Three trends to keep in mind

2020 Medicare Supplement plans are  available at         Should you be on Medicare plan or soon to be, it’s important to recognize this and watch out for certain trends that you can encounter in the world of Medicare and Medicare insurance.

For the first time since 1992, the standard Medicare supplement plans are changing. The changes came into effect on June 1, 2010, although some impact is already being seen as companies begin to release their tariffs for the new “modernized” plans. The two new and on coming plans, plan M and plan N, promises some impact on the world of Medicare supplement plans.

They are cheaper and lesser alternatives to a few of the more expensive plans. Keep in mind, however, that with the lower costs, the benefits will be proportionately reduced. If you accept one of these plans, you would need to qualify medically (for most companies) if you want to upgrade your plan later.

The other two main factors that keep an eye on as regards the new modernized plans are the complete cancellation of Plan J and the modification of Plan G (Part B excess fees are 100% – just like Plan F).

Online Quoting / Service Access As in many other business areas, the Medicare insurance world goes online in record numbers, to the benefit of consumers, businesses and agents. What this means to you is that you can sign up for a plan in an informed and educated manner, without ever speaking to a person, and in any case, without ever meeting anyone face to face.

You certainly do not have to do business in this way or enroll for a plan this way, but this option is more available than ever and has many, many benefits. Firstly, you can make comparison of Medicare Supplement policies in minutes and save time to ensure you obtain the best available plan.

  • Rate Instability: In some ways, this is speculation; though, it is rational and very predictable. In the next year or two, Medigap plans will experience some big rate increases. Such increases are likely to extend to companies and governments. The reasons are probably:
  • Increased number of Medicare Advantage members leaving these plans and enrolling in Medicare supplementary plans (on average, this group is not as healthy and the additional plans were due to their involuntary loss of their Advantage policies)
  • Increasing number of employers Group insured members who leave these plans to enroll in Medicare Supplement plans (this group is also, on average, not as good in health and perhaps older than Medicare Supplement policy holders, but due to the increasing number of companies putting a stop to health benefits, these individuals have to look elsewhere)
  • Economic Climate Factors (similar to numerous other companies that have responded somehow to the dynamic economic climate, it is practical that even the supplement firms will do the same).

Medicare supplements come with costs and can also exclude unhealthy persons. However, they generally provide the broadest access to health care.


Advice for Those Who Forgot to Enroll for Medicare Part D

The open application ended on the 7th of December and if you do not qualify for a special registration period, you cannot sign up for the Part D until next October. I received calls this week from Medicare beneficiaries who are baffled, and violent. I was shouted upon, hung upon and insulted.

Honestly, I do not mind, but it made me want to write a blog to help people understand their options when they miss out on Part D Enrollment. Here are a few ideas on how you can pay the pain out of pocket for your prescriptions.

Enroll in a 2020 supplement plan at


Locate the keywords “Prescription Coupons” on your search engine and hundreds of pages will pop-up and offer coupons on every drug you can imagine. You can also research for your specific drug by typing ‘drug name’ coupons’ into your search engine.

Another approach is to contact the company that sells your medicine and ask them if they have vouchers to send to you. Most companies have coupons or good offers on their websites. It may seem too easy, but sometimes it’s the simplest solutions that work.

Prescription Assistance Programs

A variety of programs like these exist, some of which are specific to states. These programs are not insurance policies, but they help with the cost of prescription drugs.

You must apply and be eligible to qualify for a utility program. As soon as you are in, you will usually receive a discount card that entitles you to receive discounts at pharmacies.

The one difficult thing about these programs is that you may not qualify for Part D after signing up for a utility. These programs are really for those in desperate need who cannot afford their prescription drugs or can afford part D deductibles or premiums. There are also senior-specific programs and programs that are only open to people under the age of 65. Therefore it is important that you get informed before applying.


RX assist is one program that I found after only ten minutes of research.

Pharmacies programs

Large grocery stores like Walmart and HEB offer discount programs for pharmacies. By registering in these programs, you can get some (not all) of the prescription drugs at greatly reduced prices. There are small, initial fees that you will have to pay to sign up for these programs, but you will be able to get prescription drugs at extremely reduced prices ($ 5 for 30 days at HEB). Walmart has also listed a competitive program with some medications for $ 4.

As you can see, there are options. Of course, my first piece of advice is not to yell or hang up your agent before he can help you. You may not even understand your situation. There is a possibility that you can qualify for a special registration period. Qualifying circumstances are typically things like leaving a coverage area that involuntarily fall out of your Medicare Advantage plan or other circumstances beyond your control.

While I wish I could wave my magic wand and solve the situation, that’s what it is. Some analogies include: not completing your voter registration card in time for a poll, applying for a scholarship or grant after the due date, or late submitting a work project. There are reasons for deadlines, and there is no point in blaming yourself, your agent or the government. Mistakes happen, but luckily there are the above-mentioned resources for Medicare beneficiaries that they can rely on if they forget to enroll in Part D.


The Easiest Ways to Take Precautions to Be Healthy!


There is no doubt in the fact that human beings are the only species who can self-treat the diseases no matter how major they are. But then again nowadays people are more than just health conscious.

They don’t want to fall sick in the first place and even if they do, they want to be fully prepared for it. And they must too. After all, this is something that is going to keep then healthy and fit.

There are only few things that can make sure that they are pursuing the path of the same. And that includes the Medicare Supplement plans as well.

The best ways to be healthy:

Following are some of the major ways that can help the people in remaining healthy for a longer period of time:

It might sound odd to the people that this is making first to the list, considering, we were talking about precautions. Believe us, when we say that nothing works better than this as a precaution.

Good Medicare Supplement plans make sure that we get treated and our bills are paid without us having to stress out on the same. No matter how much precaution people take, they can never be more careful.

And this is only why to pay the bills in case of any medical emergencies good Medicare Supplement plans are necessary.

  • Daily and regular exercise:

This is an old food in a new bowl. But in every step you must remind yourself of the same. You must necessarily understand that regular exercise is quite necessary for you. It will absolutely make sure that you are getting through with the best results in terms of the healthy lifestyle.

You must also remember that this is something that will help you save from the major problems that might occur to you as well.

Medicare Supplement plans

  • Nutritious diet:

Yes, a well balanced and nutritious diet is equally necessary. Not too much and nor too little of food of any type can do you good. And this is exactly why you must consume food that is necessary for you. But not overdo the same.

This is another way of staying healthy and safe in the long run for sure. Also only a good professional can help you get through with the best results.

These are some of the best ways to be healthy. And of course, the Medicare Supplement plans are important for you not to forget.

When You Have Medicare Supplement Plans – Don’t Worry About the Out-Of-Pocket Cost

It is not always possible that you health stay fit for your entire life. Especially when you are in your late 60’s your health condition will decrease day by day. Whether you tried hard for your good health, conducting a good diet and exercise, it is natural. Your body may face some health issues at your old age.

To prevent serious health issues, one must go for a regular check-up, take medicine, and conduct clinical tests if any symptoms show. Doing every month or quarterly is very costly but health insurance policies got you under cover. Well designed and well maintained Medicare policies are beneficial for every person in your life.

Why is Medicare plan not the only solution to your health?

All Medicare plans may have covered all requirements you need but only 80% amount is payable by the insurance policy. Rest of the 20% amount has to pay for you.

There are some other issues like nurse care; foreign travel emergency can’t be coverable by Medicare plans.

How do you find the solution?

Medicare supplement plans can give you full satisfaction with your Medicare plans. Medigap are designed to give you entire solutions which are left in original Medicare plans.


It covers the remaining 20% of Medicare plans which previously was payable by you. These plans mainly cover coinsurance, copayment, and deductibles. In addition, they have foreign tour health security, first three pits blood used only for medical purpose etc.

What to do to get Medicare supplement plans?

  • First, you have to buy Medicare part A and part B plans.
  • The day you turn 65 you are eligible to apply for any of Medigap plan.
  • Consult with insurance policy advisor to understand better about the Medicare supplement plans.
  • Set your premium range and requirements before buying any of these policies.
  • Check your state insurance policies because each different state offers different policies rather than basic ones.

Some unknown facts about Medigap plans:

  • You can’t have Medigap plan if you have part C Medicare plan.
  • Patients under treatment of end-stage renal disease and amyotrophic lateral disease are not eligible.
  • Medicare supplement plans can only work with original Medicare plans (except C).
  • It doesn’t cover prescribed medicine cost.
  • If you have employer medical insurance then you don’t need to buy any Medigap plans.
  • It doesn’t pay the cost of hearing aid or eyeglasses.
  • If you miss the open enrolment session, you have to go under a medical inquiry to buy a policy.

Let Us Compare the Medicare Advantage Plans Today

Now, you must be wondering about the different medicare advantage plans available worldwide. This is the time to answer all of your questions on this health insurance. After reading this, you will find it much easier to check out medicare advantage plans as per your needs and budget.

Medicare advantage plans

Plan A – Let us list out some features of this plan. This plan is a very basic one that covers Part A coinsurance with a time limit of 365 days after the end of original plan. With this plan, you will get first three pints of blood. Medicare Part B copayment or coinsurance is included in this base level plan.  It will also care preventive insurance.

Plan B – This plan serves to fill in loopholes left in Part A and B of original medicare. It includes copayments, coinsurance, preventive care costs, and hospital expenses incurred out of pocket for a period of 365 days. Hospice care coinsurance and copayments are also included.

Plan C – Offers standard benefits offered in previous plans and also some additional coverage as well. The main inclusions of this plan are skilled nursing services, part A and B deductibles and the best part is medical emergency during foreign travel.

Plan F – is a very popular option amongst all 10 plans and offers the highest coverage. It will cover upto 80% of medical emergencies during foreign travel, preventive care, all deductibles, physician services, outpatient services and many more.

Medicare Advantage Plans like Plan G can cover all out of pocket costs, copayments, coinsurance, excess charges incurred during hospitalization. It is the only plan apart from Plan F that covers 100% of Part B excess charges. These charges crop, up when doctors charge more than Mediclaim approved amount. You may also get foreign travel emergency medicare benefits.

What about Plan L?

It covers almost 75% of excess charges, Part B copayment and coinsurance, hospice care copayments, nursing services, part A deductible and also costs upto 365 days after exhaustion of normal medicare.

You can also change your medicare plans midway, if you find out that you are not using certain benefits. However, you keep on paying for them for a prolonged tenure.  Other circumstances arise, when insurance companies close down, some cheated you, or your employer coverage covers all medical costs. The plans are again divided as per regions, but the basic plans remain the same. They are standardizes in that manner.

So, read more and gather information about Medicare Advantage Plans and relax!

Out Of Pocket Cost Can Be Saved – Purchase Medicare Advantage Plans

If you are still not satisfied with your original Medicare plans. Even though it covers your hospital cost, health care cost, prescribed medicine cost, there 20% of the amount still uncovered. Sometimes Part B cost exceeds and you have to pay that amount. No insurance can cover those nooks. Do you feel that the 20% of extra medical fees still excess?

If you don’t want to pay an extra 20% of your medical fees, left by an original insurance policy, you must buy Medigaps.

Definition and classification of Medigap:

Medicare advantage plans or Medigaps are coinsurance, copayments, and deductibles.

This Medigap plans categories into ten parts. They are A, B, C, D, F, G, K, L, M, and N. each of them has different facilities and offers. Not all Medigap plans sold by every state. Before you purchase any plan, check your state insurance department for the availability of plans.

Difference between Medigap plans:

Every Medicare advantage plans differ from one another. Enroll in one at https://www.medicareadvantageplans2019.orgPlan A has the most basic facilities which every people seek for. Plan F has every advance facilities for the people who don’t want to take any risk on health.

Comparing Plan A and Plan F:

Plan A

  • Basic facilities:

Coinsurance or co-pay (part A), hospital cost, hospice care, Coinsurance or copayments of part B, cost of blood (first three pints).

Plan F

Basic facilities same as plan A.

  • Extras are:

Medicare Part A and Part B deductibles, Part B excess charges, Skilled Nursing Facility, foreign tour emergency health care.

Conditions that prevent you to purchase Medigap:

  • If you are not 65.
  • Already have a Part C Medicare plan.
  • Have employer health coverage at 65.


Unfamiliar facts about any Medigap:

When you want to enroll your name you must be clear about something about Medicare advantage plans.

These plans are sold by a private insurance company. Before you buy any of these plans make sure about your premiums. These premiums are payable separately from original Medicare plans. You have to make sure whether the company reliable. You need to check their rating online on the basis of their offers, customer relations, and performance.

If you enroll your name for Medigaps during open enrolment session you don’t need to go for medical check-up.

Medicare advantage plans don’t cover drug cost. To cover your prescribed medicine cost you have to buy part D Medicare plan separately.

If you have an end-stage renal disease or amyotrophic lateral sclerosis you can’t buy Medigap.

So choose wisely before you purchase any Medigap.

Medicare Supplement Plans and Medicare Advantage Plan Differences

When turning 65 you will have the option of getting Medicare for your health insurance. You will note that Medicare will only pay 80% of your medical expenses. The remaining 20% will be coming out of your pocket. There are Mutual of Omaha Medicare supplement plans to help with these added expenses and there is also available Medicare Advantage plans. All plans will be governed by the government and are standardized so they will be the same no matter what insurance company you purchased them from. You cannot have a Medicare supplement plan and a Medicare Advantage plan. The differences will be discussed now.

Your personal health issues will help determine which plan you will want. In order to have a Medicare supplement plan, one must first have Medicare Part A and Medicare Part B to obtain one. Medicare Part A will cover hospital expenses and Medicare Part B will cover physician visits and medical tests one may need. These supplement plans do not cover prescription drugs, dental, hearing or long term care. One will be able to purchase Medicare Part D which covers prescription drugs. There are various companies that provide these plans. Depending on the Medicare supplement plan you choose, you may have to pay the Medicare Part B deductible before your supplement plan starts to pay for the additional expenses. Some plans will cover deductibles and some may not, so it is important to look carefully at all the plans to see what will meet your medical issues. These plans are sold by private insurance companies and the monthly premiums are determined by where you live and the plan you choose. Each insurance company can have different premiums, so one must look carefully at all the plans and companies available.

Medicare Advantage Plans are health insurance plans that incorporate Medicare but are a little different. You must live in the state you are applying for coverage and not have end stage renal disease with some exceptions. Some of the Medicare Advantage Plans will cover dental, hearing and prescription costs. One must be aware that one may need a referral to go to a specialists or have approval to get a medical test that a doctor may want you to have.

These Medicare plans are very beneficial to a senior with health issues. One needs to really look at each plan to see what will be the most beneficial and how much each costs