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Medigap-Quote.com Medicare Supplement Insurance Review


Rating: 8.7 / 10 (Excellent)
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Medigap-Quote.com Overview

Medigap-Quote.com is an online marketplace representing over 30 supplemental Medicare insurance providers. Although the company is an aggregator, you are not required to enter your phone number to get quotes as they are available via email. Medigap-Quote.com does not sell or redistribute your information in any way. If you as a customer decide to go with Medigap-Quote.com, the company guarantees you will only be contacted by ONE agent who represents all of the available companies in your area. 

Medigap-Quote.com offers supplemental Medicare insurance from such partners as Transamerica, UnitedHealthcare, and Aetna. Medigap plan structures are strictly enforced by the federal government. They are named A through N and differ in terms of how much they cover in terms of the gaps in Medicare. Since they are offered through private companies, though, the only difference is generally the price and available doctors. Medigap-Quote.com can help customers get the best price considering their area and needs.

SERVICES AND FEATURES

Low Out-of-Pocket Costs

No Referrals Required

Own Choice of Specialist and Hospital

Customized Medicare Plans

Nationwide Coverage

Outpatient Care

Labs

COVERAGE

Medigap coverage pays for the out of pocket expenses associated with traditional Medicare plans. These can include doctor office and hospital copayments, deductibles, and coinsurance. Plans A-N do this to varying degrees with F being the most comprehensive, taking care of all costs Medicare misses. Specific coverages and percentage of coverages depend on the plan. Once your end is met, however, Medigap plans will pay for 100% of your further Medicare costs with no annual limit. As far as pricing goes, monthly premiums will vary by provider. 

Interestingly, one of the biggest perks of Medicare supplemental insurance is that it can cover you if you are traveling outside the country.

 

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%

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. 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.

QUALIFICATIONS

In order to qualify for Medigap coverage you must be 65 years or older and reside in a state where the policy is offered. Certain allowances can be made for those under the age of 65 if they are suffering from end-stage Renal disease, or certain disabilities. As far as pre-existing conditions go, if you apply for Medigap coverage when you are first eligible (within 6 months of your 65th birthday) you cannot be turned down or denied renewal because of a pre-existing condition. If, however, you enroll outside of this window, approval will be at the discretion of the provider. 

Summary - Medigap-Quote.com

We particularly like Medigap-Quote.com because the company doesn't require a phone number. This suggests that they are not simply trying to bombard you with sales calls. What's more, Medigap-Quote.com guarantees if you do submit personal information, you will be contacted by only 1 of their agents who can represent all carriers offering supplemental Medicare insurance in your area. 


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