MediGap Advisors Member Benefits

Save Money on Prescription Drugs, Lab Fees and Much More!

At MediGap Advisors, we want to help you be smart about how you handle your medical expenses. By taking advantage of all the money-saving tools available, you can reduce your annual medical costs by thousands of dollars. (By the way, the first step toward saving money is to obtain a Medicare supplement plan or a Medicare Advantage plan. Complete instructions on how to get the best plan for your needs can be seen on the “How To” Guide page. Wiley also periodically shares some great money-saving tips on his Medigap Advisors Blog.)

Whether you are covered by Medicare Part D or not, there may be times when you have to pay for prescription medications on your own. If this does happen, we can show you how to save money on your prescriptions. There is a wide variation in pricing on prescription drugs, and smart shoppers can save a lot of money by doing some comparison shopping. To help you lower your prescription costs even further, MediGap Advisors has a resource that may dramatically reduce your prescription drug costs.

Our Prescription Drug Discount Card is something you can download immediately, cut out, and put in your wallet. You’ll have access to online pricing, so you can be sure you’re getting the best price available before you head to the pharmacy. This card is widely accepted and offers good discounts. We recommend you always check prices with this card even if your insurance company also provides a discount prescription card.

If you ever want or need any lab test not covered by Medicare, you will want to make sure you pay the lowest possible cost. The biggest markups in health care are for prescription drugs and lab tests. Instead of paying the full retail price for things like blood work and CAT scans, MediGap Advisors clients and visitors have access to discounted pricing that reduces the costs by as much as 80%. Simply go online, order the tests you want, then head to the closest participating lab to have the test run. Results are usually available within 48 hours.

This service will typically save you 40 – 70% on MRIs, CT Scans, and most other imaging procedures. Discounts on x-rays, ultrasounds, and echocardiograms are usually about 25%. You can create your ID card online, and then call an 800# to schedule your tests.

Take charge of your health with the SilverSneaker and Silver&Fit programs. Research published in The Lancet shows that just 92 minutes of moderate activity per week can add three years to your life. These programs are designed to make exercise fun and social for seniors. You can do the programs at a gym or in your own home. Contact one of our Medigap Advisors today to see if a plan near you offers either program.

With these programs, you’ll receive a free basic membership at one of the participating gyms across the country. This includes access to amenities such as heated pools, treadmills, and weights. Plus, you can take classes taught by certified instructors specifically for older adults – all at no additional cost. Note, locations vary on what they offer.

If you do not have a current will in place, creating one should be one of your top priorities. While having an attorney help you format your will can be important, if you have a simple estate, you can easily create your own will for free. This site (which is not affiliated with MediGap Advisors in any way) enables you to easily set up a legal will in any state except Louisiana.

MediGap Advisor members receive a free membership in Legacy Safeguard, a program to ensure you are remembered for generations to come. Benefits include:

  • Legacy Planning software – a one-of-a-kind legacy planning software that helps you share your history, the lessons you’ve learned, and the values you hope to pass on to your family
  • A free Living Will
  • Funeral service discounts
  • Final Expense EstimatorTM – helps you to estimate the cost of your funeral and other final expenses
  • Discounts on personalized estate planning documents such as a Last Will and Testament, and a Power of Attorney

Insurance companies and major employers have the power to negotiate with doctors and hospitals to receive lower prices than the general public gets, something the average individual can’t do. Because Medigap Advisors’s large presence in the marketplace, you now have access to the same service, risk-free.

Before paying a medical bill, our members simply submit your claims to our negotiation service, and if they can negotiate a reduced bill, you get to keep 65% of the savings! If they are unable to negotiate any further price reductions, then you pay nothing.

 

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