Part of the Senior Advisors Group the Medicare Supplement Center was extablished to help medicare beneficiaries navigate the changes in Medicare Supplement for 2010.
With 100's of plans and over 30 providers we represent most plans and all the major providers in every geographic area's. Here's is just a few:
For those considering the purchase of Medicare Supplement Insurance
Many individuals will purchased Medicare Supplemental insurance A.K.A. Medigap Plans, to fill in the gaps in traditional Medicare Coverage. Although, if you have Medicare coverage and Medigap Plans are too costly then you may consider a Medicare Advantage plan in lieu of Medicare supplemental insurance. First, you need to sign up for Medicare Coverage - You need to be within 3 months of your Medicare Part B effective date to enroll in Medicare Advantage, and Medicare Rx insurance. Medicare supplemental Insurance may be purchased at any time, although you have a guaranteed acceptance period that last for 6 months after your enrollment in Medicare part “B”. For information on "Open Enrollment", "Guaranteed Enrollment", and other Special Election periods (There are about 35) Request a Medicare Insurance Consultation or info on Medicare plans and agent will guide you through the process.
Medicare Supplement Insurance is offered by a number of well known Medicare Insurance providers as well as the not so well known. Blue Cross and Blue Shield offer Medigap Coverage in most areas as well as AARP Medicare Supplement Insurance. The key; regardless whether it’s Blue Cross, Blue Shield, AARP or some other provider: All similar lettered Medicare Supplement Insurance plans are identical. Medicare Supplement Plan J, Medicare Supplement Plan F, or Medicare Supplement Plan C from Blue Cross, AARP, American Continental , Genworth Medicare Supplement, Gerber Medicare Supplemental Insurance, Mutual of Omaha, United of Omaha, or any other provider they all cover the same Medicare insurance benefits. There is no difference from one provider to another.
What makes one plan more costly than another is driven by several factors including utilization rates (more sick people), overhead, and other admin costs. So plans with less stringent underwriting like AARP and many Blue Cross companies may get more people with higher utilization causing higher premiums for everyone. The key for healthy people or those turning 65 who are in the Medicare supplements “Open Enrollment” period is to find the plan with the lowest premium. Mutual of Omaha Medicare Supplement plans are competitive but there may be others in your area that are less expensive. Gerber Life Medicare Supplement has recently introduced Medicare Supplemental Insurance plans in 32 states. It doesn't’ really matter if you buy Mutual of Omaha Medicare Supplement, AARP Medicare Supplement Insurance, Blue Cross Blue Shield, Gerber, or any other, the Senior Advisors Group represents them all.
The real benefit: Between your Medicare Benefits, and Medicare Supplement Insurance you will not be confined to an HMO network, no referrals, and no co-pays. (Depending on plan) The first step is to review our site and the Senior Advisors site then request a Medicare Supplement Quote. If you are still confused please request a quote and we will provide a free Medicare consultation.
A few of the other plans/providers:
AARP - United Healthcare
CVS - Caremark
Care Improvement Plus
Medicare Supplement Center
Real Answers about Medicare