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SpinDistribute.com Article Directory

The following article was published in our article directory on May 2, 2012.
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How to Save Money on Your Medicare Supplemental Insurance Policy

Article Category: Advice

Author Name: Neil Primack

The best way to save money on Medicare supplemental insurance is to enroll during the six-month Medigap open enrollment period. This is the perfect time because you have the broadest range of options in choosing Medigap coverage, since insurance providers cannot refuse to sell you coverage because of any health problems you may have. In addition, even if you have health problems, they cannot charge you more than they would a person with no health problems, as well as making you wait for coverage to start (except for that related to a pre-existing condition). The enrollment period begins in the first month when you become eligible for Medicare and you re aged sixty-five or older.

Since the open enrollment period lasts for six months, it gives you a lot of time to assess your Medicare supplemental insurance options. There are ten standard Medicare supplemental plans, all of which offer Part A hospital coinsurance, 365 more hospital days and lifetime reserve days as standard features. After this, they offer various combinations of benefits such as Part A Hospice Coinsurance, Part B Coinsurance, Parts A & B Blood and Foreign Travel Emergency coverage. The three main things to consider when choosing which plan best needs your needs are: how much the monthly premiums are, what benefits they offer and how difficult it is to file claims. You should pick a plan based on your ability to pay the premiums as well as your present and future health needs.

Once you ve decided which Medicare supplemental insurance plan best meets your needs, you can start comparing offerings from the different providers. You can check with your State Health Insurance Assistance Program as to which insurance providers in your area sell Medigap policies and what plans they offer. Then you can call some of these companies and discuss your options as well as how much the policies cost. One thing to consider is that even if these plans have standardized benefits, the costs that insurance companies charge may diverge widely, so make sure you call several companies to comparison shop. Also keep in mind that you have a thirty-day window to study the plan for free with no obligation. If you decide not to keep the plan, simply return it to the provider and your money will be refunded.

You can also work with independent health insurance brokers to find a Medicare supplemental insurance plan. These brokers work with many of the biggest providers and can help you choose the best plan. You can even compare several quotes online, since you can view their benefits and costs side-by-side. These brokers can also help you if you decide that you want to change policies. You can change Medigap policies at any time although you should keep in mind that there will be a two to four week approval period so keep this in mind when you apply to avoid a coverage gap. And once you are approved, make sure you cancel your current policy in order to avoid paying double for coverage.

Keywords: Health Insurance, Medicare Supplemental Insurance, Medigap Insurance, Group Health Insurance

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