with one exception – Plan G does not cover the Medicare Part B deductible. For 2017, this deductible is $183/year. This is a deductible that must be met at the doctor’s office. After that deductible is met, the benefits are the same for the rest of the year.

So, what advantages does Plan G have over Plan F:

– Price – Because it does not cover the Medicare Part B deductible, Plan G is always going to be less expensive than Plan F. But it’s less coverage, right? Because it doesn’t cover the Medicare Part B deductible? That’s true, but in almost all cases, the monthly premium disparity is significantly greater than the Medicare Part B deductible. For example, the average difference between the lowest-cost ‘F’ plan and lowest-cost ‘G’ plan, in a survey of 40 states in early 2017, is approximately $25/month. That’s easy math. Save $300/year in exchange for paying out $183/year. In many instances, the savings is even greater (have seen as high as $100/month difference). There are NO other benefit differences between ‘G’ and ‘F’. Click here to get a list of Plan G rates by email for your zip code.

– Rate Stability – This difference is not as straight-forward as the price differences mentioned above. The short of it is that Plan G is more rate-stable historically than Plan F. The reason for this is complex – it is called adverse selection. Essentially, the people on ‘G’ are, on average, healthier than the people on ‘F’. This is because Plan F is required to be offered (by all companies doing Medigap plans) to people in a “guaranteed issue” situation (i.e. losing employer coverage) without medical underwriting. This means, if you have health problems and are losing your employer coverage, you can get ‘F’ but not ‘G’. Over thousands of people, this means that ‘G’ attracts slightly, on average, healthier people. This can certainly have an effect on rates over time. For example, if a company’s Plan F goes up 6%, Plan G may go up 4-5%.

Moreover, Plan F is being eliminated in 2020. When this has happened with other plans in the past, it dramatically impacts rates with rates going up considerably more since there are no “new” 65-year-olds being put on that plan.

So why do so many agents promote, or push, Plan F? Well, first of all, some companies do not offer Plan G. For example, the largest Medigap provider nationwide sells Plan F but NOT Plan G. Secondly, many agents don’t even understand the information above, or if they do, choose not (for selfish reasons) to relay it to consumers.

The savvy consumer would take a Plan F until they had their first doctor visit, for which the plan would pay the Medicare Part B deductible. Then, once the Medigap plan has paid that deductible, they could switch to Medigap Plan G in the middle of the year (there are no enrollment periods for Medigap), and they would essentially have the equivalent of “F” for the rest of the year – for the cost of a Plan G.

The bottom line is that Plan G is both a better “deal” than Plan F and more stable over time historically and in the future.

If you have questions about how this works or want to get Medigap Plan G quotes, please visit our website or call us at 877.506.3378.

Filed Under: Medigap Plans Tagged With: aarp plan g, medigap plan g, plan g quotes, uhc plan g, united healthcare plan g

Understanding Medicare and Medicare Terminology

May 1, 2017 by Garrett Ball Leave a Comment

*This is Part 1 in a 3-part series designed for people going on Medicare or turning 65. Please contact us if you have any questions about this information or fill out a quotes request if you want to get Medigap quotes.*

Understanding Medicare and basic Medicare terminology is crucial to someone who is coming up on a Medicare start date. If you are on Medicare, or going on Medicare, your health care should be very important to you. Because you are on Medicare through either disability or turning 65, it is important to understand how Medicare works, what it covers, and most importantly, to know what you have and don’t have when you have Medicare.

Medicare, if you don’t already know, is the Federal health insurance program for people over age 65 or disabled. There are several parts of Medicare. First of all, Part A covers hospital/inpatient charges. Everyone gets this when they become eligible for Medicare, as long as he or she has worked 10 years and paid into the Medicare system through payroll taxes for this length of time. There is no premium for Part A in almost all cases.

Part B is optional. If you are still working past age 65, you can decline to take it at age 65. It covers doctor visits, outpatient services, labwork etc. There is a premium associated with Part B. It is dependent, to an extent, on income and varies based on when you started with Medicare. But for most people the current Part B premium is $134/month (2017). This typically is paid as a deduction from your Social Security check. If you are turning 65 and already receiving Social Security, you will be automatically enrolled in Medicare Parts A & B. You’ll receive a card 2-3 months before your Medicare start date, which is the 1st day of the month you turn 65, stating that you will have Medicare Parts A & B. You would have to then notify Medicare if you did not want Part B to start then.

Part C is also an optional part of Medicare. It is also called Medicare Advantage. Medicare Advantage plans are private insurance plans, which replace (or take the place of) Medicare Parts A & B. There are sometimes premiums associated with these plans, and coverage is provided through the private insurance company instead of through Medicare itself. In recent years, there have been many changes to these plans, including reductions in coverage and doctor acceptance. As a result, we do not necessarily recommend them as an advantageous option in most situations. But this is largely dependent on where you live, your income/assets, and your individual health situation.

Part D is the part of Medicare that covers prescription drugs. This is also optional, although there is no prescription coverage in Parts A & B. Also there is a penalty to delay enrollment into Part D unless you have other credible coverage. So, most people enroll in Part D when they are first eligible.

Medigap plans (also called Medicare Supplements) are plans that fill in the gaps in Medicare Parts A & B. These plans are sold by private insurance companies and standardized by the Federal government. Premiums can vary widely on these plans – by state, age, gender, etc. When you go on Medicare, it is crucial to compare Medigap premiums to ensure that you get a good deal on the plan you choose since the premiums vary from company to company for the exact same coverage.

Tomorrow, we will look at more specifics about when you should sign up for the various parts of Medicare, how to do so, and what your other options are.

Medigap-Quote.com is one of the nation’s leading independent brokers of Medigap plans. We work with 30+ companies in 40+ states and work exclusively with this type of insurance. As a result, we can provide unbiased, experienced expertise to those going on Medicare and turning 65. Feel free to contact us or request Medigap quotes online.

Filed Under: Frequently Asked Questions, Medicare A & B Tagged With: how does medicare work, how to get medicare, how to sign up for medicare, medicare, medigap, part a, part b, part c, part d, plan, supplement, supplemental, terminology, what is medicare part d, when do i get medicare

Frequently Asked Question: Does Medicare Cover X-Rays?

May 1, 2017 by Garrett Ball Leave a Comment

Let’s face it – Medicare can be confusing. There are many frequently asked questions that people on Medicare often ask. One of these such questions is whether Medicare covers x-rays and other diagnostic procedures/tests. So, does Medicare cover x-rays? The short answer is, yes, Medicare does cover diagnostic tests and x-rays. Generally speaking, Medicare covers these at 80%. If you have a Medicare supplement plan (a Medigap – NOT a Medicare Advantage – which are not Medicare Supplements) picks up the other 20%.

X-rays are covered under Medicare Part B. Part B covers many outpatient services/procedures, including doctor’s services, ambulance services, outpatient therapy services, some chiropractic care, and home health services, in addition to x-rays and other diagnostic services.

Medicare will only pay for these Part B-covered services if they are medically necessary and performed by a provider that accepts Medicare patients.

Part B is the optional part of Medicare. If you are still working when you turn 65, you are not automatically enrolled in Part B. So, you should make sure that you are enrolled in Part B if you are trying to find out if a procedure was, or will be, covered. To have the full, “original” Medicare coverage, you must have both parts of Medicare – Part A and Part B.

If you have questions about Medicare itself, or Medigap plans, which are designed to fill in the gaps in Medicare and pay what Medicare does not pay – please contact us at 877.506.3378 or on our website at Medigap-Quote.com.

NOTE: If you are facing x-rays or further diagnostic testing, it is likely that you would not be eligible for a Medigap plan at this time UNLESS you are still within your initial open enrollment period (6 months after you turn 65 or start on Medicare). Yet another reason why it is important to get a plan when first eligible or face the possibility of never being able to get one.

Filed Under: Frequently Asked Questions Tagged With: diagnostic tests, does medicare cover diagnostic tests, does medicare cover x-rays, getting an x-ray on medicare, how to file claims to medicare, medicare, medicare part b, original medicare, x-rays

Best Medigap Plans for People Turning 65

April 6, 2017 by Garrett Ball Leave a Comment

If you already understand what the plans cover, and want to skip ahead to find out which plan has the best rates for your zip code, click here.

When you are turning 65 or going on Medicare for the first time, there is an abundance of information available to you. There are several different types of plans and numerous companies that sell each type of plan. Moreover, the plans vary by geographic location, state or county (Medigap plans vary by zip code). There are a couple of variables that determine which plan is the “best”.

The two variables that deserve consideration in this are the PLAN that is best for you and the COMPANY that is best. Since Medigap plans are standardized – that is, all companies are required to offer the same coverage plans – the first thing that you have to decide is which plan you want. Here is the chart that shows what the different plans cover: Medigap Coverage Chart.

Determining which plan is right for you is a product of your health status and financial position. The top plans, Plan F and Plan C, are obviously the most expensive. However, they are also the most comprehensive. Plan F pays everything that Medicare A & B do not cover so that you do not have any out of pocket costs. However, often, Plan G is a better value than Plan F, the only difference being that it does not pay the Medicare Part B deductible (which for 2017 is $183/year). Typically, the premium savings is far greater than that Part B deductible amount.

Also, Plan F is being eliminated in 2020. This will likely lead to more/higher rate increases on that plan as compared to other plans.

The plan level below Plan G is Plan N. This plan is also a good alternative for people who are either in good health or have limited financial resources (but want the security and flexibility of a Medigap plan). There are other plans – 10 in total – but these three are the most commonly offered plans, and these three represent a top, middle and lower level of coverage. So deciding between those three is typically a good way to simplify it for most people, at least as a starting point.

Once you know which plan you want, the next step is figuring out which company has the best rates for that plan. These rates vary greatly by zip code, so it is essential to compare based on specific rates for your situation. You can call all the insurance companies to get these rates, or better yet, use an independent Medigap agent to compile them for you and provide you with that information.

Once you have the rates for the various plan options, it is very easy to compare and choose based on the rates and the company ratings/reputations. We would always recommend choosing the lowest rate for a specific plan, as long as it is from a relatively stable company.

If you have specific question or want to discuss the best Medigap plans for your area, contact us online or call us at 877.506.3378.

Filed Under: Frequently Asked Questions, Medigap Plans Tagged With: best medicare plan for someone turning 65, best medigap plan, best medigap plan for 2013, best medigap plan for 2014, comparing medigap plans, going on medicare, how to choose a medigap plan, top medigap plan, turning 65

How to Get a Medigap Quote

May 16, 2016 by Garrett Ball Leave a Comment

Getting a Medigap quote is a crucial part of turning 65 or going on Medicare for the first time. But, it also is a prudent idea for someone who is already on Medicare with a Medigap plan. The rates for Medigap plans change annually in most cases, and what was a good “deal” when you signed up, may not still be the most advantageous option. Since Medigap plans are Federally-standardized, in 90% of cases, you can reduce your cost for equivalent coverage.

So, just how do you go about getting a Medigap quote? It’s actually quite easy to do. One option – although not the most desirable one – is to find the names of the insurance companies offering plans in your state. These can be found on your state department of insurance website or at Medicare.gov. Then, you would call each specific company and try to obtain the rates for your age and zip code. Some companies will give their rates out by phone or publish them on their website. Others will require you to meet with or talk to an agent.

But the easiest way to get the quotes is via an independent Medigap broker. Comparing plans is easy to do since the plans are Federally-standardized. In other words, a Plan F with one company is the exact same coverage and works the same way as a Plan F with a different company. An independent broker can send a list of the plans in your area with customized quotes for your specific age, gender, and zip code. This list of plans will allow you to compare all options in a centralized place and make an informed choice about the plan that is the best overall deal from a reputable company.

If you have had your plan for more than 12 months, you have likely had a rate change to your Medigap plan. If you HAVE had a rate change, you should be able to reduce your costs for equivalent coverage. Medigap rates can vary as much as $100/month for the same coverage, and no matter your financial status, it certainly does not make sense to pay that much “extra” for the same plan.

While most independent brokers will do this via a face-to-face meeting or telephone conversation, Medigap-Quote.com believes in providing that information via email so you can compare the plans on your own time schedule, formulate your questions and/or pick a plan that is right for you. Because we are an independent brokerage, we can and do work with all the companies that offer plans in each area so that we can provide unbiased information and quotes.

Medigap-Quote.com, which is owned by Secure Medicare Solutions, has been in business for 9 years with thousands of satisfied Medigap clients from around the country. Watch the video below to see what our actual clients have to say about us:
Reviews of Secure Medicare Solutions and Medigap-Quote.com

Filed Under: Medigap Companies, Medigap Plans Tagged With: how to get a medigap plan, how to get medigap quotes online, medigap quotes, medigap quotes by email, medigap quotes online, medigap rates, medigap-quote

Medigap Changes for 2014

August 6, 2013 by Garrett Ball Leave a Comment

As we approach the end of 2013, a question that we are getting frequently is what is about Medigap changes for 2014. The simple answer to what is changing is “Nothing”. Despite the persistent dissemination of information about “Obamacare”, the changes that are going on in the “under 65” market do not apply to those on Medigap plans.

Medigap plans do change from time to time. The last time that the coverage chart changed was June 1, 2010. See the current Medigap coverage chart. However, these changes do not occur on a year-to-year basis and the coverage on Medigap plans does not change with the calendar year, like it does with Medicare Advantage and Part D plans.

All that said, the rates for Medigap plans in 2014 likely will change with most companies, just as they have in past years. This occurs for a handful of reasons, including but not limited to changes to Medicare co-pays and deductibles, your individual increased age, and claims experiences for your particular Medigap company. These rate changes can happen at any time, though. They do not only happen at the end of the year or during the annual enrollment period.

Any time that your company changes your Medigap rate they must notify you at least 30 days in advance of the change. This is typically done by mail. If/when you receive a change in your Medigap rate, whether it is mid-year or at the end of the year, it is advisable to compare rates on the plan that you have. This can be accomplished very easily and will ensure that you are not paying too much for your coverage.

Due to the standardization of Medigap plans, you can always compare “apples to apples”. For example, if you have a Plan F, you can easily compare other Plan F rates. Or, even more advantageous, you could compare Plan G rates (Plan G is, in almost all cases, a better “deal”). This would give you an idea of how your current plan stacks up against what else is available.

All in all, Medigap plans will go up over time. However, they are not necessarily going up 1/1/14. The upcoming end-of-year enrollment period has nothing to do with Medigap plans – you can change at any time. But, if your rate does go up, now or in the future, it is a good idea to re-evaluate and make sure you have the best deal on your chosen plan.

Medigap-Quote.com is an independent broker of Medigap plans. We work with 35+ companies in 39 states and can help you compare all plans in a centralized place by email. If you have questions or wish to discuss in more detail, request Medigap quotes or call 877.506.3378.

Filed Under: Frequently Asked Questions Tagged With: 2014 medigap plans, how to sign up for a medigap plan, insurance, medicare, medigap, medigap changes, rates, supplement, supplemental, when to change medigap plans

Medicare Part D Help – The Most Confusing “Part” of Medicare

May 28, 2013 by Garrett Ball Leave a Comment

Medicare Part D, for most people, is the most complex and confusing “part” of Medicare. Whereas Parts A & B are pretty straight-forward, Medicare Part D has many intricacies that cause headaches and stress for even the most educated and patient Medicare consumers. This article is intended to be a compilation of important reminders about Part D that will allow you to make an informed decision when it’s time to choose a Part D plan. We’ll look specifically at the questions of when to enroll, what to compare, and which plan to choose.

First of all, the question the is foremost in your decision-making process is when to enroll in a Medicare Part D plan. The easiest answer is that, for most people, you should enroll when either one of two things happens – you turn age 65 (assuming you don’t have other, creditable coverage for prescriptions) or you lose your existing, creditable drug coverage. Medicare charges a “late enrollment penalty” if you neglect to enroll in a Part D plan when you are first eligible. This penalty is 1% of the Medicare standard Part D amount, per month that you don’t enroll after your initial enrollment penalty. This is added on to the premium when you do enroll – and this penalty stays with you as long as you are on Part D. So this a definite downside of not enrolling in at least a basic plan when first eligible, even if your medication needs are minimal.

After that initial enrollment period, you can enroll in, or change, your Part D election during the annual enrollment period, which currently runs from October 15 to December 7 each year.

The 2nd question regarding Medicare Part D is what to compare when looking at the different Part D options. When you are preparing to enroll in a Part D plan, there are several things you will want to do. First of all, it is essential to compare the plans based on any current medication needs. There are usually 25-40 plans in each county, and the coverage/co-pays on these different plans varies considerably. The most effective way to compare the plans is to use the Medicare plan finder which is on Medicare.gov. On this site, you can pull up plans for your county, enter your medications and compare based on the overall annual costs – co-pays, etc. On the comparison that the Medicare website generates, you can view an estimated annual costs, which includes your premium, any deductible, and co-pays for the medications that you have entered. This bottom-line number is what we would recommend that you use to choose a plan in most cases.

That brings us to the next question of which Part D plan to choose. As mentioned above, we would recommend comparing the plans based on current medications usage and choosing a plan that gives you the lowest cost for your medications overall. Other factors to consider when comparing the options are where you can use the plan – most plans have networks and/or preferred pharmacies – and “donut hole” coverage. The Medicare “donut hole”, or coverage gap, is a feature of Medicare prescription drug coverage. Different plans have different ways of handling the “donut hole”, which could be important to you if you are on multiple medications or medications with a high retail cost.

Choosing the right Medicare Part D plan can literally be the difference of thousands of dollars. Plans vary greatly. Medigap-Quote.com does not sell Part D plans, but we do provide the Part D comparison service through Medicare’s plan finder for our Medicare supplement clients on an annual basis (plans change each year). If you have questions or would like to compare your Medicare supplement or Part D plan, feel free to contact us online or call us at 877.506.3378.

Filed Under: Medicare Part D Tagged With: how to sign up for part d, medicare, medicare part d, medicare pdp, part, part b, part d, plan, prescription drug coverage, when to sign up for part d

Medigap Plans, Medicare Advantage, and Part D

May 18, 2013 by Garrett Ball Leave a Comment

*This is Part 3 in a 3-part series designed for people going on Medicare or turning 65. Please
contact us if you have any questions about this information or fill out a quotes request if you want to get Medigap quotes.*

Medigap plans, Medicare Advantage and Part D are additional coverages that you should be considering if you are going on Medicare. Each of these has their own unique designs and advantages/disadvantages. This article is intended to introduce you to each and give you more information to consider about what is right for you.

First of all, let’s take a look at Medigap plans. Medigap plans are sold through private insurance companies, but they are Federally-standardized. What this means is that each company has to offer one of the standardized plan designs. The chart that shows these standardized plans can be seen here. As you can see, Plan F is the most comprehensive plan – it pays what Medicare Parts A & B do not cover at the doctor and hospital, so you should not have any out of pocket expenses. It is, of course, the most expensive. Other common lower-premium, less-coverage options include Plan G and Plan N. Plan G, in particular, is often a better value than Plan F (Read more about Why Plan G is often better than Plan F).

In addition to the coverage being standardized with Medigap plans, the claim payments and doctor acceptance are also standardized. That is, if a doctor/hospital takes Medicare, he or she will take the standardized Medigap plan that you have, regardless of which company sells you the plan. Additionally, claim payments are processed through the Medicare “crossover” system, so the plans, essentially, “follow” Medicare as a supplement and claims are all handled electronically. For these reasons, it is important to compare the Medigap plans on the basis primarily of cost and company rating. These are the two variables that can differ from one company to the next. You can get a Medigap quotes comparison for you area sent to you by email.

Medicare Advantage is entirely different from Medigap. Many people mistakenly lump them in together or call Medicare Advantage plans “Medicare Supplements”. This is not accurate, as Medicare Advantage plans do not supplement Medicare, but rather take its place in paying claims. These plans have networks, and most are either PPOs or HMOs. Often, premiums are lower than the premiums of Medigap plans, but the coverage is typically also lower. They, in most cases, work more like traditional employer/group type plans. There are some distinct drawbacks to this type of plan, in our experience, and we do not recommend them in most instances. Some of the particular downsides are the network restrictions (which are often based on your county or state) and future plan change issues. If you take a Medicare Advantage plan when first eligible for Medicare, you do have to qualify medically to switch to a Medigap plan at a later time.

Medicare Part D is a part of Medicare, but it is sold through private insurance companies. Part D covers prescription drugs. There are typically 20-40 plans in each county, so it is crucial to compare the plans based on how well they cover your current medications. Co-pays and plan premiums can vary greatly. You can do this on Medicare’s website at: Compare Part D plans.

It is important to sign up for Part D when first eligible unless you have creditable coverage. Medicare imposes a 1% per month penalty if you do not sign up for a Part D plan when you are first eligible (you are exempt from this penalty if you have creditable coverage through an employer-type plan). Premiums for Part D typically range from $15/month to $100/month so it is vital to choose a plan that covers your medications and is the appropriate coverage level for your current medication usage. You can change Part D plans during the annual enrollment period which runs October 15-December 7 each year.

This article explains some of the other coverages that go with Medicare, such as Medigap, Medicare Advantage and Part D. If you still have questions or want to discuss further, please feel free to contact us.

Filed Under: Uncategorized Tagged With: advantage, medicare, medigap, medigap plans, part b, part c, part d, plan f, plan g, plan n, plans, quotes, supplement

When and How Should I Sign Up for Medicare?

May 17, 2013 by Garrett Ball Leave a Comment

*This is Part 2 in a 3-part series designed for people going on Medicare or turning 65. Please contact us if you have any questions about this information or fill out a quotes request if you want to get Medigap quotes.*

So, in yesterday’s article, we went over some of the basic terminology associated with Medicare, including the parts of Medicare which are very crucial to understanding what Medicare covers and how it works. Today, we will discuss actually signing up for Medicare – how to do it and when to do it.

First of all, when should you sign up for Medicare? Most people get Medicare due to turning 65 – the exception would be if you receive Medicare due to a disability. Part A (hospital/inpatient coverage) you receive automatically – for Part B, you have the option of taking it when first eligible or postponing it. If you are working and covered through an employer group plan, it is often to your advantage to postpone taking Part B. You should always confirm this with your insurance administrator/HR at your employer, but often, paying for Part B (which as we discussed yesterday is approximately $105/month) is a duplication of the coverage you are receiving through your employer. You can always add Part B later as long as you are covered by the employer coverage, such as when that coverage ends (i.e. retirement or loss of benefits).

If you are not covered by a group plan when you turn 65, you will want to take Parts A & B when first eligible. Medicare always starts on the 1st day of the month that you were born (unless you were born on the 1st of a month in which case it starts on the 1st of the preceding month).

The “how” of signing up for Medicare is pretty straight-forward. First of all, if you are already receiving Social Security at the time you turn 65, you will get Medicare automatically (both Part A & B). You should receive your card approximately 2-3 months in advance of your Medicare start date. If you have not received it by two months before your Medicare should start, I recommend contacting Medicare or going to a local Social Security office.

If you are NOT already receiving Social Security, you should plan to contact Social Security 2-3 months in advance of your eligibility date to sign up for Medicare. You can do this by following the previous link or visiting a local Social Security office. If still working, you can decide through consultation with your employer (if still working) if you are going to take Part B when you are eligible.

This article is intended to help with knowing when and how to sign up for Medicare. If you still have questions, feel free to contact us. Tomorrow, we will discuss additional coverages that you will be considering such as Medigap, Medicare Advantage and Part D.

Filed Under: Frequently Asked Questions, Medicare A & B Tagged With: eligibility, enrollment, how do i sign up for medicare, how should i sign up for medicare, insurance, medicare, medigap, part a, part b, part d, plan, supplement, supplemental, when shoudl i sign up for medicare

Three Part Series Explores Going on Medicare

May 15, 2013 by Garrett Ball Leave a Comment

Going on Medicare for the first time can be a overwhelming, even intimidating thing. There is a lot of information and certainly, a lot of demand for your attention regarding the decisions that you have to make about your health insurance coverage. For most people, these decisions occur in the 3-6 months preceding their 65th birthday. For others, those decisions occur prior to age 65, due to disability, or after age 65, due to working past age 65. Regardless of when they occur, it is certainly an important time with many crucial decisions.

This article introduces a three-part series regarding going on Medicare. The utmost goal is to explain Medicare in terms that anyone can understand – provide the information you can get elsewhere but in an easier to process, straightforward way.

The first post in this series will appear tomorrow, May 16, and subsequent posts will appear on the following two days. We hope you will mark the site and check back to see more information about turning 65 or going on Medicare.

Filed Under: Frequently Asked Questions, Medicare A & B, Medigap Plans Tagged With: comparison, how to get medigap quotes online, how to sign up for medicare, insurance, medicare, medigap, part a, part b, part d, quotes, supplement, supplemental