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Costs of Medigap Insurance Policies
The cost of Medigap policies can vary substantially. There can be big differences in premiums that Medicare Supplemental insurance companies charge for exactly the same coverage.
Blue Medigap is a Medicare Supplemental Insurance plan from the Blue Care Network of Michigan. It’s called MyBlue Medigap Plan.
MyBlue Medigap offers access to any hospital, doctor or other health care provider in the U.S. or its territories that accepts Medicare assignment – also called Medigap Blue. The plan does not require members to use a specified provider network. MyBlue Medigap is a Medigap plan administered by Blue Care Network.
As you shop around (use the form above) for a Medigap insurance policy, be sure you are comparing the same Medigap policy (for example, compare a Plan A from one company with Plan A from another company).
Each Medicare Supplemental insurance company sets its own premiums. It is important to ask how an insurance company quotes Medigap policies. How they set the price affects how much you pay now and in the future.
An applicant must be enrolled in part A & B of Medicare before they can enroll in a Medicare Medigap plan. During the open enrollment period which begins within 6 months of you turning 65 or enrolling in Medicare Part B at 65 or older, a person may obtain a Medigap Medicare Supplementalplan on a guaranteed issue basis (no medical screening required). Outside of open enrollment, the Medicare Supplemental insurance company may require medical screening and may obtain an attending physician’s statement if necessary. Medigap health insurance is not compatible with other forms of private Medicare coverage, such as a Medicare Advantage plan.
Medigap Insurance Plan offerings have been standardized by the Centers for Medicare and Medicaid Services (CMS) into ten different plans, labeled A through N, sold and administered by private companies.
Each Medigap plan offers a different combination of benefits. The coverage provided is roughly proportional to the premium paid. However, many older Medigap plans (these ‘older’ plans are no longer marketed) offering minimal benefits will cost more than current plans offering full benefits. The reason behind this is that older plans have an older average age per person enrolled in the plan, causing more claims within the group and raising the premium for all members within the group. Since Medigap is private insurance and not government sponsored, the rules governing the sale and offerings of a Medigap insurance policy can vary from state to state. Some states such as Massachusetts, Minnesota, and Wisconsin require Medigap insurance to provide additional coverage than what is defined in the standardized Medigap plans.
Blue Medigap – Medicare Supplemental Insurance – MediGap Quotes