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Make sure to choose wisely for your Medicare Supplement Plan

Posted by on Oct 17, 2016 in 2017 Medigap Plans, Medigap Plans | Comments Off on Make sure to choose wisely for your Medicare Supplement Plan

2017 Medicare open enrollment period (OEP) is now underway and typically, retirees are restricted and cannot change their plans until the Medicare Open Enrollment Period which is October 15th to December 7th each year unless you turn 65 during the year prior to the OEP dates, then you can enroll as soon as you are eligible. The cost for Medicare supplement plans can vary as wide as 68% between the lowest and highest rates within the top 10 metropolitan areas in the United States according to the 2016 National Medicare Supplement Price index...

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Medigap Disability Gap in Medigap for those under 65!

Posted by on Sep 29, 2016 in 2017 Medigap Plans, Medigap Plans | Comments Off on Medigap Disability Gap in Medigap for those under 65!

Many younger people under 65 who have disabilities qualify for Medicare but don’t qualify for Medigap because of a provision in the Federal law. Those under 65 qualifying for SSDI (Social Security Disability Insurance) requires they wait 24 months before Medicare coverage starts. This causes younger beneficiaries who have disabilities to have a poor self-reported health status as opposed to those over 65. This is in conjunction with higher insurance rates of cognitive impairments, functional limitations, as well as lower incomes. Half of...

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BCBSM for Legacy Medigap members Rate Freeze is extended through January 1 2017

Posted by on Sep 8, 2016 in 2017 Medigap Plans, Medigap Plans | Comments Off on BCBSM for Legacy Medigap members Rate Freeze is extended through January 1 2017

Not expecting to profits for BCBSM on Medigap even with the new rates. For Detroit Michigan, Blue Cross Blue Shield of Michigan is extending the freeze on their rates for their Legacy Medigap health care supplement plans. This is extended until the end of this year. This enables almost 200k members to have more time in preparation for these rates increase as expected. This takes effect Jan 1st 2017. The increases are the first increases since 2011 for the Blue Cross Legacy Medigap Plan. For some of the lower income residents of Michigan who...

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What are the Best Plans and Rates for Medigap in 2017?

Posted by on Aug 31, 2016 in 2017 Medigap Plans, Medigap Plans | Comments Off on What are the Best Plans and Rates for Medigap in 2017?

Only you can decide. Medicare beneficiaries trying to save money will find it’s very important to look ahead to see what supplemental coverage will best fit their personal health care needs. Understanding your needs for healthcare will keep changing and being prepared for those changes and changes in the Medigap Plans as well. You should be looking at 2017 Medigap Plans now. Medigap 2017 Supplementary Health plans can provide the additional coverage for folks who need it. They can also server as more minor additional health coverage. Plans...

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Merging of Aetna and Humana defended pending transaction!

Posted by on Aug 19, 2016 in 2017 Medigap Plans, Medigap Plans | Comments Off on Merging of Aetna and Humana defended pending transaction!

If you are a current member of Aetna or Humana and may have questions regarding what impact this acquisition may have on you. You can call your customer service number that is located on your ID card to find out more. The goal is to give the consumers as numerous healthy days it possible can. Bringing their combined technology, services and combined solutions as one to offer the consumer a simpler and higher quality product; delivering a health care experience at a more affordable price. What are the benefits to you? The combing of these 2...

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What if I do have a Pre-Existing Condition?

Posted by on Aug 10, 2016 in 2017 Medigap Plans, Medigap Plans | Comments Off on What if I do have a Pre-Existing Condition?

Generally, insurance companies are not allowed to have you wait for your coverage to begin; however, if you do have a pre-existing condition, they might be able to have you wait for coverage. In some cases, your out of pocket costs might be refused by a Medigap insurance company for any preexisting health conditions for a period of time. A six-month period called (pre-existing condition waiting period) after which the pre-existing problem would be covered. Conditions diagnosed, treated, etc. 6 months prior to the start of your coverage might...

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At what time can I buy Medigap Health Insurance?

Posted by on Aug 3, 2016 in 2017 Medigap Plans, Medigap Plans | Comments Off on At what time can I buy Medigap Health Insurance?

When your first eligible buy a policy. The greatest time for you to purchase your Medigap policy is during Medigap open enrollment period which last 6 months. So anytime during the 6 – month enrollment period. You can purchase any policy in your state Medigap offers even with preexisting health problems. The enrollment period will automatically start the same month you turn 65 years old and have enrolled in Medicare Part B Medical Insurance. You cannot buy a Medigap policy after this enrollment period. If you can it will most likely...

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Medigap and traveling outside the US

Posted by on Jul 29, 2016 in 2017 Medigap Plans, Medigap Plans | Comments Off on Medigap and traveling outside the US

Additional health coverage may be offered by your Medigap policy for health care supplies and services you can get outside the US. Medigap has standard plans that include C, D, F, G, M, and N all provide emergency health care coverage for foreign travel emergencies when traveling outside the United States. No longer for sale are plans E, H, I, and J unless you bought one prior to June 1st of 2010 in which case you can keep the plan. Emergency health care for foreign travel are covered by all these plans. Medigap coverage outside the US plans...

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Medigap Policies will not cover all healthcare insurance needs.

Posted by on Jul 14, 2016 in 2017 Medigap Plans, Medigap Plans | Comments Off on Medigap Policies will not cover all healthcare insurance needs.

In general, a Medigap Policy will not cover things like long term care, dental, vision care, things like eyeglasses or hearing aids, as well as private nursing care, as in a private duty nurse. Non Medigap Plans There are insurance plans which are not a Medigap plan as in Medicare Advantage Plans. This could include PPO, HMO, or a Private Free for Service type of plan. Medicare Prescriptions Drug Plans are not Medigap, as well as Medicaid. FEHBP which is Federal Employees Health Benefits Program are not. Non Medigap also includes TRICARE, or...

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Understanding Medigap, some things you should know

Posted by on Jun 29, 2016 in 2017 Medigap Plans, Medigap Plans | Comments Off on Understanding Medigap, some things you should know

To help provide health insurance that is affordable for elderly people or the disabled in the United States; Medicare exists. However, Medicare does not cover all your expenses for health care. Those that are currently covered by Medicare could be eligible for some additional health insurance coverage through Medigap. This is the name given for supplemental policies designed to help pay for expenses a standard Medicare policies do not cover. Qualifying for Medigap policies are available when covered by the standard Medicare policies including...

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