Medicare Plans
The Essential Guide to Medicare Supplement Open Enrollment Period
Medicare provides adults over 65 and people with certain disabilities with affordable hospital and medical health insurance. While Medicare covers a fair amount, it doesn’t cover everything. Medicare Supplement Insurance — also known as Medigap — covers the extra out-of-pocket costs so you can get the healthcare you need. For adults considering early retirement or…
Read MoreEverything You Need to Know About Medicare Supplement Plan G
As you get older or your healthcare needs evolve, you need insurance that will give you the best coverage possible. Medicare offers great hospital, medical, and prescription coverage for adults over 65 and those with disabilities. However, out-of-pocket costs can add up quickly, leaving you to find extra money to get the care you deserve.…
Read MoreHow Does Medicare Part D Work?
Medicare Part D is designed to help you afford the prescription medications you need — and it can make a big difference in managing your healthcare costs. Understanding the rules, regulations, and coverage details of Part D can help you take advantage of your plan as much as possible. Here’s what you need to know…
Read MoreHow to Search for and Choose a Medicare Part D Plan
When it comes to Medicare, Part D — prescription drug coverage — can be one of the most important but most confusing pieces of the puzzle. With tons of plans, varying costs, and differing coverage, it can be overwhelming to understand your options, let alone know which will work for your needs. That’s where this…
Read MoreWhat to Do if Your Medigap Premium Increases
Medigap, also known as Medicare Supplement Insurance, provides valuable coverage for out-of-pocket costs that Original Medicare doesn’t cover, such as deductibles, copayments, and coinsurance. While Medigap plans offer peace of mind and predictable coverage, it’s essential to be aware that you may see a Medigap premium increase over time. Why Did My Medigap Premium Increase?…
Read MoreOn A Budget? This Medicare Change Might Help You in 2025
Key takeaways Some of the most significant changes to Medicare Part D began in 2024, including drug price negotiations and the elimination of the 5% coinsurance during the catastrophic coverage phase. However, in 2025, the out-of-pocket maximum for prescription drug plans will be capped at $2,000 and the Centers for Medicare & Medicaid Services (CMS)…
Read MoreMedicare Part D Changes: What’s New For 2024 and 2025
Key Takeaways Beginning in 2024, new Medicare Part D changes went into effect. The 5% coinsurance requirement for Part D beneficiaries in catastrophic coverage was removed; this essentially caps out-of-pocket spending at around $3,300 for 2024. In 2025, a new $2,000 out-of-pocket spending limit begins for Part D beneficiaries These changes may result in an…
Read MoreUnderstanding High-Deductible Medicare Supplement Plan Options
Finding the right Medigap plan is a matter of comparison based on the benefits you need (and want), and what you can afford. In most cases, the main difference between plans of the same letter sold by different insurance companies is the cost. With an understanding of what’s available in your area and what is…
Read MoreA Simple Guide to 2024 Medicare Supplement Plans
Discover the available Medicare Supplement Insurance plans in 2024 and stay informed about the latest updates. Understand the differences between plan types and make an informed choice. Prepare for rising healthcare costs with comprehensive coverage.
Read MoreUnderstanding Medigap Policy Ratings and Costs
Discover how Medigap insurance plans are rated and priced, and learn how to choose the right coverage for your needs. Get insights into different rating criteria and factors that impact costs. Find the best Medigap policy for you with United Medicare Advisors.
Read MoreWhat happened to Medigap Plan J?
Medicare Supplement Plan J was once one of the most popular choices for beneficiaries seeking a high level of coverage. It was, in fact, the highest level of coverage you could get with a Medicare Supplement plan. Unfortunately, Medigap Plan J is no longer available. So, what happened? Why was was Medigap Plan J removed?…
Read MoreWhat happens if you don’t renew a Medicare plan?
Whether you deal with a chronic condition or you simply want to make sure your health needs are covered at the lowest cost, you need the peace of mind that Medicare provides. But what happens if you forget to renew a medicare plan? Find out how to choose a Medicare plan that meets your needs…
Read MoreDo Medigap plans automatically renew?
Do Medigap plans automatically renew? Yes! But premiums may change based on a number of factors. Medigap plans are federally regulated, much like traditional Medicare. You don’t typically need to worry about changes in provider networks or coverage, but premiums will change often, so it’s important to revisit your budget each year to ensure that…
Read MoreMedigap Plan Costs: What To Know
Medigap plans offer a simple way to get maximum coverage from Medicare. They fit alongside Original Medicare to provide extra protection against surprise bills and other necessary health care. The cost of Medigap plans varies widely and can be different for every person. Let’s talk about why that is. What Medigap covers Original Medicare covers…
Read MoreMedigap Plan G Coverage: What to Know
Medicare Plan G is a Medicare Supplement Insurance (or Medigap) plan that helps you offset health care costs that would normally come out of your pocket. Medigap Plan G Coverage works alongside Medicare to provide this extra coverage to beneficiaries. What does Medigap Plan G Coverage cover? Medigap Plan G Coverage is popular because it…
Read MoreMedigap Plan G Cost
Medicare Plan G is a great option for anyone looking to offset health care costs that would normally come out-of-pocket. Medicare Plan G is a Medicare Supplement Insurance (or Medigap) plan that works alongside Medicare to provide this extra coverage to beneficiaries. To understand how much it costs, there are a few things worth noting.…
Read MoreMedigap Plan F Cost
Medicare Plan F is a popular option for those looking to offset out-of-pocket health care costs. Medicare Plan F is a Medicare Supplement Insurance (or Medigap) plan that works alongside Medicare to provide extra coverage to beneficiaries. To understand how much it costs, there are a few things worth noting. Plan F discontinued for newly-eligible…
Read MoreWhat are Medicare Supplement plans?
To answer this question, let’s start with the basics. What is Medicare? Medicare is a health insurance program administered by the federal government. Medicare is offered to those 65 years of age and older and people with permanent disabilities or End-Stage Renal Disease. The Medicare program has over 62 million beneficiaries across the nation. At…
Read MoreWhat does Medigap cover?
What is Medicare Supplement Insurance? Medicare Part A and Part B (Original Medicare) has certain limitations. Medicare Part A covers hospital-related costs, such as inpatient hospital care or nursing facility care. It also covers home health care and hospice services expenses. Medicare Part B provides coverage for preventative care and services that are considered medically…
Read MoreHow to Compare Medigap Plans
Trying to decide on the right Medicare Supplement (Medigap) plan for you? It’s important to consider both cost and the amount if coverage provided. Steps to choose the best Medigap plan There are two main steps when choosing a Medigap plan. First, you need to determine the right type of Medigap plan for your coverage…
Read MoreWhat does Medigap Plan F cover?
If you need more coverage than what you get from Medicare alone, you can get extra protection from Medicare Supplement Insurance. Medicare Supplement (or Medigap) Plan F is one of the most popular plans available because of the broad coverage it provides. Figuring out if Plan F is right for you depends on your eligibility,…
Read MoreWhy you should strongly consider Plan G coverage
Medicare Supplement’s most popular coverage option, Plan F, is no longer available to new Medicare beneficiaries. As a result, many people are choosing to enroll in Plan G coverage instead. Medicare Supplement Plan G is a popular plan type, and for good reason. The extensive coverage of Plan G means that participants will have fewer…
Read MoreWhich is Better: Medigap Plan F vs Medigap Plan G?
If you need more coverage than what you get from Original Medicare alone, you can get extra protection from Medicare Supplement Insurance. Two of the most popular Medicare Supplement (or Medigap) plans are Plan G and Plan F. They both provide broad coverage, but they are not identical. To figure out if one of these…
Read MoreThe Complete Guide to Medicare Part D
If you feel Medicare Part D is complex, you’re not alone. There is a lot to consider when looking at your options, from plan choices to plan ratings and drug tiers. If you’re struggling to find a plan or simply feel it’s time to evaluate your options, this guide will clarify your choices so you…
Read MoreMedicare Part D: Overview & Basics for Prescription Drug Coverage
What is Medicare Part D? Part D is Medicare’s prescription drug program and was designed to help cover the costs of prescriptions. It was introduced in 2003, as part of the Medicare Modernization Act and was officially available to the public in 2006. Medicare Part D includes a variety of drug plans, each covering its…
Read MoreMedicare therapy management and other drug programs
If you think you take too many medications on a daily basis, you might be right. Taking a long list of pills can be nerve-wracking, especially if they address a variety of interrelated health issues. Discover whether Medication Therapy Management (MTM) offers a solution for managing your complex health issues, and find out if you’re…
Read MoreMedicare Drug Plan finder guide
Use our quick guide as a tool when comparing Medicare Part D prescription drug plans. This walk-through is designed to help you take advantage of Medicare.gov’s drug plan finder. In nine simple steps, you can identify the specific Part D options that: Exist in your area Include your current prescriptions Fit your budget Find your…
Read MorePopular Medigap plan comparisons: F, G, and N
Medigap Plan F review When choosing a Medicare Supplement (Medigap) plan and conducting Medicare research, you may have heard that Medicare Supplement Plan F is the best plan. Is this actually the case? Is Medigap Plan F the best plan and, if so, is it the best plan for you? When considering any Medicare Supplement…
Read MoreHow to choose a Medigap coverage level
With 10 different options to consider, finding the ideal Medicare Supplement (Medigap) plan can be a daunting task. How do you weigh the choices? Find out how to choose a Medicare Supplement plan that’s right for you. Medicare Supplement Insurance Basics Before you start browsing plans, make sure you know the basics of Medigap. There…
Read MoreUnderstanding the Difference Between Medicare Supplement Open Enrollment vs. Guaranteed Issue
Whether you’ve already decided on a Medicare Supplement insurance policy or you’re still weighing your options, you have to purchase your plan at the right time. Learn everything you need to know about Medicare Supplement user rights, and discover the key differences between Medicare Supplement Open Enrollment vs. Guaranteed Issue. Medicare Supplement Open Enrollment Every…
Read MoreHow to avoid the Medicare Part D penalty
When you hear about Medicare penalties, there are two relevant Medicare programs that may come to mind: Medicare Part B and Medicare Part D. You may have known that enrolling late yields higher costs, but in certain cases, they can be permanent. In the case of Part D, there is a monthly penalty that can…
Read MoreMedicare Part D: Prescription Drug Plans
Medicare Part D basics Original Medicare does not cover or subsidize the cost of prescription drugs. Medicare Part D, also called Prescription Drug Plans or “PDP”, is a Medicare program designed to help seniors finance the rising costs of prescription drugs and premiums. What it covers Medicare Part D encompasses a variety of drug plans…
Read MoreMedicare Part C: Medicare Advantage
Medicare Advantage basics In general, people have two options for core Medicare benefits: Original Medicare (often supplemented with a Medicare Supplement plan) or Medicare Advantage. Medicare Advantage plans, also called Medicare Part C or “MA plans”, are considered to be all-in-one health care insurance solutions. What it covers Medicare Advantage plans, which are offered by…
Read MoreMedicare Supplement
Medicare Supplement Insurance basics Original Medicare (Part A and Part B) covers most, but not all, of the health care costs you may face. Medicare Supplement Insurance, also called “Medigap”, helps fill the “gaps” in coverage to mitigate costs and offers Medicare beneficiaries peace of mind. What Medicare Supplement Plans cover Medicare Supplement plans work…
Read MoreMedicare Part D: Prescription Drug Savings
One of the biggest concerns that customers have when negotiating their health insurance options is the cost of prescription drugs. They are constantly trying to learn about prescription drug savings so that their medication is less of a financial burden on their lives. It’s no surprise that people want to reduce their drug costs given…
Read MoreHow are Medigap Premiums calculated? 7 Quick Facts
While Medicare Advantage prices do not tend to vary from person to person, there can be significant variation in the monthly premiums for Medicare Supplement plans. Read on to understand some of the factors that can impact the price you’ll pay for a Medicare Supplement plan. 1. Your age Age plays a significant role in…
Read MoreMedigap Underwriting Basics: Discussion Guide
You are a Medicare recipient and are outside of your Medigap Open Enrollment Period (the first six months of being 65 AND having Part B of Medicare), and you either have no additional policy, a Medicare Advantage program, or a Medicare Supplement plan. You want to change your plan or at least shop around for…
Read More5 reasons Medicare Plan F is popular among baby boomers
When it comes to Medicare Supplement Insurance coverage, one plan option is considered the most popular. In fact, two-thirds of Medicare enrollees who purchase a Medigap plan opt for Plan F. Discover the benefits of Medigap Plan F and why this policy is so popular among baby boomers. 1. Medicare Plan F includes most deductibles,…
Read MoreMedicare Supplement Plans Comparison Chart
Medicare Supplement (Medigap) comparison charts provide a convenient way to compare the benefits these health care plans provide. However, many Americans don’t know how to use them correctly. This step-by-step guide will help you compare Medicare Supplement plans correctly and find the best plan for your needs. Understand the Layout of Medicare Supplement Plans Comparison…
Read MoreDental, Vision, and Hearing insurance options
As people enroll in Medicare, many forget to make note of its limits. While Medicare Part A covers emergency room situations, it’s a different story when it comes to covering vision and dental procedures. It is important to understand your options and what everything covers, so you’re prepared when your doctor or dentist prescribes treatments…
Read MoreFinding a Medicare Insurance Plan for Diabetes
Today, the American Diabetes Association estimates that nearly 30 million people in the United States have diabetes. Specifically for older adults, around 25% of seniors (or about 12 million people) have diabetes, according to the Centers for Disease Control. The World Health Organization expects diabetes to be the seventh leading cause of death worldwide by…
Read MoreWhat happens if you don’t renew a Medigap plan?
Whether you deal with a chronic condition and you have significant medical expenses or you simply want to ensure that your future needs are met at the lowest possible cost, you need the peace of mind that Medicare provides. But what happens if you forget to renew your plan? Do Medicare supplement plans automatically renew?…
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