Michigan Medicare Supplements Made Easy From Easy Medicare Advantage

Is it time to replace your current Medicare supplement or are you interested in buying a new Medicare Supplement. It is easy to buy Medicare supplement coverage.

You can fill out an online quote form at www.medicaresupplementcenter.com to obtain rates. When you receive an email back with a quote comparison and you have decided with an agent what plan to go with, then an easy application is submitted to the insurance company. There the medigap policy is underwritten in a few days.

When purchasing Medicare supplement insurance, an agent would be very helpful. An agent would help with the underwriting process because they are familiar with companies’ guidelines. Agents can help with the comparisons of the Medicare supplement rates and benefits of medigap plans offered by insurance companies. Seniors covered under Medicare Parts A & B find that Medicare supplements provide outstanding protection.

It is not that great being on Medicare when you see that Medicare Part A has a 2009 deductible of $1,068 and Medicare Part B has a $135 deductible in 2009, then it pays 80% of the Medicare approved expenses. Now this is where Medigap insurance (Medicare supplement coverage) comes in and is very beneficial. A medigap policy like Plan F or J that covers the Medicare Parts A and B deductible as well as the 20% of Medicare Part B expenses can be purchased by a senior. Combine Medicare plus a Medicare supplement plan and your out of pocket expense could be little to nothing.

Effective June 1, 2010, there will be 11 new Medicare supplement plans, also known as Medigap plans, to choose from. These plans will include plans A, B, C, D, F, high-deductible F, G, K, L, M and N (If you already have a Medicare supplement insurance, your coverage will not be affected).

Medicare supplement plans being eliminated are Plans E, H, I and J. At Home recovery and preventative care benefits will no longer be included in Medicare supplement plans. Medicare supplement Plan G will have 100% coverage for excess charges rather than the 80%.

Medicare has two new items to add to Medicare supplement insurance plans. One of those is Hospice which will be part of the basic benefits. So it will be included on all Medicare supplements. Plans M and N will be offered. Higher cost sharing but at lower premiums are what these plans will offer.

To obtain more info or questions please contact the Easy Medicare Advantage Team at info@ezmedicareadvantage.com

categories: Medicare,Insurance