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Medicare Enroller Medicare Supplement Insurance Review


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Medicare Enroller - Overview

Getting Medicare Supplemental can be essential for some seniors 65 and over. Traditional Medicare Parts A & B only cover so much and many struggle to come up with the coinsurance and deductibles not covered. Medicare Supplemental insurance, or Medigap coverage as it is sometimes called, can help cover these expenses. It works the same as a traditional health insurance plan in that you pay monthly deductibles. Your deductible will depend on the plan, your location, and the insurance provider. Although you purchase Medigap plans through private carriers, they are regulated by the US government and available in plans A through N. All plans cover the gaps in Medicare coverage but do so to different degrees.

Since all government standardized plans are essentially the same, the only difference will be price and what is available in your area. this makes a Medicare Supplemental insurance portal an indispensable tool  in finding the right coverage to fit your needs. Medicare Enroller provides a quick online comparison of quotes from all the best Medigap providers in your area. All the website requires is your age, zip code, name, address, gender, date of birth, and contact info to put you in touch with representatives from all the best Medigap providers.

FEATURES

Medigap plans feature low out-of-pocket costs, no referrals, choice of specialist and hospital, nationwide coverage, outpatient care, and labs. Medicare Enroller can provide quotes from such top sources as SelectQuote, UnitedHealthcare, and Health Insurance Online. Additionally, Medicare Supplemental plans can pay for things like coverage out of the country, hospice care, and skilled nursing facility stay.

COVERAGE

The 10 standard plans regulated by the US government all cover Medicare gaps to varying degrees. Some plans cover the full Part A deductible, while others only a percentage. It is essential you go over your specific needs with a representative in order to find the correct plan. For example, Plan F is the most comprehensive, and most expensive, Medigap plan. However, this level of coverage may be entirely unnecessary given your yearly doctor visit schedule. The below table lists the detail of all Medigap plans.

 

A

B

C

D

F

G

K

L

M

N

Part A Coinsurance/Copayment

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B Coinsurance/Copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A Deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B Deductible

No

No

Yes

No

Yes

No

No

No

No

No

First 3 Pints Blood

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Hospice Care Copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled Nursing Facility Copayment

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Foreign Travel Coverage

No

No

80%

80%

80%

80%

No

No

80%

80%

A Note About Pricing

As mentioned before all 10 Medigap plans are the same and only vary by the premium the provider can charge you depending on what is available in your area. 

  •  Plans K and L have yearly out-of-pocket maximums of $5,120 and $2,560 respectively.
  • Plan N has a $20 copay for some doctor visits and a $50 copay for ER visits.
  • Plan F has a high deductible option customers can choose for lower premiums. With it, patients will be responsible for the first $2,200 in coinsurance, copays, and deductibles. 

QUALIFICATIONS

You must be enrolled in Medicare Part A & B before you attempt to purchase Medicare Supplemental coverage. Further qualifications include:

Resident of state where policy is offered

65 years and above

Under 65 with End-stage Renal Disease

In some states

Under 65 with Certain Disabilities

In some states

PRE-EXISTING CONDITIONS

Even though Medigap plans are offered through private companies, they must follow government guidelines. With regard to pre-existing conditions, a provider cannot refuse you if enrollment occurs within 6 months of your 65th birthday. You will also be able to renew supplemental Medicare indefinitely regardless. If you do not enroll within 6 months of your 65th birthday, it is up to the given company's policy on pre-existing conditions.

 Medicare Enroller - Summary

Medicare Enroller is a remarkably simple tool to use to get quotes from the best Medicare carriers, not only for Medigap plans, but all other forms of Medicare plans as well. The company works with high quality providers. But be aware, once you submit your personal information you are consenting to be contacted via phone and email by representatives from their affiliated carriers.


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