How to Find the Best Medicare Supplement Plan for You

Navigating the world of Medicare can be confusing and overwhelming. United Medicare Advisors simplifies the process by providing tools to compare plan benefits and costs. With more than 20 vendor options in 45 states, you can find the right supplemental Medicare insurance for your needs. There are 10 standard Medigap plans, and no one plan is best for every situation.

Massachusetts, Minnesota and Wisconsin offer their own Medicare supplemental policies for residents. United Medicare Advisors can help you understand the confusing aspects of Medicare supplement plans and find the best insurance strategy for you. The company works with more than 20 plan providers in 45 states and has produced more than 100,000 policies. United Medical Advisors represents companies such as Gerber, Sterling and Humana.

United Medicare Advisors has strong company ratings and financial stability. The Humana website is a great resource for common questions about the program, discussing topics such as eligibility, coverage and costs of each part of Medicare. You can also use their mobile app, MyHumana, to access your benefits on the go.

Humana's prices, like many other Medicare supplement companies, are based on age attained. This means you'll pay more for your plan as you age. Other factors, such as inflation, could also contribute to higher premiums. To get specific pricing from Humana, you will need to complete a formal request for quotation or call and request a quote.

BCBS offers the largest discount savings over time, even though some plans offer a higher discount for newcomers to Medicare in their first year. Check with your state plan for details on BCBS discount programs. Bankers Life offers Silver Sneakers gym memberships and access to alternative treatments at no additional cost with their Medicare Supplement Plan D.

Medicare Supplement Plan G is the best overall plan that offers the most coverage for older adults and Medicare members. Available in all states except Massachusetts, Minnesota and Wisconsin, it covers out-of-pocket costs of Original Medicare, including deductibles, copayments and coinsurance for approved Part A and Part B services, a list that includes drugs covered by Part B.

Although the monthly premium is important when enrolling in a Medicare supplement plan, it shouldn't be the only factor you consider. Because Medigap plans are standardized, you can get exactly the same Medicare benefits from any company that offers the plan. CoverRight offers everything you need to select insurance that covers gaps in Medicare coverage.

A great way to find the best Medicare Supplement Insurance companies that offer plans where you live is to compare plans for free online using an independent source. Blue Cross Blue Shield (BCBS) companies offer a number of discount programs for Medicare Supplement Plan G. You are eligible to purchase Medicare supplement insurance during your Medigap open enrollment period if you are enrolled in Medicare Part B. Average Medigap policy increased 4.5% annually according to a survey of pricing professionals conducted by the American Association for Supplemental Medicare Insurance.

Your insurance offerings are intended to supplement your primary health insurance, such as Medicare Supplemental Insurance, Life Insurance, and Long-Term Care Insurance. Manhattan Life sells 5 Medicare supplemental insurance plans, including popular Plan F, Plan C and Plan G. If you're looking for a company with Medicare expertise, know that BCBS was the first company to handle Medicare claims in 1966.

Elise Woehl
Elise Woehl

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