Are you ready for Medicare’s Annual Enrollment Period? It starts on October 15 and runs until December 7, 2021. Learn more about it here.

Medicare Supplement and Medigap Coverage Plans

Getting the Right Medicare Coverage

Shouldn’t Be That Difficult

Hi, I’m Wiley Long, president of MediGap Advisors. We believe that Medicare is way too complicated, and that it should be easy to get and stay in the best and least expensive Medicare supplement coverage for your needs.

MediGap Advisors President Wiley Long

Wiley Long President –
MediGap Advisors Author,
The Medicare Playbook

 

Unfortunately, the government and corporate bureaucrats that designed Medicare, Medicare supplement, MAPD, MSA, and other Medicare Advantage programs don’t seem to have the same goal!

As a result, people make critical mistakes when it comes to Medicare. They sign up for plans that don’t include their doctor, they sign up for plans that cost too much or leave them financially exposed, and they sign up for plans they don’t really understand.

That’s why I wrote The Medicare Playbook, the only book on Medicare that really makes things simple and easy to understand. And it is also why I started MediGap Advisors.

Nobody should have to experience all this confusion, simply because they qualify for Medicare. Call us at 800-913-3416, and you will be assigned a Personal Benefits Manager who can answer your questions and help you out, now or at any time in the future.

Your experience will be easy, and hassle-free.

We’ve helped thousands of individuals and couples optimize their Medicare coverage and keep more money in their pockets.

Schedule a free consult

We set up a free personal consultation to understand what’s important to you. This isn’t just another standard list of options.

Uncover your needs

You’ll get an uncomplicated, personalized approach to healthcare. Your needs are unique and your healthcare options should be too.

Save money

We will present you with the most affordable options that make sense for your family’s needs. Our approach will simplify the process.

Medicare Supplement Coverage from Dozens of Insurance Companies, Giving You Options

Aetna Medigap Insurance

Humana Medigap Insurance

New Era Health Plans

WellCare Plans
Crum & Forster Insurance Company

Anthem Blue Cross Blue Shield

Premera Insurance

Silver Script

Quartz Insurance

Philadelphia American Life Insurance Company

Fidelis Care

Harvard Pilgram Healthcare

American National Garden State

TransAmerica

UnitedHealthcare

Gerber Life Insurance Company

United World Life Insurance Company

Medico Insurance Company

Nebraska BCBS

Mutual of Omaha

United of Omaha Life Insurance Company

Cigna Insurance

Leslie called me right after I indicated that I was looking for Medicare Supplement Insurance. With her help, I even got a better price for my policy.

Joe Griffin // Colorado Springs, CO

I have been using Jim Corn now for over 9 years. He has been outstanding to deal with and by now, although I’ve never met him, I feel almost like I’m dealing with a good friend. I am more than pleased with his responsiveness, his attention to detail, and his care in explaining exactly how things work.

Julianne Ray // Concord, NC

Thanks to Mike Montes, the process most definitely was pleasant and easy.

Katherine Homan // Dallas, TX

Schedule a Free Consultation

You need help with your healthcare and you’re looking into Medicare coverage, but you’ve found it to be super confusing! Just because you’ve hit the age requirement, you’re now supposed to understand Medicare?

We get it. Our goal is to make the Medicare process quick and easy. That’s why we have personal benefits managers on hand to make sure you get the right fit for you.

Medicare Frequently Asked Questions (F.A.Q.)

What exactly does Medicare cover?

Medicare Part A, also known as Hospital Insurance, covers inpatient hospital care as well as medically necessary surgery, lab tests, skilled nursing care, and home health services.

Medicare Part B is Medical Insurance, and it covers outpatient care at doctor’s offices and other health care providers. Medicare Part B also covers some preventive and home health care services, as well as durable medical equipment.

What is not covered by Medicare?
There are some critical health services that are not covered by Medicare, which include:

  • Hearing aids and hearing tests
  • Eye exams and prescription glasses
  • Most dental services, with rare exceptions
  • Dentures
  • Acupuncture
  • Long-term care or custodial care
  • Cosmetic surgery
  • Emergency care while abroad
  • Prescription drugs  

If you need medical services that are not covered by Part A or Part B, you will be forced to pay for them out-of-pocket. However, Medicare Advantage and Medicare Supplement plans include added coverage for many or all of the services listed above.

Does Medicare Part B cover 100 percent?

No; Medicare Part B only pays 80% of the cost of outpatient care. You are responsible for paying the remaining 20% of these costs. This is in addition to the standard monthly premium for Medicare Part B.

How much does Medicare cost?

Most people do not have to pay a monthly premium for Medicare Part A (Hospital Insurance). However, there is an annual deductible of $1,484 which must be met before your Medicare plan starts paying.

In addition, Medicare Part A only pays for the first 60 days of hospital care. After day 60, you will have to pay a per-day coinsurance of $371. After day 90, this coinsurance goes up to $742, for a maximum of 60 additional days.

The standard Medicare Part B premium is $148.50 per month, although this could vary depending on your income. The Part B deductible is $203, unless you’re enrolled in a Medicare Advantage or Medigap Plan that covers it.

Do I really need supplemental insurance with Medicare?

Unfortunately, Original Medicare (Part A & Part B) is not enough coverage for most Americans. With coverage “gaps” for critical health needs like dental care, hearing aids, and long-term care, going without supplemental Medicare insurance can leave someone dangerously exposed to steep out-of-pocket expenses.

Medicare Advantage Plans and Medicare Supplement Plans (Medigap) are a low-cost, convenient way to stay fully protected.

Should I get a Medicare supplement plan, or a Medicare Advantage plan?

There is no one-size-fits-all solution to Medicare. The truth is, the best plan for you is going to depend on a lot of factors. This includes existing medical conditions or disabilities, your travel plans, your out-of-pocket exposure tolerance, and how much you want to pay per month.

Choosing between Medigap vs. Medicare Advantage can be difficult without a little help. Your Personal Benefits Manager can work with you to find the plan that best matches both your health needs and financial goals.

Get better Medicare coverage. Save money.
Get your free Medicare supplement quote today.

All Medicare Supplement plans come with a
30 day money-back guarantee