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The easy way to get Medicare Supplement plans

The easy way to get 2019 Medicare Supplement plans

So many clients expressed their frustration and confusion as they tried to sort out the masses of information about Medicare and Medicare Supplement plans.

This article will not clarify all this confusion. However, you will find some very helpful information on accessing help in your search for information and some dangers you might want to avoid.

You do not have to go alone. There are many reputable insurance professionals who are willing and able to help you. How do you like a good one? Some questions you should ask to see if you are dealing with a reputable professional include the following:

1) You should make sure that you are working with an independent agent or broker. This type of agent does not just work for one insurer. They are not limited to talking to you about the possibilities of only one company. The independent agent forms relationships with multiple insurance firms. This will allow you to tailor the solution for you rather than giving you the limited options that they can offer. There however the additional concern that the agent may lose contact with this one company and then lacks the resources to provide you or your policy with a service.

2) If your agent does not start by asking you some important things about you and your lifestyle, he / she is not doing any good work for you. Questions like: How much travel do you intend to do? How is your health? What is your budget? Do you enjoy being able to pay part of the medical expenses, or do you want full coverage? The answers to all these questions are the imperative if the agent will recommend the right plan for you.

3) How long has the agent been in business? Every year, thousands of people enter the insurance business. Every year, the vast majority of these new agents leave the insurance business. Work with an agent who has established and committed to the industry. Avoid brand new agents. This will ensure that your agent is there for customer support.

4) Does the agent specialize in Medicare? The insurance world is very diverse. Look for an agent that specializes in Medicare. Someone who is up to date with the laws and changes will be able to advise you. When it comes to Medicare, it is advisable to avoid a “jack of all trades”. There is a lot worth knowing about every insurance genre. You’re better off with someone who focuses on the aspect you’re dealing with.

5) Does the agent present the information clearly and understandably? This seems almost too basic to mention, but it is very key. A competent and genuine agent would be able to help you clear up the confusion. When an agent does his job properly, you’ll be happy that you understand your options and that you’ve made the right choice for your circumstance. Avoid agents who use terms and expressions known only to insurance personnel.

New Medicare Supplement Plans M and N

As a result of the 2010 Medigap Modernization act which came into force on June 1st. 2010, there will be some changes in the current Medicare supplement plans. Such changes will not affect people who have been included in a Medigap plan before then, and will only apply to people who enrolled as of June 1.

Medigap plans E, H, I and J are eliminated by Medicare, but those currently enrolled in these plans can remain in them without change. Two benefits that are also eliminated include the At-Home Recovery benefit, and the Preventative Care benefit, since these were underutilized by Medicare beneficiaries.  Those registered in plans prior to June 1, 2010 that have any of these benefits may continue to use them. Other important changes include the addition of the Hospice benefit on every Medicare supplemental plans, and this will be a key benefit for all Medigap plans.

The new modified 2019 Medicare supplement plans will also include two new plans that are likely to be very attractive to those who are currently enrolled in a Medicare Advantage plan. These two plans include Medicare Supplement Plan M and Supplement Medicare Plan N. As a result of the increasing cost of the Medicare Advantage Plan premiums and the increasing number of physicians who choose not to participate, Medigap plans offer M and N provide different features for cost sharing that helps in providing lower premiums for both when compared to plans such as the Medicare Supplement Plan F or Plan G.

The new Medicare Plan M offers unique cost-sharing options that are particularly attractive to relatively healthy Medicare beneficiaries. Plan M offers 50% of the Medicare Part A deductible, which was $ 1100 per service period in 2010. For example, if you are hospitalized and have a Medigap Plan M, it is expected that you will cover one-half of the Medicare deductible of $ 1,100 or $ 550. The current rules continue to apply to the deductible for Medicare Part A. If you travel for 60 days or more and need to return within the calendar year, you will have to pay this deductible again.

With a Medicare Supplemental Plan M, you are also responsible for paying the Medicare Part B deductible, i.e. $ 155 for the year 2010. There is no medical co-payment practice for this franchise and the 20% coinsurance is paid by the plan.

Another new plan (Plan N) was presented on June 1. This plan also offers cost-sharing options for the beneficiary that are very similar to Medicare Supplement Plan M, but with plan N, they take the form of a copayment.


If you are hospitalized and you have a Medicare Supplement Plan N, it is expected that you will pay a co-pay of $ 50. For doctor visits, there is a copay of about $ 20 per visit, after you have met the annual Medicare Part B deductible ($ 155 in 2010).

These co-pays will allow for the premium of Medigap Plan N to be less than the current Medicare Supplement Plans available, also making it an outstanding choice for those who are coming off of a Medicare Advantage Plan (Whether the plan is leaving your area, or you are in the enrollment period and wish to make a change).



Medicare part D explained.

Medicare part D is also called the prescription drug Medicare which was enacted in The US’s Federal government to be able to offer subsidized medicines to those people who have retired and the younger ones who have been enrolled due to the medical disabilities.

The disabilities are usually as a result of accidents while working or chronic diseases such as the kidney dysfunction.

This program is offered to those people who have been enrolled in the original Medicare, and this came into fill operation in the year 2006.

Medicare Supplement plans 2019

Eligibility for Part D

  1. One must have enrolled for Medicare Part A and B where one gets all the other medical benefits except the drug prescriptions which is administered by the private insurance companies.
  2. One can still opt to enroll for this program when not in Part A or B just for the drug prescription only or join through the Part C program that will also cover all the medical services in addition to other benefits which are not offered by part A and B such as the dental and optical medical consultations.
  3. The other eligibility is through the benefits that are offered by the employer otherwise they must join part A and B to be able to access the part D facility which is abet expensive if one opts out of the pocket payment for the drugs.

Find information on Medicare Supplement plans 2019 by visiting

If in any case, the Medicare beneficiaries did not enroll for the Medicare part d benefits during the right time, they still have an option of enrolling later provided they pay for the penalties for the time they did not use the service during the year.

Usually, the official enrollment period is from October 15th of any year up to December 7th and the enrollment period closes.

Medicare also provided a tool known as the Medicare plan finder which helps one to compare different prices in a certain geographical area and even the list of providers. By doing this, the beneficiaries can make an informed decision as to which insurance company to work with and the one that is most reputable compared to others who are online.

It also enables the beneficiaries to know the pharmacies that are available within and which can offer the type of medicines that they have enrolled for instance whether they stock generic or original and what prices they trade in.

This tool also enables the beneficiaries to track their annual spending on medications and make sure that they are within an acceptable level.