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Make sure to choose wisely for your Medi...

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 rate comparisons. This mean you...

Medigap Disability Gap in Medigap for th...

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 these incomes are lower than...

BCBSM for Legacy Medigap members Rate Fr...

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 have purchased Medicare...

What are the Best Plans and Rates for Me...

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 vary to help accommodate almost...

Merging of Aetna and Humana defended pen...

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 insurance companies, Aetna and...

What if I do have a Pre-Existing Conditi...

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 be excluded. If this is the...