Medicare Supplement Archives

Time Is Of The Essence! How To Get The Best Medicare Supplement Rates For Ages 65 to 69

Are you looking for the Best Medicare Supplement Rates For Ages 65 to 69?

I’m guessing that you are in one of three Medicare Supplement related situations:

1You just signed up for Medicare and you are in your 6-month Medigap open enrollment period to decide between Medicare Supplement plans.
2You are presently enrolled in Medicare Supplement Plan F (possibly N) and are thinking about moving to Supplement Plan G.
3You do not presently have Medigap coverage but have had Medicare coverage longer than 6 months thus exceeding the open enrollment period.

BEST MEDICARE SUPPLEMENT RATES FOR AGES 65 TO 69

Guess what, you are in luck, if I guessed your situation correctly, by the end of this article you will know what the best decision will be regarding Best Medicare Supplement Rates By Age.

Depending on which of the three situations you fall into, I will review the pitfalls you will need to watch out for and which plans will offer you the best Medicare Supplement rates for ages 65 to 69.

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Best Medicare Supplement Rates For Age 65

Being age 65 or about to turn 65 usually is the best situation to be in for the best rates on Medicare Supplement Insurance Plans.

Typically, the best Medigap insurance rates are given to 65-year old, male and female non-tobacco users during their six-month Medigap open enrollment period.

This makes sense because during the Medigap insurance open enrollment period, there is no underwriting.

Regardless of ANY preexisting health condition or even medications that usually result in immediate decline of a MedSup policy, you cannot be denied coverage.

In fact, you won’t even have to see a doctor to qualify for the Medicare Supplement Plan that you choose.

To get the best Medigap rates for age 65, simply enroll during the Medicare Supplement open enrollment period.

The biggest concern is probably the fact that if you are 65 you are probably going on to Medicare (for the first time) which means you can get a supplement without evidence of insurability. (no health questions asked). It is a guarantee type of situation.

Best Medicare Supplement Rates For Age 66

If you have just enrolled in Medicare and are in your Medicare Supplement open enrollment period, you will get the best Medigap insurance rates.

If you are already enrolled in a Medigap plan and are looking to change plans, there are a few key factors to consider.

Factors such as:

Are you male or female?
Are you a tobacco user?
Are you generally healthy?

If so, changing plans should be fairly easy.

However, you will still have to go through underwriting and provide your medical history.

Some preexisting conditions may not be covered for a set time, usually six months to 1 year.

Reviewing your Medicare gap insurance annually can result in getting the best rates for age 66.

Best Medicare Supplement Rates For Age 67

Assuming you are outside the Medigap open enrollment period, you will have a few things to consider.

If you have any preexisting health conditions, depending on the condition, your premium rates will be higher than a healthier person.

Some preexisting health conditions can even result in you being denied coverage.

For instance, if you have had cancer within the last two years, it will be difficult to find a Medicare gap insurance carrier that will issue you coverage.

Speak with a Medigap policy expert to review your premiums and keep them at the best rates for age 67.

Sample Medicare Supplement Rates: Male – Non-Tobacco – Living in Hagerstown, Maryland

PLANS	PLAN F	PLAN G	PLAN N
AGE 65	$181.00	$157.00	$121.00
AGE 66	$181.00	$157.00	$121.00
AGE 67	$181.00	$157.00	$121.00
AGE 68	$186.00	$159.00	$122.00
AGE 69	$189.00	$161.00	$124.00

Rates do NOT include any household discounts

Best Medicare Supplement Rates For Age 68

Medigap plans cost is largely determined by your overall health when you are outside the open enrollment period.

To get the best Medigap rates, in addition to your health, other factors such as whether you are male or female, non-tobacco user or a smoker, marital status and your age can affect your Medicare Supplement Insurance Plans rates.

If you have a health condition, the number of medications you presently take, can determine if you will be denied coverage.

Such as with COPD.

If you are age 68 and have COPD but take three or less medications, there is a high likelihood that you will qualify for Medigap insurance.

However, if you take four or more medications for COPD, including inhalers, you may be denied coverage to a new Medicare Supplement Ins Plan, outside of open enrollment.

If you are already in a Medicare Supplement plan with COPD, you may have to stay in the plan until your health changes.

Sample Medicare Supplement Rates: Female – Non-Tobacco – Living in Hagerstown, Maryland

PLANS	PLAN F	PLAN G	PLAN N
AGE 65	$157.00	$137.00	$105.00
AGE 66	$157.00	$137.00	$105.00
AGE 67	$157.00	$137.00	$105.00
AGE 68	$158.00	$137.00	$108.00
AGE 69	$161.00	$140.00	$109.00

Rates do NOT include any household discounts

Best Medicare Supplement Rates For Age 69

Are you currently enrolled in a Medicare Gap Insurance and looking to change plans?

Or, maybe looking for a new Medigap policy outside the Medigap open enrollment period?

In either case, in the eyes of the insurance carrier, you are the same.

There is only one Medicare Supplement Insurance open enrollment period and once outside of that six months, you must go through underwriting to change plans or get a new Medigap policy.

Anytime you go through underwriting for health insurance whether you are male or female, smoker or non-tobacco user, your overall health is the number one determining factor on whether you will get the best Medicare Supplement rates for age 69.

For Best Medicare Supplement Rates For Ages 70 to 75 click here.

Taking Action!

Senior Benefit Services will be able to help guide you through choosing a Medicare Supplement Plan.

There are many factors that determine the Best Medicare Supplement Rates For Ages 65 to 69.

The Experts at Senior Benefit Services have been specializing in helping seniors make the best Medigap insurance choices for over 50 years!

Call now at 1-800-924-4727 or fill out the easy and convenient ‘Start Free Comparison’ form in this article.

Get Your FREE Customized Medicare Supplement Quote

Expert Advice: How To Obtain The Best Medicare Supplement Rates For Ages 76 to 80

Your Medicare Supplement Rates have been increasing every year and that once low monthly Medigap policy premium at age 65 is now much larger at age 76, 77, 78, 79 or 80.

All is not lost, there are still plenty of opportunities to lower your Medsup insurance rates if you take a few short minutes to review this article.

We will discuss the expert’s advice on how to obtain the Best Medicare Supplement rates for ages 76 to 80, below.

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Best Medicare Supplement Rates For Age 76

By age 76, almost all people, whether male or female are experiencing some sort of a health issue.

We hear that many people simply don’t know that they would still qualify for a new Medigap insurance plan and are able to save large amounts of money on their rising Medicare supplement insurance premium costs.

If you check out our Medicare supplement rates by age, you will notice that not only do the rates increase as you get older, but there are still ways to increase savings and decrease spending.

There are look back periods on many of the health issues including strokes (as an example), so if you are past the look back period and do not take any of the declinable medications, you could get a policy at a preferred rate. Know that most companies will decline coverage for recent stroke incidents. Most companies do not offer a standard rate but instead decline all together. Our job as agents is to find the companies that ask the health questions to ensure them an approved policy.

Best Medicare Supplement Rates For Age 77

If you are enrolled in Medicare Supplement Plan F, you may want to consider changing to Plan G.

The only difference between plan F and G is the Medicare Part B deductible is $257 (with Plan G). When we move people form F to G, even if the deductible doubles, you are still saving money to move to G because the plan F premium is that much higher. No one will be able to enroll in Plan F after 2020 and those in Plan F will be Grandfathered in on Plan F indefinitely but they are going to raise the premiums to push people out. This is why you need to change from Plan F now! Premiums will increase and if you are not healthy you won’t be able to get out. Don’t get stuck because you are too sick to move.

Naturally, as people reach the age of 77 health issues begin to crop up.

After being enrolled in a Medicare Supplement Plan, to change policies and/or plans, your health will be the number one determining factor in this possible change.

In some instances, such as heart disease, if you are taking specific medications, all Medigap carriers will decline coverage.

However, if your heart issue happened years ago and you are healthy, it may not even affect your premium costs.

Check with a Senior advisor at Senior Benefit Services to see what the best Medigap rates are available for you at age 77.

Sample Quote: Male – Non-Tobacco – Living in Hagerstown, Maryland – No Discounts Applied

PLANS	PLAN F	PLAN G	PLAN N
AGE 76	$236.00	$199.00	$155.00
AGE 77	$246.00	$207.00	$161.00
AGE 78	$255.00	$216.00	$168.00
AGE 79	$263.00	$222.00	$175.00
AGE 80	$271.00	$229.00	$180.00

Best Medicare Supplement Rates For Age 78

Keep in mind that whether you are male or female, smoke cigarettes or have been a lifelong non-tobacco user, some medications can result in you being declined for a new Medigap insurance policy.

By age 78, it is very common for you to be taking some medications.

If you have high blood pressure and take medications for this health issue, most Medicare Supplement companies will decline your coverage.

Speaking with a Medigap Expert and getting advice on how your health can affect the potential of changing Medigap policies is the best way to get the lowest Supplement rates possible at age 78.

Get Free Medicare Supplement Quote — Get Help Now With Your Medicare Supplement Quote

Best Medicare Supplement Rates For Age 79

As you approach a major age milestone at 79, you may want to stop and take a look at the best Medicare Supplement rates that are available to you.

Taking into consideration your present health, there could be quite a few options for you to choose with Medicare Supplement Insurance Plans.

Even if you have some health issues, such as diabetes, changing from Medigap Plan F to Plan G, may save you a bunch of money.

This could still be the case even if the companies rate you a bit lower for diabetes and charge you an extra 25% in premium costs.

Speaking with an Medigap expert cannot hurt if you want to get the best Medigap insurance rates at age 79.

Sample Quote: Female – Non-Tobacco – Living in Hagerstown, Maryland – No Discounts Applied

PLANS	PLAN F	PLAN G	PLAN N
AGE 76	$205.00	$174.00	$137.00
AGE 77	$214.00	$181.00	$143.00
AGE 78	$222.00	$188.00	$148.00
AGE 79	$229.00	$194.00	$153.00
AGE 80	$236.00	$199.00	$157.00

Best Medicare Supplement Rates For Age 80

Just because you are age 80 does not mean that you cannot save money by changing your Medicare Supplement plan.

Medigap insurance is available to anyone over 65 that qualifies for a policy, so long as a company will give them coverage.

Keep in mind that the policy you purchased maybe 15 years ago may be costing you much more than a Medicare Supplement Ins plan you could purchase today.

You won’t know if you don’t make a phone call and ask, ‘What do Medigap plans cost at age 80?’.

Get Free Quote on Medicare Supplement plans — Get Your FREE Medicare Supplement Plan Comparison

Taking Action!

Senior Benefit Services will be able to help guide you through choosing a Medicare Supplement Plan.

There are many factors that determine the Best Medicare Supplement Rates For Ages 76 to 80.

The Experts at Senior Benefit Services have been specializing in helping seniors make the best Medigap insurance choices for over 50 years!

Call now at 1-800-924-4727 or fill out the easy and convenient ‘Start Free Comparison’ form in this article.

Best Medicare Supplement Rates for Ages 70 To 75 (New For 2025)

Getting the best Medicare Supplement Rates for ages 70 to 75 can save you 100’s or 1,000’s of dollars a year. Finding out that you are overpaying for Medigap insurance is frustrating.

Medicare regulates all Medicare Supplement Plans regardless of the company you purchase your Medigap Insurance from, the coverage is the same.

I will explain how you can save money simply by speaking with a Medicare Supplement expert who will look for a plan that can cost much less than what you are presently paying but still give you the exact same coverage.

Best Medicare Supplement Rates For Age 70

By age 70, you are probably already enrolled in a Medigap plan.

The question is, what plan are you enrolled in?

Are you enrolled in Plan F, Plan G or Plan N?

And, are you getting the best Medigap Insurance rate for age 70?

It will cost you nothing to speak with one of our Medicare Supplement experts who will review your present health status and be able to find the best available rates.

Medicare gap insurance rates are less expensive for females than males but there are a few other factors that can save you money or increase your premiums.

Are you healthy, do you smoke or are you a non-tobacco user?

Pre-existing health conditions can increase your rates but some past health problems that you had a few years ago, may not affect your rates at all.

By age 70, you should be discussing your Medigap insurance with a Senior Benefits expert on an annual basis to ensure you don’t over pay another MedSup carrier for the exact same coverage you could get somewhere else.

Best Medicare Supplement Rates For Age 71

By age 71, you may be dealing with some minor health issues.

One of our top Senior Insurance Advisors had this advice for deciding on Medicare Supplement Plans Cost.

Anything can happen to anyone at any time so get the best plan you can afford (at age 71). Just because you are healthy now, doesn’t mean you won’t have an accident or become ill in the near future. This includes plans with 100% excess charge coverage and 100-day skilled nursing care coverage. A Plan G is the best for cost and coverage.

Best Medicare Supplement Rates For Age 72

Keep in mind that just because you were healthy when you signed up for your existing Medicare Supplement plan, doesn’t mean that you are getting the best rates for age 72.

All Medigap premiums increase each year but different carriers offer different rates and increase in different increments.

Even if you are a Male smoker with some health issues, regularly checking with a Medigap expert can result in much lower supplement insurance rates at age 72.

Sample Quote: Male – Non-Tobacco – Living in Hagerstown, Maryland

PLANS	PLAN F	PLAN G	PLAN N
AGE 70	$188.60	$161.33	$125.75
AGE 71	$194.63	$166.25	$129.42
AGE 72	$200.65	$171.92	$134.00
AGE 73	$212.75	$178.00	$138.67
AGE 74	$218.96	$184.17	$143.58
AGE 75	$225.16	$191.58	$149.25

Male Medicare Supplement Rates

Sample rates for Washington County Maryland as of 10/30/2024 and does NOT include any applicable discounts.

Best Medicare Supplement Rates For Age 73

When changing your Medigap policy there are a few things to consider.

First, what plan are you presently using?

If it is Plan F and you qualify to move to Plan G, this will save you a ton of money usually.

Because Plan F will not be available after 2020 to people new to Medicare Supplement Plans, the

premiums will increase due to the inability to keep adding younger and healthier Medigap users.

Taking advantage of this knowledge and investigating the move to Plan G can be one of the best financial decisions you make at age 73.

Best Medicare Supplement Rates For Age 74

What are truly the best Medigap policy rates for age 74?

“If you are looking at a true Medicare Supplement, the F, G and N are the main three plans. Plan L, K, M, only cover ½ the hospital deductible and have out of pocket maximums. So, in those cases, it is better to go Medicare Advantage. Very few of our customers opt for a high deductible supplement plan. “

Karen Simundson

Senior Insurance Advisor

Senior Benefit Services, Inc.

It is important to take advantage of changing Medigap policies as soon as possible.

Whether you are a male or female, smoker or non-tobacco user can all factor into your Medicare Supplement Ins Plans rates.

For instance, some medications you may take for a health issue may not affect your premiums.

However, if you have diabetes and have to take insulin, most companies will decline your coverage.

At age 74, a male or female looking to change Medigap insurance plans can save a tremendous amount of money if they are healthy.

Sample Quote: Female – Non-Tobacco – Living in Hagerstown, Maryland

PLANS	PLAN F	PLAN G	PLAN N
AGE 70	$164.00	$141.75	$111.63
AGE 71	$169.24	$144.95	$115.00
AGE 72	$174.48	$151.64	$119.08
AGE 73	$185.00	$157.78	$123.25
AGE 74	$190.40	$163.13	$127.58
AGE 75	$195.79	$168.48	$132.58

Female Medicare Supplement Rates

Sample rates for Washington County Maryland as of 10/30/2024 and does NOT include any applicable discounts.

Best Medicare Supplement Rates For Age 75

Statistically, the majority of people by age 75 will have some sort of health condition.

Some of these health conditions can result in you being declined coverage outside of the Medicare Supplement Open Enrollment Period.

It doesn’t matter if you are a male or female, whether you smoke or are a non-tobacco user, some health conditions, the Medigap carriers simply will just not insure.

Sometimes your health is great so long as you stay on your medications but even those medications can result in you being declined coverage.

It’s important to find the best priced plan for you at age 75, whether it is Plan F, Plan G or Plan N.

As you get older, it can be more difficult to change plans do to your health.

Taking Action!

Senior Benefit Services will be able to help guide you through choosing a Medicare Supplement Plan.

There are many factors that determine the Best Medicare Supplement Rates For Ages 70 to 75.

The Experts at Senior Benefit Services have been specializing in helping seniors make the best Medigap insurance choices for over 50 years!

Call now at 1-800-924-4727 or fill out the easy and convenient ‘Start Free Comparison’ form in this article.

Fill Out The Form Below To Get A Free Quote

Best Medicare Supplement Rates By Age (Plan G, Plan N, & Plan F Rates)

Learn how your medicare premium changes as you age. Finding the best Medicare supplement plans in can feel overwhelming, and determining their rates can seem even more difficult. Especially when every company online wants your personal information before showing you rates! Not at Senior Benefit Services!

In this article, we show you sample Medicare supplement rates by age and help you calculate medicare premiums for different plans. Your medicare costs may vary depending on your situation, age, and plan. Plan for future medicare costs by reaching out to one of our team members today.

Get Your FREE Customized Medicare Supplement Quote

In this article, we will go over the different Medigap supplement rates by age, how your age can affect your coverage options, and how to get covered for the best Medigap supplement rates. Calculate your medicare costs today !

Free Medicare Supplement Quote Comparison

How to Find the Best Medicare Premium Costs & Supplement Rates By Age –

In this guide, we’ll examine ways to manage your medicare costs, which includes medicare rates, and how your age can affect your coverage options, helping you compare medicare plans and find the best supplement plan costs.

Most of the time when we think about Medicare or Medicare supplement plans, we don’t think past the age of 65.

We are all assuming that once we reach that golden age, we will figure things out and then move on into retirement easily.

For some of us that will be true, but you will be shocked to find out that most of us might not even enroll in Medicare Part B when we turn 65.

This means we could miss our initial enrollment period which is the only time your approval is guaranteed, or we might just wait too long to finally decide to enroll and have to pay a penalty.

In other cases, you’re over 65 and your premiums increase. Now you are comparing Supplement insurance companies and their rates to see if you can save money.

Either way, we can help! — Click here for a free quote!

Others will enroll and stick with primary Medicare or go with a Medicare Advantage plan.

All of the options are fine, but what do you do when money is going out faster than it is coming in?

Shouldn’t there be a fast way to look at some monthly premiums based on your age and try to get some help lowering them?

We want to help you through the high premiums and the noise on what options can be best by laying them out easily in this post.

Before we get started with showing supplement rates, we would like to cover an essential factor that we discuss below.

Get Your FREE Medicare Supplement Plan Quote

Get The Medsup Plan With The Best Rate

If you check out the image below, you can easily see that the most affordable supplement rates for Plan G quoted is with LifeShield for $135.53/month.

However, the same plan might be more from another company such as Bankers Fidelity $139.67/month or ACE Property & Casualty at $141.58/month.

It is easy to think that maybe a company such as State Farm or Blue Cross/Blue Shield must offer better benefits because they are more widely known or that they are the “Safer Bet,” but the truth is that their Plan G is exactly the same as any Plan G, but far more expensive.

Every company is mandated by law to offer the exact same benefits per plan.

This means that All N Plans are the same, and all F Plans are the same, it doesn’t matter who you buy the policy through.

For example, if you’re comparing Medigap companies by rate increases, you’ll find all companies have the same percentage of increase.

We think this is very important to note because as you look through more supplement rate plans by age, we want you to remember that you should always go with the lowest price and if you are unsure you can contact us here: 1.800.924.4727 and check today’s medicare rates or fill out our quote form below.

If you are turning 65, then the best time for you to get a Medicare Supplement rate plan is during your open enrollment period that will last for 6 months.

This enrollment period starts on the first day of the month you will turn 65 and are enrolled in Medicare Part B. The best thing about this specific open enrollment period is that you are guaranteed approved no matter your health conditions.

Keep in mind that you can’t delay or replace your Medsupp Open Enrollment Period. A 66 year old male or female who is in great shape is probably going to be looking at a Plan N when starting out just because these plans are going to be the most affordable and you will probably be in excellent health.

But you always want to be mindful that when your initial supplement plan enrollment period passes, you might be required to go through underwriting if you decide to switch plans in the future so think about the now and your future. This could effect your supplement rates, depending upon the supplement plan details.

According to Medicare.com, anyone turning age 65 or going onto Medicare starting in 2020 will not be able to purchase Plan F.

If you already have supplement plan and supplement rates prior to 2020 and have Plan F, then you can keep it.

Otherwise, we will basically be losing supplement plan F after 2020 so keep that in mind. Below are some sample Medigap rates by age for 65-69 for both male and female. Review some typical Medigap charges for your age group.

Click here for a custom rate based on your specific state and tobacco use.

How Medicare Rates Change Through Different Life stages – Your supplement rate eligibility periods

Medicare Supplement Rates For 65 – 69 Years Old

Male
Female

Special senior rates available during enrollment. Understanding how senior rates are calculated are very important. Please check out these sample Supplement rates. See how Medigap charges differ between plans. Compare senior rates across all 3 plans. Find the best supplement rate for your needs.

Age	Plan N	Plan G	Plan F
65 Years Old	$114.00	$152.00	$180.00
66 Years Old	$114.00	$152.00	$180.00
67 Years Old	$114.00	$152.00	$180.00
68 Years Old	$120.00	$153.00	$181.00
69 Years Old	$121.00	$156.00	$184.00

Sample Quotes: Male – Non-Tobacco – Living in Hagerstown, MD

Understanding your medicare premium structure. See how Medigap charges differ between plans.

Age	Plan N	Plan G	Plan F
65 Years Old	$99.00	$133.00	$157.00
66 Years Old	$99.00	$133.00	$157.00
67 Years Old	$99.00	$133.00	$157.00
68 Years Old	$104.00	$133.00	$157.00
69 Years Old	$105.00	$135.00	$160.00

Sample Quotes: Female – Non-Tobacco – Living in Hagerstown, MD

Check your medicare premium qualification status. Get personalized senior rates today!

Click here for a custom rate based on your specific state and tobacco use.

Medigap Rates For 70 – 75 Years Old

If you waited until you reached your 70’s before enrolling into Medicare, you can still qualify. Your rates may be more expensive than for someone in their 60’s, but we’ll show you the best plans and rates here.

How supplement rates are determined. Here’s how the pricing works:

For every year you go without Part B of Medicare during a time in which you could have had it, your rates go up by 10%.This means if you are starting out at 70, your premiums are already 50% more than they would have been and if you wait until 75 they are going to be 100% more than they would have been.

This is important because it’s going to be hard to pay much higher premiums and still afford to pay the plan rates. On the other hand, if you didn’t wait until your 70’s to get coverage, you could be in a situation where you need to switch plans.

This can happen because you might be considering what would happen if you started to need to visit the doctor more, or because of monthly premiums. Below are some quick sample Medigap rates by age for both men and women:

Male
Female

Understanding your medicare premium structure. Current supplement rates may vary by location. See how Medigap charges differ, and compare supplement rates across different plans.

Age	Plan N	Plan G	Plan F
70 Years Old	$126.00	$158.00	$188.00
71 Years Old	$129.00	$165.00	$194.00
72 Years Old	$134.00	$172.00	$200.00
73 Years Old	$138.00	$178.00	$212.00
74 Years Old	$143.00	$184.00	$219.00
75 Years Old	$149.00	$191.00	$225.00

Sample Quotes: Male – Non-Tobacco – Living in Hagerstown, MD

Age	Plan N	Plan G	Plan F
70 Years Old	$109.00	$138.00	$164.00
71 Years Old	$113.00	$143.00	$169.00
72 Years Old	$118.00	$149.00	$174.00
73 Years Old	$123.00	$156.00	$185.00
74 Years Old	$127.00	$162.00	$190.00
75 Years Old	$132.00	$168.00	$195.00

Sample Quotes: Female – Non-Tobacco – Living in Hagerstown, MD

Click here for a custom rate based on your specific state and tobacco use.

Medsup Rates For 76 – 80 Years Old

Your rates for a Medsup plan at 77 or 80 are probably going to be at their highest level when you are in this age range.

This doesn’t mean there isn’t any room for savings and if you are pretty good health at this point, you still may be able to find a different company with lower prices.

It might feel odd to make a change to a plan that you have had for a long time, but sometimes even changing the company is all that is needed to get a large amount of savings.

Remember that any insurance company that offers your plan has to provide the same primary supplement plan benefits, regardless of the price. This means that a Plan G benefits with one carrier have to be the exact same benefits with another carrier. The only difference can be what the rates are with each carrier.

In other words, the company you go through for benefits don’t matter because the supplement plan benefits have to be the same and any Doctor or Hospital that accepts Medicare will accept Medigap plans.

Below are a few rates by age for men and women:

Male
Female

Understanding your medicare premium supplement rate structure. See how Medigap charges differ between plans.

Age	Plan N	Plan G	Plan F
76 Years Old	$155.00	$199.00	$236.00
77 Years Old	$161.00	$207.00	$246.00
78 Years Old	$168.00	$215.00	$256.00
79 Years Old	$175.00	$222.00	$263.00
80 Years Old	$180.00	$229.00	$271.00

Sample Quotes: Male – Non-Tobacco – Living in Hagerstown, MD

Click here for a custom rate based on your specific state and tobacco use.

Understanding your medicare premium supplement rate structure. See how Medigap charges differ between plans.

Age	Plan N	Plan G	Plan F
76 Years Old	$137.00	$174.00	$205.00
77 Years Old	$142.00	$181.00	$214.00
78 Years Old	$148.00	$188.00	$222.00
79 Years Old	$152.00	$194.00	$229.00
80 Years Old	$157.00	$199.00	$236.00

Sample Quotes: Female – Non-Tobacco – Living in Hagerstown, MD

Click here for a custom rate based on your specific state and tobacco use.

Get Your FREE Medicare Supplement Quote

Medicare Supplement Rates Premium Pricing Method

When you start searching for Medicare Supplement rates by age, the first thing you should consider is what the premium pricing method will be for each company.

The reason this is important to pay attention to is that you could purchase a policy when you are 65 that is super affordable, but by the time you reach 81 your rates could have skyrocketed.

You can calculate your Medigap charges based on three different ways that an insurance company can set your premium prices. It is going to depend on the state which option is offered by which company:

Community – Rated

A Community-rated policy gives everyone the same rates for a particular plan, regardless of your age. These policies can tend to be more expensive in the beginning and get more affordable as you grow older.

Issue Age – Rated

The way an issue age rated policy will work is that it will base the premiums on your current age when you buy the policy. These policies do not increase as you age.

Attained Age – Rated

An attained age rated policy will start off at a low monthly premium, and every time you have attained a new age, your premiums will increase. Most insurance companies use these types of rates for their supplement policies.

Now that we have an understanding of how policy premiums are priced let’s look at what the best Medigap plan could be for your age group.

The Best Medigap Plan By Age

One of the things you will probably run into is trying to figure out what is the best plan based on your age.

Keep in mind, that there are several factors to take into consideration when it comes to purchasing a supplement plan, not just your age. Rates are also based on whether or not you have or currently use tobacco products. We are just attempting to give you an idea of where you might want to start based on your age.

Male or Female Ages 65 – 69

More information on medicare premium for Plan N:
As a 65 year old female, you are going to probably still be in the best shape of your life with no significant medical issues and very little need to visit a doctor outside of emergencies and well care visits.

Because of this, we would say Plan N is probably going to be the best option for you. As you read above, for the lowest rates Plan N is going to be your best option, or Medicare Plan G if you don’t want co-pays.

This is great because all you will pay is a co-pay when you make any visits to your doctor.

In my opinion the Plan G or Plan N would be best for someone turning 65.

We would recommend the G for someone who does not want to worry with co-pays.

We would recommend the N for someone who is healthy and doesn’t mind paying a co-pay.

Miranda Davis Hapner

Mid America Insurance Brokerage

Female or Male Ages 70 – 80

Once you get to this age range, such as a 73 year old male looking into the best Medicare Supplement plans, your best option will be to get the plan you can afford most.

However, if you can afford it, Plan G is probably going to be the best option for you based on the fact that there are only two differences between Plan G and Plan F.

Plan G rates are a much more affordable than Plan F
Plan G doesn’t cover your Medicare Part B Deductible

When you add those two things together, Plan G becomes one of the best options around.

If we look at the rate tables above for a 70 year old female, the Plan F will cost us $164.00/month, and a Plan G will cost us only $138.00/month.

Now here is where it gets fun, the total out of pocket amount for each plan looks like this:

Plan	Premium	Part B Deductible	Annual Cost
Plan G	$138.00/month	$240/year	$1,896.00
Plan F	$164.00/month	Included	$1,968.00

We are talking about a total annual savings of $86.00 which is right around $7.00/month in savings. While this particular example shows only a small savings, it still does not make sense to pay extra for Part B deductible coverage if you still save money with Plan G.

Depending on the plan (especially the older ones) you currently have, the savings could be far greater.

What About Plan F?

In all honesty, Plan F will be going away soon, and if you currently have Plan F, you will probably find more savings by switching to a Plan G now and forking over that small annual deductible.

We don’t see any reason for someone new to join into a Plan F, and if you are a 76 year old male or a 77 year old female, then we think you should be reaching out to us for some quotes on a Plan G, just to be on the safe side. Rates are changing every year, so it pays to get a quote from us.

Pros & Cons Of Medicare Supplement Plans

We haven’t found anything in life that is perfect yet, so it would be crazy to think that Medicare supplement plans are, below we discuss the pros and cons:

Pros

Your Acceptance Is Guaranteed For 6 Months

The month you turn 65 you qualify for whats known as your IEP or Initial Enrollment Period, which will last for 6 months.

As long as you enroll in Medicare A & B, you can get approved for a Medsup policy no matter what your current medical conditions are, just think of it like a one time get out of jail free card. Once again, you are going to be looking at the different rates for plans available in your area.

Your Policy Is Guaranteed Renewable

As long as you pay your monthly premiums, your policy is guaranteed renewable, which means you don’t have to go through underwriting to renew the policy.

This is an awesome benefit because you can’t loose coverage due to an illness or for being diagnosed with anything.

An Extra Year of Hospitalization Coverage

When you have used up all of the hospitalization coverage that comes with traditional Medicare, your Medsup plan will kick in and give you an additional 365 days of coverage.

This is a great benefit because in the chance that you to stay in the hospital for more than a year, you are covered. This benefit is part of your basic benefits and is built into the rate of the Medicare Supplement plan.

Cons

Rates Change Annually

Like most health insurance products, Medsup plans renew on an annual basis which means that your rates can also go up on a year-by-year basis.

Getting a rate increase is not pleasant! It’s always best to talk to one of our advisors to see if current rates with increases on your supplement plan has made your policy more expensive than others we have available.

Prescription Drugs Aren’t Covered

Part D of Medicare, which is Prescription Drugs, isn’t covered or included with a Medsup plan, you must still purchase this product separately.

Prescriptions can be very important depending on your current health situation and will determine how much additional coverage you may be able to afford.

As part of our service we can assist you with finding the right prescription drug plan once we get you set up for your Medsup plan.

Could Be Hard To Switch Later If You Have Medical issues

Once you are covered and after your 6 month initial enrollment period, if you decide to switch to another Medsup plan it is possible that you can be denied new coverage if you don’t pass the underwriting.

Since you are only protected with guaranteed issue status during your Initial Enrollment Period, if you don’t pass the guidelines for underwriting, you might be stuck in the Medsup plan you started with.

Hopefully this gives you a general overlay of the pros and cons of a Medsup policy.

We can work with you to figure out which option would be best for you and give you the most savings. It only takes a few minutes of your time to see if you can save on your supplement rates.

Medicare Supplement Rate Increases

Will my Medicare Supplement insurance have a rate increase?

This is one of the easiest ways to quickly determine whether you should continue talking with the agent who is trying to sell you the plan. Why?

Any agent who tells you that a supplement plan will not increase current premiums is simply not telling you the truth. If they can’t tell you the truth about something as simple as this, you can only imagine the whoppers you are going to be told after you get your first rate increase.

Are there times when supplement plans don’t have a rate increase? Yes, but that is not the case year after year. Sometimes an insurance company will actually reduce rates on a particular plan if they find that they are not competitive at all or end up with an abnormally low claim ratio for the previous year. Once again, don’t count on this happening.

You will find that supplement plans will have a rate increase each year. The rate increase will typically take effect when your policy renews. In some cases, an insurance company may do a small rate increase when you have an age change and then another one on the policy anniversary. This usually happens when your birthday month is not the same as the policy anniversary month.

Get Your FREE Medicare Supplement Quote

What Can Cause My Supplement Rate Increase?

There are several factors that influence a supplement rate increase. Let’s look at just a few of those factors:

When Medicare increases the annual Part B deductible.
When Medicare increases the Part A deductible and co-payments.
Increase costs in healthcare
Higher than expected claims payout by the insurance company for all policyholders in a particular supplement plan (ex. Plan G has a 9% increase due to high number of claims being paid out, but Plan N only has a 2% rate increase due to a lower amount of claims being paid out).

Why do so many retirees end up paying more for their Medicare Supplement plan than they have to?

Most retirees believe that they cannot qualify for a new plan due to their health. While current health conditions do play a role in underwriting, there are many conditions that carriers do not consider deal breakers. Another reason why many are overpaying is because they don’t want to go thru a high-pressure sales call just to see if they can reduce their monthly premiums.

This is exactly why we make things easy for retirees. Our advisors understand that shopping for health insurance is not fun. In fact, it can cause as much anxiety as walking onto a car lot. When you contact our company, we are going to remove the anxiety and make it a very simple process. First, we are going to simply ask you the following questions:

Who do you currently have your Medicare Supplement insurance with?
Which Medicare Supplement plan do you currently have (shows on your insurance card)?
What zip code do you live in?
What is your current age?
Do you use tobacco or not?

From this limited amount of information, we can see which plans are the most competitive in your area. At this point we need to now look at your current health conditions and then narrow down which companies you could potentially qualify for coverage with. The key thing is that we are doing the work and you are simply just answering some questions. Typically, our advisors will show you up to three insurance company options, but will steer away from carriers that have had larger rate increases over the last 5-7 years.

Here is the great thing…no one is going to try and pressure you into switching your current plan. If you like what we have to offer, then great. If what we have to offer does not put you in a better position, then we will tell you that and advise you to keep what you currently have. The worst-case scenario is that you walk away knowing that you are in the plan that you need to be at a great price. The best-case scenario is that you find out we can get you the exact same coverage at a much lower rate and put money back in your pocket each month. You don’t have to wait until you get another rate increase to find out if you can start saving money now.

Plan N vs Plan G vs Plan F Medicare Supplement Rates

We put together a quick summary of the difference in the 3 major plans which are Plan N, Plan G, and Plan F, keep in mind that Plan F will be going away soon, but the option is still available:

BENEFITS	PLAN N	PLAN G	PLAN F
Part A HospitalCo-Insurance	YES	YES	YES
365 Hospital Reserve Days	YES	YES	YES
Part B Co-Insurance /Co-Payment	YES	YES	YES
Blood Benefit(First 3 Pints)	YES	YES	YES
HospiceCo-Insurance /Co-Payment	YES	YES	YES
Skilled Nursing Facility Co-Insurance	YES	YES	YES
Part A Deductible	YES	YES	YES
Part B Deductible	NO	NO	YES
Part BExcess Charge	NO	YES	YES
ForeignTravel Benefit	80%	80%	80%
Out Of Pocket Limit	N/A	N/A	N/A

Can I Get A Medigap Plan At Age 80, 85, or 90?

The short answer is Yes, you can get a Medigap plan at the age of 80, 85, or 90 because there is no age limit on a Medigap Plan.

However, the better question is will you be able to afford it and would you qualify medically at that age if you were just starting Medicare or If you were trying to switch to a more affordable plan.

We can’t stress enough the importance of planning out how you will pay for your Medigap plan when you first purchase it. Medicare Supplement plan rates will typically go up each year so planning for the future is important.

Nor can we stress enough the importance of enrolling into Medicare Part A & B as early as possible.

If you are an 80 year old female or male in great health and you think your Medigap rates are entirely too high then we suggest reaching out to us so that we can look into getting you a lower rate.

Taking Action For Better Medicare Supplement Rates

The best thing about insurance is that it doesn’t cost you anything to find out if you can get approved or covered for a much lower rate. Let Senior Benefit Services provide you a side by side comparison of rates in your state.

The process is going to be different for everyone; however, you shouldn’t let that deter you from seeking out more affordable coverage.

No matter if you are turning 65 or 75, feel free to call us at 1.800.924.4727 and get local medicare rates for your area, or fill out our form below for some quick rates. We will review medicare deductibles for each plan and discuss how medicare deductibles affect total costs. Lock in your supplement rate today.

Other ways to reduce your Medicare Supplement premiums

Be open to possibly reducing one of your benefits. For many years the most popular Medigap plan purchased was Plan F. This plan was considered the top-of-the-line plan since it covered all Medicare approved charges, provided first dollar coverage by paying all deductibles and co-payments, and even provided 100% protection for excess charges. Many folks can reduce their annual premiums by $500 or by simply moving to a Plan G. The Plan F and Plan G are the same in coverage except that the Plan F pays the annual Part B deductible for the policyholder and the Plan G does not.

Another way to reduce premiums is to look at a Medicare Supplement that has cost sharing features. The most popular plan that does this is Plan N. With this plan, you are going to have a small co-payment when you visit your doctor or must go to the emergency room. This plan many times can dramatically lower the client’s monthly premiums, but it does require them sharing in the overall costs a bit.

Should you switch to a Medicare Advantage plan to save money?

Keep in mind that if you are considering moving from a Medicare Supplement plan to a Medicare Advantage plan that you are now comparing apples to oranges. To understand more about Medicare Advantage plans click our article here.

If you are seriously considering a Medicare Advantage plan, we do not recommend trying to enroll in one directly with the carrier. You will want an honest agent to walk you thru all the areas that you will be responsible for in the way of co-pays and co-insurance. An example of this would be the daily hospital co-pays. Most plans have you pay a hospital co-pay for the first 5-7 days you are an inpatient. This is not a $20 co-pay that you would make to your primary care physician but rather a $300+ per day co-pay. Many times, just one hospital stay could end up making your total out of pocket expense higher than what your plan premium would cost you for the year.

Let Us Help You

If you are even just the slightest bit curious as to whether you can lower your Medicare Supplement premiums, then give us a call at (800)924-4727 or click the button below.

Medicare Annual Election Period 2024: Part 2

As promised, in this part we will be talking about the Joe Namath and JJ Walker television commercials, and why when things sound too good to be true…they usually are!

UPDATE: New rules will prevent misleading advertisements such as this from being aired.

In Part 1 we started discussing the Medicare Annual Election Period and what kind of changes you can make to your existing coverage. We discussed the initial prep work that you could start doing in regard to your prescriptions. In Part 2 we are going to look at why you might need to change your Medicare Advantage plan and some of the common questions and the confusion surrounding the commercials we see on television with Joe Namath and JJ Walker.

Why would you need to change your current Medicare Advantage plan?

Keep in mind that most Medicare Advantage plans have a built-in prescription drug plan component. Sometimes Medicare Advantage plans remove drugs from their formulary that they once covered. An example would be that you are on Crestor, but the plan replaces that drug with the generic Rosuvastatin. You might decide that you want to continue to take Crestor. At this point you would need to either find another Medicare Advantage plan that covers this prescription or be willing to pay for Crestor out of pocket.
If you have recently been put onto a new prescription or have to switch to a different prescription you need to make sure that it will be covered in the upcoming plan year formulary.
Medicare Advantage plans also make increases to their daily hospital co-pays which can expose you to a large amount of money out of pocket. While many of our clients use a hospital indemnity plan to help offset these expenses, you will still want to know what your financial exposure is each time you would have to go into the hospital.
In certain situations, a Medicare Advantage Plan carrier may decide to not renew their plan in a certain county(s) or even a whole state. If this were to happen you would need to find a new Medicare Advantage Plan or you prefer to switch back to original Medicare and get a Medicare Supplement and stand-alone Part D prescription plan.
Finally, remember that physicians and other providers are not required to participate in any plan’s network. If you are in an HMO and your doctors decide to no longer accept that plan, then you will need to find another doctor or another plan which they accept. If you are in a PPO and your doctors decide to no longer accept that plan, then you have an extra option. A PPO plan will allow you to see a doctor who is out of network, but you will usually have to pay a higher amount of the expenses than you normally would if they were part of the plan’s network.

The Medicare Annual Election Period is where you can make the needed changes to your Medicare Advantage Plan.

Do you need to change your current Medicare Supplement plan?

No, the Medicare Annual Election Period is for changes to Medicare Advantage and Part D Prescription drug plans. You can look at switching your Medicare Supplement plan to another Medicare Supplement plan at any time of the year. If you would like a free, no-hassle, no-obligation price comparison then we have you covered!

Are you required to make any changes during the Annual Election Period?

No, if you are satisfied with all your current coverage the way it is, then there is nothing for you to do. To see what changes you can make during this period check out our article here.

What if you decide that you want to switch from a Medicare Advantage Plan to a Medicare Supplement plan?

The first thing you will want to do is contact Senior Benefit Services to find out if you can qualify health wise for a Medicare Supplement. Keep in mind that the Annual Election Period allows you to switch back to Original Medicare, but it does not guarantee you acceptance into a Medicare Supplement plan.

If your health allows you to qualify for a Medicare Supplement plan, then you will also need to enroll into a stand-alone Part D prescription drug plan. It is important to find a plan that will cover all your prescriptions at the lowest total out of pocket costs.

While this can sound a bit overwhelming, Senior Benefit Services will make it extremely easy and do the heavy lifting for you.

Wouldn’t I get more benefits if I call the 800# on the Joe Namath commercial?

Nope! Before we get into the commercial themselves, keep in mind that many times these commercials are not for an insurance agency, but rather what is called a lead aggregator. A lead aggregator runs these commercials and when a consumer calls in, they are transferred to an agent or call center that has paid for a lead. This means you could end up talking to just about anyone without knowing their background or experience.

Let me be perfectly clear, we have nothing against Joe Namath or JJ Walker. They are being paid to do a commercial and read a script. They likely don’t even know very much about what they are reading, so lets be sure not to blame them or accuse them of being in the wrong.

As for the commercials themselves, they are more of a blend of different types of plans rather than one specific plan. What this means is that some of the benefits might be for those who are on both Medicare and Medicaid due to having a low annual income. If you are not on Medicaid then you will not be able to get those benefits.

Also, you need to understand that some benefits might only be available in certain plans that are in certain counties of the state you are a resident of. The easiest way of understanding this would be to think of a big box gym such as Gold’s. Let’s say that in the state of Florida they have 50 locations, but the only location that has not only all the latest equipment, but has an indoor pool, tanning beds, daycare, and saunas is located in Orlando. Instead of coming right out and telling you this in the commercial, they talk about all of these wonderful amenities in hopes that you will at least go visit your local Gold’s Gym. In other words, they want to get you in the door. The same goes for these Medicare Advantage commercials where they sole focus is to get you to call in so they can sell the lead to someone. None of the plan benefits that are discussed in the commercial might be available in the county you reside in, so they will simply try and sell you another plan. The sole purpose of the commercial is to get you to call. Too bad you wouldn’t get to talk to Joe Namath or JJ Walker.

Learn About Common Scams That Target Seniors

Instead of dealing with this type of nonsense, wouldn’t it be much better to call Senior Benefit Services and find out what is available to you based on where you live? There is no pressure, cost, or obligation to work with us.

Call (800)924-4727 or click here today to get honest information without any pressure or misleading information. Our agents make Medicare easy!

Medicare Open Enrollment 2024

Medicare Open Enrollment Period 2024…Get Ready…Get Set…GO!

Let the craziness begin! The Medicare Open Enrollment 2024 period is upon us and everyone is having to suffer. Personally, I think having to watch commercial after commercial on the television about Medicare Advantage plans is about as fun as listening to nails on a chalkboard!! You know the commercials…Joe Namath and JJ Walker talking about ‘getting the benefits you are entitled to’. Of course, these commercials are not all they seem to be.

UPDATE: Due to newer legislation, these types of confusing commercials are no longer allowed. Don’t get too excited, since these advertisers will work hard to find ways to work around the newer advertising rules, but hopefully they should not be as hard to watch. Personally they are a great time to go grab a glass of water and take care of your health.

Too learn more about the Medicare Advantage commercials check out our article found here.

So Why Is It Called The Open Enrollment Period?

That is a fantastic question, since the enrollment period from October 15^th – December 7^th was actually the Annual Election Period. For some reason years back, Medicare started running commercials themselves and kept referring to this period as the Open Enrollment period.

The reality is that the Open Enrollment period for Medicare Advantage plans starts on January 1^st of each year and runs until March 31^st. Of course, this just adds more confusion to an already confusing time. Well, enough complaining, let’s move on to what you should be doing to make the enrollment periods easier to navigate.

Keep in mind that no matter what the commercials say, or all of the junk mail pieces you get in your mailbox, you do not have to make changes during the Annual Enrollment Period or the Open Enrollment Period. If your Medicare Advantage or stand-alone Part D Prescription plan works great for you, and you did not notice any major changes in your Annual Notice of Change letter, then you can simply stay where you are. If you find that your plan isn’t working for you or there are major changes coming for the following year that will negatively impact you, then a change will likely be needed.

In this post I will explain how these periods of enrollment differ, and how they can be used. Just sit back, relax and know that by the end of this article you will have an idea of exactly what you need to do.

What Can I Do During the Annual Election Period?

As we stated earlier this is also now called the Medicare Open Enrollment Period on most commercials that you see. During the period of October 15^th – December 7^th you can:

Stay in your current plan if it works well for you
Change from one Medicare Advantage plan to another Medicare Advantage plan
Change from one stand-alone Part D Prescription plan to another stand-alone Part D Prescription plan
Change from Original Medicare (Parts A & B) to a Medicare Advantage plan (Part C)
Change from a Medicare Advantage plan to Original Medicare and enroll in a stand-alone Part D Prescription plan.

What Are Some of the Reasons Why I Would Change My Plan?

Starting January 1, 2025 the maximum out of pocket cap for prescriptions will be $2,000. There is no longer a coverage gap that Medicare beneficiaries must worry about.
Your Annual Notice of Change letter shows that your prescriptions will either not be on next year’s formulary (list of approved medications) or moves to a higher tier which will cost you more in either co-payments or co-insurance. A prescription moving from a Tier 1 to a Tier 2 is not going to be outrageous, but a Tier 2 prescription moving to a Tier 4 will be. You will actually go from making a flat co-payment to paying a percentage of the actual prescription cost.
The Medicare Advantage plan you have will have a change in the provider network. This means that maybe a hospital you like to use or your favorite doctor has decided to no longer be part of the plan’s network.
The Medicare Advantage plan is no longer available in your resident county. When this happens, you will either need to choose another Medicare Advantage plan or return to Original Medicare and enroll in a stand-alone Part D Prescription plan.
The Medicare Advantage plan has a premium increase for next year that makes it unaffordable, and you want to enroll in a less expensive plan.

The key thing to remember is that our advisors here at Senior Benefit Services, Inc can help you navigate thru these rough waters. If you really need to make a change, they will advise you on your best options. If you don’t need to make a change, then they will advise you to remain in your current plan and just ignore all the junk mail, television, and radio commercials.

What Should I Do If I Have a Medicare Supplement plan?

The great news is that the Annual Election Period (Medicare Open Enrollment Period) does not apply to Medicare Supplements. The reason why is that each year your Medicare Supplement core benefits will not change. If you have a plan that covers the Part A deductible, then your plan each year will continue to cover that cost. It doesn’t matter that the Part A deductible goes up every year, because your Medicare Supplement plan will still cover it.

This means that you do not have to make any changes to your Medicare Supplement plan during this period of time.

What If My Medicare Supplement Premium Went Up This Year?

Sorry to say, but Medicare Supplement plans are health insurance policies and due to rising medical costs and claims being paid out, these plans will typically go up each year.

While your premium may go up, your benefits don’t go down.

You are free to shop your Medicare Supplement plan during the Medicare Open Enrollment 2023 Annual Enrollment Period, the same as you are free to shop your plan any other time of the year.

One point that I want to make very clear is that the Annual Election Period (Open Enrollment Period) does NOT provide any special provisions to guarantee you to get another Medicare Supplement.

Wait A Minute…the Medicare Commercials All Say Now Is the Time to Make Changes and I Can’t Be Turned Down!

This is 100% true for Medicare Advantage and stand-alone Part D Prescription plans. Keep in mind that Medicare Advantage plans typically only have 1 health question on their application and that asks whether or not you have End Stage Renal Disease (ESRD). The stand-alone Part D prescription plans have no health questions at all. This is the reason why you can easily change these plans.

Since this enrollment period has never applied to Medicare Supplement plan (since it originated in 2006) you would have to answer the health questions and qualify to get a new Medicare Supplement plan.

To see if you can lower your Medicare Supplement plan premiums, simply click on the button below. It is easy, fast, and there is absolutely no obligation.

What Can I Do During the Medicare Advantage Open Enrollment Period?

This period which runs from January 1^st – March 31^st allows you to:

Switch to a different Medicare Advantage plan (if you are already enrolled in a Medicare Advantage plan to begin with).
Switch from a Medicare Advantage plan to Original Medicare. You will also now need to enroll in a stand-alone Part D Prescription plan so that you do not incur a penalty.

IMPORTANT REMINDER: This is for Original Medicare only and does not pertain to Medicare Supplements.

What Are My Next Steps?

To make this easier, lets break it down into three categories:

Category 1 – You are an existing client of Senior Benefit Services, Inc. The first thing you should do is review your Annual Notice Change Letter to see if there are any plan changes that will negative effect you. The next step would be to also take note if you had any new prescriptions added this year that are in a higher Tier pricing. While your current plan may cover it, another plan may cover the prescription at a lower Tier pricing which saves you more money. If there are notable changes to your coverage or changes in your prescription costs, then you should contact your Senior Benefit Services advisor to schedule a review. Many of our clients simply prefer to have a standing annual review each year for peace of mind.

Category 2 – You are not an existing client of Senior Benefit Services, Inc. but feel that our well-known top shelf service would be of great value, then feel free to call (800)924-4727 and we will have an advisor assigned to you.

Category 3 – You are someone who enjoys doing everything yourself. While this path is filled with lots of confusing information to digest and understand, you can opt to do this. Keep in mind that you will not be saving any money since premiums are set by the plans and approved by CMS, but you can call Medicare directly at 1-800-MEDICARE for help or go to Medicare.gov and use the Plan Finder on their website.

We would enjoy having the opportunity to show you why so many Medicare beneficiaries love working with our company and have been with us for decades. You will always receive straightforward, honest advice that benefits you and not the insurance company. Contact us to make the Medicare Open Enrollment 2023 season relaxing. Remember…We Make Medicare Easy!

Medicare Supplement Plans in Virginia

Best Medicare Supplement rates for Virginia (VA)

Are you currently looking for the Best Rates for Medicare Supplement Plans in Virginia? There is good news and there is a bit of bad news. The good news is that monthly premiums in the state of VA are on the lower side. The bad news is that the state of Virginia allows for what is called ‘area factoring’. This means that in certain zip codes the rates for the same Medicare Supplement plan for the same exact age can be higher or lower than other parts of the state.

The Two Most Popular Medigap Plans: Plan G and Plan N

Currently the majority of newly purchased Medicare Supplement plans consist of Plan G and Plan N. Previously it was Plan F, but those folks going onto Medicare after January 1, 2020 are not able to purchase a Plan F, so this has given rise to Plan G’s popularity.

While Plan G is quite popular the Medigap Plan N is gaining quite a bit of ground due to its lower costing premium. The main differences between Plan G and Plan N is that the latter does not cover excess charges and also requires a co-pay when you visit the doctor or go to the emergency room.

BENEFITS	PLAN N	PLAN G	PLAN F
Part A Hospital Co-Insurance	YES	YES	YES
365 Hospital Reserve Days	YES	YES	YES
Part B Co-Insurance/Co-Payment	YES	YES	YES
Blood Benefit (first 3 pints)	YES	YES	YES
Hospice Co-Insurance/Co-Payment	YES	YES	YES
Skilled Nursing Facility Co-Insurance	YES	YES	YES
Part A Deductible	YES	YES	YES
Part B Deductible	NO	NO	YES
Part B Excess Charge	NO	YES	YES
Foreign Travel Benefit	80%	80%	80%

Comparing Medicare Supplement Plan G, Plan N, and Plan F

Get Your Free Quote By Completing The Form Below:

Best Rates for Medicare Supplement Plans in Virginia (VA)

Comparing cities, Medigap Plan F premiums for male non-tobacco users differ by about $25 between Virginia Beach and Winchester.

Typically your more expensive rates are going to be for cities like Arlington, Virginia Beach, Norfolk and Chesapeake. In these cities, Plan F sample rates for a 70-year-old male non-tobacco user start at $158.72. For a 70 year old female who is a non-tobacco user, the rate for Plan F is $138.13. If you joined Medicare on or after January 1, 2020, you cannot purchase Plan F.

The least expensive cities to get the best Medigap rates are found in Richmond, Roanoke and towns such as Winchester.

Supplement rates for these lower costing areas for a 70 year old male, non-tobacco user, start around $135 per month for Plan F. For a 70 year old female, non-tobacco user, the rates start aound $117 per month for Plan F.

To make comparing plan pricing easier for you, please refer to our Medicare Supp Rate Comparison Chart below. In addition, to learn more about Medicare in Virginia you can visit the Virginia Medicare State Website.

Virginia Sample Medicare Supplement Plans F, Plan G, & Plan N – Quotes for Male/Female age 70, Non-Tobacco User.

STATE OF VIRGINIA	MALE	FEMALE

Quotes are for age 70, non-tobacco users

City	Zip Code	Plan F	Plan G	Plan N	Plan F	Plan G	Plan N
Virginia Beach	23450	$158.72	$131.15	$102.00	$138.13	$114.40	$90.07
Norfolk	23324	$158.72	$131.15	$102.00	$138.13	$114.40	$90.07
Chesapeake	23320	$158.72	$131.15	$102.00	$138.13	$114.40	$90.07
Arlington	20330	$181.68	$155.92	$107.12	$157.94	$127.98	$93.21
Richmond	23173	$135.20	$111.58	$86.08	$117.56	$97.36	$76.58
Roanoke	24001	$135.20	$111.58	$86.08	$117.56	$97.36	$76.58
Winchester	22601	$135.20	$111.58	$86.08	$117.56	$97.36	$76.58

The above Medicare Supplement rates do NOT include any household discounts.

Save money on your Medicare Supplement insurance

Start Saving Money on Your Monthly Medigap Premiums NOW!!

There are many factors that go into determining which Medicare Supplement plan is not only best for you, but will also fit your monthly budget. Senior Benefit Services, Inc has been helping folks just like you keep more money in your own pocket each month. Give us a call at (800)924-4727 or fill out the easy contact request form above.

Average Cost of Medicare Supplement Plans

When you’re considering Medicare Supplement coverage, one question that often comes to mind is: How much does a Medicare Supplement plan cost? It’s an important question, but finding an exact answer can be challenging due to various factors.

Factors such as your age, the plan you chose, tobacco usage, and even location (the state and county you live in) can all impact the cost of Medicare Supplement (also known as Medigap) plans. While it’s difficult to pinpoint an exact price, you’ll find that premiums typically range from $50 (for a High Deductible Plan G) to $500 or more on some of the older plans that have gone up over the years. As you can see, that is a very broad range of premium costs, but in our article we will drill this down to give you a better average.

In the following sections, we’ll explore the average costs of some highly-rated Medicare Supplement plans, discuss the factors influencing costs, and provide insights on how you can obtain cost-saving benefits while ensuring proper coverage.

The Need for Medicare Supplement Plans

Medicare provides vital health coverage to millions of seniors across America, but it’s not perfect. That’s where Medicare Supplement Insurance, also known as Medigap, comes in. These private policies help fill the gaps in traditional Medicare coverage, such as deductibles, copayments, and coinsurance. A Medicare Supplement plan protects you from unexpected medical bills that could otherwise deplete your savings, and provides peace of mind. Plus, with a wide variety of plan options available, you can choose the coverage that best fits your individual needs and budget. So if you want to ensure that you’re fully covered for all of life’s curveballs, consider Medicare Supplement Insurance.

What Factors Influence The Average Cost of Medicare Supplement Plans?

When it comes to Medicare, many individuals turn to supplemental insurance to help offset the costs of healthcare. However, the cost of Medicare Supplement premiums can vary based on a variety of factors. Age is one of the biggest contributors, with premiums typically higher for older individuals. Tobacco usage will cause you to pay a higher premium, and in some states a male will typically pay a higher rate than a female who is the same age. Additionally, health status plays a role, as those with pre-existing conditions may see higher premiums due to some of the lower costing insurance carriers having more restrictive underwriting. Consider these factors when selecting a Medicare Supplement plan to meet your health needs and budget effectively. With a little bit of research, you can find a plan that fits your individual needs and circumstances.

What To Look for When Deciding on a Medigap Plan?

Navigating the world of Medicare can be a daunting task, especially when it comes to selecting the right Medicare Supplement policy, or Medigap. It’s important to understand what to look for when shopping for coverage options. With so many options available, it can be challenging to determine which policy is right for your specific needs. Some key factors to consider may include the amount of hospital and doctor coverage included in the plan, whether prescription drug coverage is included or if it’s a stand-alone option, and if the policy covers any out-of-pocket expenses. Choosing a suitable Medigap plan can give you peace of mind and ensure full coverage for your healthcare needs.

Medicare Supplement Plan Costs in Open Enrollment

Does the Open Enrollment Period affect the cost of your Medicare Supplement plan? The answer is No. When you are first eligible for Medicare and enter your open enrollment period, this is when you have the opportunity to enroll into any Medicare Supplement plan that is available to you in your state with no underwriting.

Now finding the right healthcare plan can be a tricky task, especially when you’re on a budget. During the open enrollment period, it’s important to educate yourself on the available plans, including Medicare Supplement and Medigap policies, and choose which one best suits your needs. Remember, the plan may involve costs beyond just the premiums. Consider the co-pays, deductibles, and other out-of-pocket expenses to get a better understanding of what you’ll be responsible for paying. Comparing plans from different providers helps identify the one offering the most comprehensive coverage at the best price. Staying informed and diligent during enrollment lets you find a plan that fits your budget and healthcare needs.

Medicare Supplement Plan Average Cost

As we stated earlier, there are multiple factors that will determine your Medicare Supplement monthly cost. One of the bigger factors is age. You can see sample Medicare Supplement costs for ages 65-69 here. You will likely notice that the premium difference between ages 65-68 is not significant.

Where we start to really see a bigger price differential is when we enter the age bracket of 70-75. To see sample rates of Medigap plan costs for these ages click here. Premiums at these ages increase by about $6 or more each month, unlike the $1-$3 increase seen at younger ages.

In the 76 and older age bracket, the insurance carrier prices plans considering potential health declines common at that age. This is when we will see typical rates up over $200+ per month. Sample rates of ages 76-80 can be seen here.

If we look at just the top 5 Medicare Supplement carriers in several states, you will see that none of them come close to $500 per month. So why did we mention average premiums being up to more than $500 per month? Believing they won’t qualify for a new plan, many stick with their original one, which may have over 15 years of claims experience.

Current Medicare Supplement Cost Examples

Let’s look at an example below for Omaha, Nebraska (zip code 68007 in Douglas County).

Age	Monthly Premium
65	$106.56
70	$110.12
75	$129.44

Plan G for Female, Non-Tobacco User, NO Discounts Included

The highest priced Plan G in this zip code will actually shock you. These rates are based upon the same criteria as above. The highest priced Medicare Supplement Plan G in this zip code is over $600 per month!!

Let’s look at another example below for Richmond, VA (zip code 23173)

Age	Monthly Premium
65	$93.45
70	$95.98
75	$112.02

Plan G for Female, Non-Tobacco, NO Discounts Included

The highest priced Plan G in this zip is $368.30!

Last but not least, lets look at the average rates for the resident state of Mickey Mouse in Orlando, Florida (zip code 32789)

Age	Monthly Premium
65	$172.24
70	$184.68
75	$207.72

Plan G for Female, Non-Tobacco, NO Discounts included

The highest priced Plan G in this zip is $326.79 which is actually a bit better than the other states we have discussed.

If your coverage is with a carrier that halted new sales, your premiums could surpass those listed in our examples. The reason is that the highest costing plans that we have provided are ones that are still available for sale in that state. If a carrier chooses to discontinue business in a certain state, they can cease accepting new policyholders. However, they must still settle claims and renew current policies as long as the premiums are timely paid. New, younger policyholders are not entering the business, and existing ones age yearly, pushing rates potentially above $500 monthly.

Takeaway

To make sure you are getting the best coverage at the most competitive price, don’t try going at it alone. Contact Senior Benefit Services, Inc today at (800)924-4727. Remember, ‘We Make Medicare Easy’!

Free Medicare Supplement Plan Comparison

Medicare Supplement Plans Maryland

Are you a senior/retiree living in Maryland searching for the best Medicare Supplement plan? Medicare Supplement Plans are great for extra coverage of costs not covered by original Medicare. You can customize the plan that best suites you, but it’s important to have a good understanding of the plans. Here we’ll provide all the information necessary on how to get started with supplement plans in Maryland.

Medicare Supplement Quote Request for Maryland

What is a Medigap Plan and How Can It Help with Medical Expenses in Maryland

A Medicare Supplement Plan, also known as Medigap insurance provides coverage for expenses not covered by Original Medicare. Some of the gaps in Medicare are deductibles, co-payments, and coinsurance. Marylanders can select from Medigap plans offered by private insurers, that vary in coverage and costs. Seniors in the state of Maryland can gain financial security with a Medicare Supplement plan. A Medigap policy offers peace of mind with no network worries. Use your own doctors and hospitals!

Many Choices Available in Maryland

Already enrolled in Medicare? Residents of Maryland enrolled in Medicare may know Medigap plans help cover gaps in coverage. There are multiple types of plans available depending on your personal needs. Each plan offers different benefits and varying coverage levels, so it’s important to explore all your options before choosing one. With up to 12 different plans to choose from, it may seem overwhelming, but don’t worry, our advisors make it easy.

Best Medicare Supplement Plans Available in Maryland

First things first! Just like other states, the Medigap plans in Maryland are all standardized, so the benefits for a Plan N are the same for every insurance company. Currently the most popular Medicare Supplement plans in Maryland are Plan F, Plan G, and Plan N.

While Plan F is the most comprehensive when it comes to benefits, not all Marylanders are eligible to enroll. Only those individuals who went onto Medicare prior to January 1, 2020 are eligible. If you went onto Medicare after this date, then don’t despair. Medicare Supplement Plan G is almost identical to Plan F when it comes to benefits. The only difference is that Plan G does not cover the annual Part B deductible.

So how does Plan N fit in? Medicare Supplement Plan N offers solid benefits with typically a lower premium. Plan N may be ideal for Marylanders with tight budgets. With Medigap Plan N you get all the same benefits as Plan G, except for excess charge coverage. For many this is not a big issue since over 96% of the providers in Maryland participate in the Medicare Assignment program and do not balance bill for excess charges.

Medicare Supplement Plan F vs Plan G vs Plan N

How Much Does A Medicare Supplement Plan Cost In Maryland

In Maryland? Curious what a Medicare Supplement plan costs? The charts below outline some of the current pricing for both males and females. You may see rates less than these listed on other websites, but many of those rates include discounts such as household or active wear. We prefer not to list those since not all folks qualify for them. Our advisors will of course look for each and every discount to help you get the best pricing for your Medigap plan. Once again it is important to remember that if you went onto Medicare January 1, 2020 or later, you are not eligible to enroll in Plan F.

How to Determine Which MD Medicare Supplement Is Right for You

Are you confused about which MD Medicare supplement plan is suitable for you? Don’t panic! First, evaluate your medical needs and budget. Consider the doctors you visit frequently and ask them if they participate in the Medicare Assignment program. This is making sure that they do not balance bill for an additional 15% over what Medicare approves.

Then, take a look at the prescriptions you are currently taking and make sure that your stand-alone Part D plan covers those at the lowest possible costs. When it comes to getting help with your Part D plan premiums, there is a state program that is based off income and not assets. Many seniors in Maryland qualify for this benefit.

Lastly, while many folks are turning to Medicare Advantage plans due to the low monthly premiums, it is important to remember that plan networks in Maryland are much smaller in the rural areas than in the larger cities.

Medicare Advantage Plans in Maryland

Are you feeling overwhelmed about choosing a Medicare supplement plan in Maryland? Depending on your budget, you may feel that a Medicare Supplement plan may simply cost too much. The commercials on TV touting little to no premium Medicare Advantage plans may seem like a no-brainer. While a Medicare Advantage plan might seem appealing, it is important to understand that it is not the same as a Medicare Supplement plan.

Many of our clients do opt to get a Medicare Advantage plan from us, but our advisors make sure that you completely understand that these plans use a cost-sharing approach. This means that you will have co-pays and even co-insurance payments that you will need to pay when receiving care. Some examples of these co-pays include small ones when visiting your primary care physician, but large ones when there is a hospital stay.

How to Sign Up or Make Changes to Your Existing MD Medicare Supplement Plan

Signing up or making changes to your existing MD Medicare Supplement Plan may seem like a daunting task, but it doesn’t have to be. At Senior Benefit Services we make it EASY! Fortunately, we make the process simple and straightforward. We will help you understand what Medicare Supplement plans available and which ones you should consider. If you already have a Medicare Supplement plan it is always in your best interest to get a comparison quote. To review your current Medigap policy and pricing, you can either call us at (800)924-4727 or complete our online quote request.

Aetna Senior Products Plan G

Are you a senior looking for the peace of mind that comes with having comprehensive health coverage? If so, you should consider Aetna Senior Products Plan G. As one of the most popular supplemental healthcare options, this plan gives seniors reliable coverage and affordable costs.

While many seniors are very familiar with Aetna Senior Products Plan F as being their most comprehensive benefits plan, the Aetna Senior Products Plan G is almost identical in coverage except that it does not provide coverage for the annual Medicare Part B deductible. Read on to learn more about what makes Aetna senior products plan G one of the best options out there for older Americans.

Click here for a summarized printable version of Aetna Senior Product Plan G.

Get Your FREE Aetna Senior Product Plan Quote

Overview of Aetna’s Senior Products Plans

Many retirees prefer to have a comprehensive healthcare plan that meets all their needs. Aetna Senior Products are designed to provide coverage for a wide range of healthcare services, including hospitalization, skilled nursing care, and physician services. With Aetna Senior Products Plan G, seniors have the freedom to choose their healthcare providers without worrying about the restrictions of a network.

In addition, the plan offers coverage for excess charges beyond what Medicare pays, ensuring that seniors have the protection they need against unexpected medical expenses. Overall, this Aetna’s Senior Product is an excellent option for seniors who want comprehensive coverage and flexibility in their healthcare plan.

What Is the Aetna Senior Product Plan G?

10 standardized medicare supplement plans are available in most states and this Medicare Supplement Plan is one of them.

It is also called Medigap Plan G, or Medsup Plan G, no matter the name it is still an optional insurance product that is offered through private insurance companies.

This Aetna Senior Product Plan G would work in parallel with Medicare Part A (which is hospital insurance) and Medicare Part B (which is medical insurance)

Medsup insurance plans generally help you fill the gap of coverage that is left by Original Medicare.

The states of Massachusetts, Minnesota & Wisconsin don’t actually offer this Aetna Senior Product Plan because they provide their own standard Medigap benefit plans.

Medicare Part A hospital coinsurance
365 Hospital Reserve Days
Part A hospice care coinsurance or copayment
Part A deductible
Medicare Part B preventive care coinsurance coverage
Part B coinsurance or copayment coverage
Part B excess charges (see below for how this works)
First three pints of blood for a medical procedure, if the hospital has to buy blood
Skilled Nursing Facility (SNF) care coinsurance coverage
Foreign travel emergency coverage, up to the plan limit

Benefits and Coverage

If you’re in the market for a new Aetna Senior Product plan, this might be just what you’re looking for. This plan offers comprehensive coverage that can give you peace of mind in your healthcare decisions. With this plan, you’ll have coverage for your Medicare Part A deductible, which can save you money in the long run. You’ll also have coverage for skilled nursing facility care and a full year of foreign travel emergency coverage.

This plan is going to cover all of your hospital expenses as well as the $1,632 deductible that you would typically owe for any hospital stay in 2024. In 2025 the Part A deductible will be $1,676.

When it comes to outpatient care, this Medsup plan covers all but the first $240 in expenses, which is the Part B deductible for 2024. The Part B deductible will be $257 for 2025.

You will be responsible for the deductible at your first outpatient care visit for the year.

After that, this Aetna Senior Product Plan G covers all the remaining expenses.

Medicare will pay 80% of your outpatient costs, and your Medsup plan will pay the other 20%.

Another great benefit of this medsup plan is that it doesn’t require you to pay any out-of-pocket costs other than your annual Part B deductible for Medicare-covered services, which can be a huge relief for those on a fixed income. Overall, this medsup plan is a great option for those who want comprehensive coverage without breaking the bank. The chart below shows just how comprehensive this Supplement Plan is with Aetna and other carriers.

Extensive Coverage

This plan covers all of the gaps in Medicare except for the Part B annual deductible, which is only $240 in 2024.

Since we will shop your rates, we are generally able to find a medsup plan that will save you a good amount in monthly premiums over a Plan F.

We have an example below of how the savings would work for a 73 year old female going from a Plan F to a Plan G:

This is just a general example, but just imagine how much your life would change if you were able to keep an extra $30 to $50 of your money every month.

Jeremy Ryan, an Independent Advisor of Diversified Senior Services says that “G is a great deal due to the price compared to plan F. Usually $30+ cheaper a month!”

Medsup Plan G & Part B Excess Charges

One thing we like most about this Aetna Senior Product Plan G is that it covers your Medicare Part B excess charges which most Medigap plans don’t include. These excess charges are additional expenses that you might be responsible for beyond what original Medicare will cover in regards to your health care.

Some Doctors won’t accept the Medicare-approved Payment rate as the full payment, and that’s mainly where these excess charges come from.Don’t worry though because providers that don’t accept the payment assignment schedule can only charge up to 15% in excess charges above the Medicare-approved amount.This benefit alone can save you thousands of dollars in expenses annually if you are in a situation where you get Part B Excess charges.

Get Your FREE Aetna Senior Product Plan Quote

What This Aetna Senior Product Plan Won’t Cover

While a Medsup plan is full of benefits and things it will cover, there are some things that won’t be covered by a Medsup plan.

Prescription Drugs
Long Term Care
Vision / Eyeglasses
Dental
Hearing
Private Nursing

Keep in mind that before January of 2006 Medsup plans covered prescriptions; however, that is no longer the case.

It is possible that some people have been grandfathered into a plan that has that coverage, but no new Medigap plans will have those benefits.

If you decide to get coverage through At senior benefits we will assist you with getting a dental plan.

We will make sure all of your prescriptions are covered and help you select a plan that fits your needs.

You Pay Your Part B Annual Deductible

This Aetna Plan will require you to cover your Medicare Part B Annual deductible, which is $226.00 for 2023.

This will need to be paid for any outpatient services first before Original Medicare, or Your Aetna Senior Product Plan will start paying for some covered services.
The outpatient services include:

Doctor visits
Diagnostic lab and radiology
Therapies
Durable medical equipment (DME)
Medicare-covered medical supplies

After you pay the Part B deductible, this plan will cover any other treatments or expenses for outpatient services covered by Original Medicare.

Original Medicare typically pays 80% of your outpatient costs and this Aetna Plan may pay the other 20%.

Preventative Services Are Covered

Original Medicare Part B covers 100% of certain preventative care services which means that you generally won’t need to pay your Part B annual deductible before you receive benefits for things like:

A yearly flu shot
Certain preventive cancer screenings
Your annual wellness visit with your doctor

Compare Plans

Be sure to take advantage of your Welcome to Medicare physical exam, it’s a one-time, preventive physical exam Medicare covers within the first 12 months that you have Medicare

Eligibility for this Plan

This Aetna Plan is a comprehensive coverage option that offers seniors extra benefits beyond Original Medicare, such as coverage for foreign travel. However, not everyone is eligible for this plan. To enroll in this Aetna Plan, individuals must first be enrolled in Medicare Part A and Part B.

They must also live in the U.S. and be at least 65 years old. Individuals under 65 may be eligible for this plan if they have a qualifying disability or end-stage renal disease and the state they live in mandates that this product plan be offered to them the same as to those individuals who are 65 and older.

If you meet these qualifications, this supplement plan could be the right choice for you. It offers robust coverage, including coverage for excess charges and skilled nursing facility care, and could help reduce out-of-pocket expenses.

Don’t Wait To Enroll

Usually, the best time to buy a Aetna Senior Product Plan is during your initial enrollment period which starts on the month you turn 65.

During this time frame, no insurance company can deny you coverage or increase your rates because of pre-existing health conditions.

However, once this period passes, the gloves come off, and these companies can either decline you for a supplement plan, not cover pre-existing conditions or charge you more for the same coverage.

You don’t have to wait, and we can easily walk you through the steps by calling us at or filling out our form below.

Get A Free Quote By Completing This Form

Are You Currently In A Plan F

If you have been in a Plan F for a few years, it might benefit you to get a few quotes and try to apply for this Aetna Plan. We recommend this because you are getting an Annual Increase to your premiums and are probably missing out on huge savings with a Aetna Plan. It doesn’t cost you anything to get a quote, nor does it cost you to apply for coverage.

Monthly Budget

How much you can afford on a monthly basis will also be a factor because this Aetna Plan is one of the most extensive plans, it isn’t going to be the most affordable option. You should only purchase a plan that you can comfortably afford on a monthly basis, feel free to check out our medsup rates by age.

Expected Expenses

Considering your monthly budget is essential for determining how much premium you can afford, but you also have to consider what your out of pocket expenses could be based on your current medical conditions. Sometimes purchasing a plan without the best benefits can cost you much more in the long run than paying a bit more in monthly premiums.

Medicare Supplement Plan G vs Plan F

Choosing the right Aetna Senior Product plan can be confusing, especially when it comes to deciding between Aetna Senior Plans. While both plans provide coverage for the same basic benefits, this Aetna Plan does not cover the Medicare Part B deductible like Plan F does.

In the long run, choosing this Aetna Plan can be a more cost-effective option since it typically offers lower premiums than Plan F. The comparison chart below shows the difference between the two Aetna Plans.

Medicare Supplement Plan G vs Plan F — The only difference between Aetna Senior Products Plan F and Plan G is the Part B annual deductible.

Related Article: Best Alternatives to Medicare Plan F

Aetna Senior Product Plan Costs And Availability

It is essential to understand that all of the benefits for this Aetna Plan are standardized and will be the same no matter which insurance company you purchase them from.

The only thing that isn’t standardized is going to be the price which can vary from company to company.

We can’t stress enough that you shouldn’t get caught up on a company’s name brand or familiarity when choosing to buy.

No matter which company you choose, a Plan G is a Plan G, so if you hear a company name that you might not be familiar with, but it has the lowest monthly rate, go for that plan.

Medical Services That Aetna Senior Product Plan-G Will Cover

A Medsup Plan-G will cover any medical benefit that Original Medicare covers, Medicare pays first, then Plan G pays the remainder after your annual deductible.
So, it will cover:

Surgeries
Blood Transfusions
Skilled nursing
Hospice care
Doctor visits
Diabetic supplies
Durable medical equipment
x-rays
Ambulance

Up to $50,000 in foreign travel emergency benefits
The list of benefits aren’t limited to just what’s above but we thought that would give you a good idea about the things that this Aetna Plan would cover.

Standardization Of Aetna Senior Products Plan G

Since 1991, Medsup plans have been standardized, this means that you don’t have to worry about this Aetna Plan being any different company to company.
Each company has to ensure that this Plan G has the same:

Doctor’s Network

Unlike traditional health insurance plans, Medicare Supplement insurance companies don’t have their own network of doctors.

These plans are only a supplement to your original Medicare Part A & Part B.

This means that your actual network is the nationwide Medicare Network and since 93% of doctors still accept Medicare, you don’t have to worry if a specific company will have your doctor in their network.

If your current doctors accept Medicare, then they will take your Aetna Plan G.

Claims Process

The claims paying process for your Aetna Plan is extremely automated nowadays which makes it easier for you to use your plan.

When you get medical services from your doctor, they will submit your claim directly to Original Medicare.

Once Original Medicare has paid its part of the claim, they automatically send the remainder to your Medsup insurance company, and your Medsup company then pays your doctor what’s remaining on the bill. The best thing about this process is that once Original Medicare accepts your claim, your Medicare company has to pay their portion; deciding not to pay their portion is not an option.

This means you don’t have to worry about how any Medsup company will process your claims, they all work the same way.

As we stated above, it really comes down to which company will give you the best rate when you are searching for a Medicare Plan G.

How to Enroll

If you’re looking to enroll, there are a few important things you should know. Plan G is a Medigap policy that provides comprehensive coverage for Medicare beneficiaries. To enroll, you’ll need to be eligible for Medicare and have an active Medicare Part A and Part B plan. You’ll also need to find a licensed insurance agent or broker who sells Medigap policies in your state. They can help you compare Plans and choose one that best fits your needs and budget. Plan G affordability can vary by state for seniors.

This is where speaking with one of our advisors really benefits you. They can provide you with not only premium pricing on Aetna, but also on other carriers that might offer the same Product Plan G but at an even lower monthly premium. Once you’ve selected a plan, you’ll need to provide your advisor with some personal medical information and other basic information about yourself. From there, the insurance company will review your application and determine whether you qualify for coverage.

Why Aetna Senior Products Might Be Right For You

If you are a senior citizen, finding the right healthcare plan can be a daunting task. After all, there are various factors you need to consider. Things like:

What services are covered?
What your out-of-pocket expenses will be?
Which provider offers the most value for your money?

Plan G may be the ideal plan for you if you want broad coverage. It’s also great for low out-of-pocket costs, and access to top-notch medical care (no networks to navigate). With Plan G, you can enjoy all the benefits of Plan F, but at a lower cost.

That means you won’t have to worry about paying for services that you may not need. It also means you can still get the coverage you need at an affordable price. Whether you’re looking for hospital insurance, doctor’s visits, or even foreign travel coverage, Aetna has got you covered.

So why wait? Find out if Plan G is a good match for you today. Shouldn’t you enjoy the peace of mind that comes with knowing you’re covered. Check out the case study below on one of our existing clients.

Why Is This A Great Option For Many Seniors?

Aetna Senior Products Plan G is a great choice for individuals looking to supplement their Medicare coverage. The debate over which plan is best – Supplement Plan G or Plan F – is ultimately up to you to decide, depending on your individual needs.

This Aetna Plan offers a comprehensive range of benefits at an affordable price, providing you with the peace of mind that comes along with knowing that it covers medical expenses well into later retirement years.

So if this Aetna Plan sounds like the right fit for you, call Senior Benefit Services, Inc today (800)924-4727 to talk with one of our knowledgeable representatives who can help guide you towards making the best decision for your desired coverage.

Don’t Need Comprehensive Coverage? Read our related article: Aetna Medicare Supplement Plan Review|Medicare Plan N Reviews

Medicare Part G Vs Medsup Plan N

We put together a quick summary of the difference in the Medicare Supplement Plan N & Plan G. Plan N will not cover the Part B Excess Charge, nor will it cover the Part B Annual Deductible.

Plan N will be more affordable but is probably best for people who don’t have to visit the doctor often.

Taking Action

If you are looking to get a much lower product plan rate, and have been struggling with which option to get, then Aetna Senior Product Plan G is probably going to be your best option.

Plan F has been phased out for anyone who goes or went onto Medicare after January 1, 2020 so to get coverage for excess charges, Plan G is now it.

If you are still unsure or, if you are ready to move forward with this Aetna Plan, you can give us a call at 1.800.924.4727 or get a free rate comparison below.

When it comes to cost and savings, Plan-G will not let you down.

Mutual of Omaha Medicare Supplement Review

Our company has had a long-standing relationship with Mutual of Omaha Medicare Supplements for decades. While this review focuses on the Medicare Supplement offered by Mutual of Omaha, keep in mind that the company has a broad portfolio of products (Plan G being the most popular). Mutual of Omaha continues to rank in our Top 10 Medicare Supplement carriers year after year.

Mutual of Omaha was founded in 1909 and is one of the most recognized names in the insurance industry. For over 100 years the company has remained strong and continues to be a carrier that pays its claims quickly.

One of the key reasons why Senior Benefit Services, Inc. has continued to work with Mutual of Omaha Medicare Supplements for so many years is their financial strength. In addition to having over $4.0 Billion in statutory surplus, the company has more than 5.3 million individual product customers, and 14.6 million members in their 48,000 employer groups.

Financial Ratings

A.M. Best Company, Inc = A+ (Superior)
Moody’s Investors Service = A1 (Good)
S&P Global = A+ (Strong)
Better Business Bureau = A+

While financial strength is great, it is also good to know that the company paid out in 2021 over $6.4 billion in benefits.

FUN FACT: Mutual of Omaha’s Wild Kingdom first premiered in 1963, and to this day continues to provide education. Feeling nostalgic and want to see original footage of episodes with Marlin Perkins and Jim Fowler, visit the Wild Kingdom website.

Mutual of Omaha Medicare Supplement plans are not available in all states.

It is important to keep in mind that in some states you will find the Mutual of Omaha Medicare Supplement underwritten by one of their subsidiary companies that include:

United of Omaha
United World
Companion Life

Here’s the great news, all 3 of the subsidiary companies are A+ rated by A.M. Best as well.

So, let’s get into the meat and potatoes of this review. Let’s first look at the pros and cons of Mutual of Omaha Medicare Supplement Plans.

PROS	CONS
Very large customer base which shows its dedication to the Medicare Supplement market.	Not approved in the state of Massachusetts.
Friendly and helpful customer service	Multiple subsidiary companies sometimes cause confusion.
Been selling Medicare Supplements since 1966

Other things that we really like about Mutual of Omaha Medicare Supplements

Up to a 12 percent household discount
12 month rate lock

How To Purchase a Mutual of Omaha Medicare Supplement

Like many companies, you can purchase a policy directly thru their call center. The other way is to purchase your policy thru a licensed insurance agent. Which way should you go?

Believe it or not the answer is very simple. If you purchase directly from the carrier you receive no discount. If you purchase from a licensed insurance agency like Senior Benefit Services, Inc. you pay the same cost for your policy, but you get the added value of having your own dedicated agent. Why does this matter? The turnover in call centers is extremely high and the chances of you being able to talk with the same person you enrolled thru is very low. Working with Senior Benefit Services, Inc. allows you to have a dedicated agent who knows you, has a complete support team standing behind them to get any claim problems resolved, and provides service after the sale.

Speaking of service, each client of Senior Benefit Services gets an annual review of not only their medical insurance, but also their prescription drug coverage. This means that you will always be getting the most benefits for your premium dollars.

Next Steps

We hope that you found our Mutual of Omaha Medicare Supplement review to be of great value. To get a quote for a Mutual of Omaha Medicare Supplement plan or a full comparison of the top priced plans in your area contact us today at (800)924-4727.

Medicare Plan K

So what exactly is Medicare Plan K? Plan K is one of the current standardized Medicare Supplement plans that may be available in your state. Why do we say ‘may be available’? Most carriers previously chose not to include this plan in their Medicare Supplement offerings in the past since it was not widely sold nor understood by most consumers and even many agents. This trend is slowly starting to change simply because more Medicare beneficiaries are looking for lowering cost alternatives to higher costing Medigap plans, but still do not want to enroll in a Medicare Advantage plan due to network restrictions.

Medicare Supplement Cost Sharing

Plan K offers many of the same benefits as other Medicare Supplement plans, but as the consumer you are taking on a ‘cost sharing approach’ instead of having most medical care covered at 100% between the Medigap plan and Original Medicare. So how does the cost sharing actually work? As an example let’s take the Medicare Part A deductible which is $1,600 in 2023.

Under Medicare Plan K the Part A deductible will be covered at 50% rather than 100% like you would find under the popular Medigap Plan N and Plan G. This means that in 2023 if you were to be admitted into the hospital you would be covering $800 of the Part A deductible while your insurance carrier would be covering the other $800. Unfortunately under Plan K the insured is responsible for the Part B annual deductible, any Medicare Part B excess charges, and any emergency medical charges outside of the United States.

The good news is that this plan does provide the insured with a annual maximum out of pocket limit of $6,940 for 2023. While many would be taken back by this amount, you might not be aware that most Medicare Advantage plans for 2023 have a out of pocket maximum of $7,500 (and that is even using in-network doctors). If a policyholder were to reach that out of pocket maximum then the Medicare Supplement Plan K would pick up 100% of the charges of areas originally covered by this plan’s benefits.

Pricing: Is it Worth It?

If we look at comparing the premiums for a 65 year old female (non-tobacco user) in the state of Maryland for a Plan K vs Plan N then here is how it breaks down.

Plan K Monthly Premium = $65.51 (average between 2 top priced carriers)

Plan N Monthly Premium = $95.77 (average between 2 top priced carriers)

On monthly premium alone the clear winner is Plan K with an annual savings of $363.12. So if the policyholder does not have any claims for the year then they would have saved over $300 by going with the Plan K. As we all know, the older we get, the more likely we are to experience health conditions that would require us to see a medical professional.

An individual falls and breaks a hip. She is admitted into the hospital as an inpatient. How does play out financially?

Just with the cost of the Part A deductible, their responsibility would be $800. With only one hospital stay, the $300+ in premium savings with Plan K is erased. This ends up costing the insured an extra $436.88 above their annual premiums. If the insured had a Plan N, then the Part A deductible would have been covered at 100%.

Takeaway

In certain states and at certain ages, the Medicare Supplement Plan K could very well be a solid alternative to a Plan N. At Senior Benefit Services we can compare rates across all our carriers and find the plan that will work best for you and your budget. Call us today at (800)924-4727 to get your FREE…No Obligation quote comparison.

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