Medigap Companies Archives - Medigap-Quote.com

How to Get a Medigap Quote

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:
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2013 Medicare Part D and Medigap Comparisons Now Available Online

The 2013 Medicare annual enrollment period is almost here. This is a vitally important time for everyone who is eligible for Medicare, as it is the only time that you can change certain types of Medicare plans, including Medicare Advantage (the privatized Medicare plans that approximately 30% of people on Medicare have) and Medicare Part D Rx plans.

Medicare Part D plans run on a calendar-year contract. Each year, Medicare approves the benefits, co-pay structures, premium, deductible, etc. of the plan for the following calendar year. On or around October 1, you will get an annual notice of plan changes from your current plan – this is an important document, as it shows how your plan is changing for next year including any changes to the coverage of your specific medications. Pay close attention to this.

Even if your plan is not changing significantly, which is unlikely given the current climate of health insurance changes, it is a good idea to re-evaluate the Part D plans on an annual basis. Medicare has greatly improved over the last couple of years with relaying this comparative plan information to people on Medicare. If you are computer-savvy, it is very easy to compare the Part D plans on Medicare.gov. This information was released today, October 1, on Medicare’s website. You can enter your medication/dosage information and get a customized comparison which will show you which Medicare Part D plans will give you the lowest overall annual drug costs over the course of 2013. Click here to: run the customized Part D comparison.

You can change Medigap plans (Medicare Supplements) at any time of the year; however, this is also the most advantageous time of year to compare and change (if necessary) your Medigap plan. To do this, the first step is comparing the available Medigap plans. To do this, request a Medigap quote comparison from Medigap-Quote.com. This will show the available Medigap plans for your age and zip code. The information comes to you by email (not all Medigap companies allow their current rates to be published online, so anything viewed online is incomplete). If you prefer to speak with someone by phone, call us at 877.506.3378.