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Medicare Insurance Consultants Medicare Supplemental Insurance Review


Rating: 9.3 / 10 (Excellent)
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Medicare Insurance Consultants - Overview

Medicare Insurance Consultants exclusively offers Medigap plans from top rated providers. Medicare Supplemental insurance covers the associated costs of Medicare Part A & B claims. When you have a traditional Medicare plan you are still required to pay copays, coinsurance, and deductibles. These can add up, especially for those who do not have private insurance to supplement their Medicare plan. There are 10 Medigap type plans that offer different degrees of coverage for these costs. Although they are purchased through private insurance providers, all plans are regulated by the federal government so they are identical across carriers. However, these carriers can charge you differing prices according to where you live and other factors. This is why it if you are in the market for Medicare supplemental insurance it is imperative to compare as many plans as possible in order to get the best deal. 

Medicare Insurance Consultants allows you to do this with its convenient online marketplace where you can compare plans across providers in your area. In order to proceed, all Medicare Insurance Consultants needs is:

  • Age
  • Zip Code
  • Gender
  • Name
  • Email
  • Phone Number

Services and Features

The 10 Medicare Supplemental plans are named plans A through N. All offer different types of coverage in addition to Medicare Parts A & B. For example plans A through G will pay 100% of your Part B coinsurance, where plans K and L will pay 50% and 75% respectively. Plan F has the most comprehensive coverage, paying for basically all the gaps in Medicare. Cost will fluctuate by plan, area in which you live, and what the given provider decides to charge. Considering its list of partner carriers, Medicare Insurance Consultants gives you the broadest possible list of options to choose from.

The below table depicts the 10 Medicare Supplemental plans you can be connected with through Medicare Insurance Consultants:

 

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%

PRICING 

Plan F is the most comprehensive and typically the costliest Medicare Supplemental plan. However, there is a higher deductible version of Plan F that will bring down monthly premiums. This version requires the patient to pay the first $2,200 in copays, coinsurance, and deductibles before the Medigap plan starts.

QUALIFICATIONS

In order to purchase a Medicare Supplemental plan you must have Medicare Parts A & B and meet the criteria in the table below. If you have a pre-existing condition you cannot be denied coverage or renewal of such coverage if you first enrolled within 6 months of your 65th birthday. Otherwise, acceptance of pre-existing conditions will be at the discretion of the Medigap provider. Furthermore  K and L have yearly out-of-pocket maximums, above which Medigap will pay 100%, and N covers 100% of Plan B coinsurance, but includes a $20 charge for some office visits and a $50 charge for ER visits.

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

Medicare Insurance Consultants - Overview

Medicare Insurance Consultants is a great option mainly because their interface is clean and easy to use. All customers have to do is enter some basic information and then be contacted by Medigap agents in their area that can get them the best deal in Medicare Supplemental insurance. As mentioned before, these plans are basically identical, all standardized  by the federal government. The only differentiating factor is price and what is available in your area. Medicare Insurance Consultants allows you to compare essentially the same plans by price, making sure you get sufficient coverage that doesn't break the bank.


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Top Rated
Our Partner
9.3 / 10
  • Plans Cover What Medicare Doesn't
  • Compare Quotes from Top Carriers
  • Plans A through N Available
  • Reduce of Eliminate Out-of-Pocket Expenses
  • Simple Online Application Process