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Frequently Asked Questions
Who Is MedigapPolicies.org?
We are an online research website for use by consumers who are going on Medicare soon, or those who are already on Medicare. We connect insurance shoppers with information, including insurance companies and agents, to help find the right insurance plan for your individual needs. Through our website you can learn, compare, and shop the plans and prices of ALL leading Medicare insurance companies offered throughout the U.S. We have been ranked in the top 5 as one of the leading Medicare Supplement Insurance comparison websites. Start your free quote today!
What Is A Medicare Advantage Plan (aka Medicare Part C)?
A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare. Medicare Advantage Plans provide all of your Part A (Hospital Insurance) and Part B (Medical Insurance) and usually prescription drug (Part D). If you enroll in a Medicare Advantage Plan, most Medicare services are covered through the plan. Medicare services are not paid for by Original Medicare. Most Medicare Advantage plans may offer routine Vision and Dental.
Medicare Advantage Plans include:
- Health Maintenance Organizations
- Preferred Provider Organizations
- Private Fee-for-Service Plans
- Special Needs Plans
- Medicare Medical Savings Account Plans
Who Is Eligible For A Medicare Advantage Plan?
You can generally enroll in a Medicare Advantage Plan if you have Medicare Parts A & Part B, live in the service area of the plan you want to enroll in and do not have End-Stage Renal Disease (ESRD), If you have other health insurance coverage like through an employer or union, be sure to get more information about your coverage before enrolling in a Medicare Advantage plan. In order to determine what you are eligible for, you can give us a call to speak with a licensed insurance agent who can explain your options.
Where Do I Enroll In A Medicare Advantage Plan?
You can enroll in a Medicare Advantage Plan in many different ways. Most consumers will initially complete much of the research necessary online in order to gain a better understanding of the options available to them. After you feel you are well informed and have been able to get price quotes on several different options, you will then decide to enroll in a plan. We work with many licensed insurance agents and insurance companies across the country that can help assist you in enrolling in a Medicare Advantage Plan that you desire. The quickest way to compare plans & prices, and/or sign up is to fill out our online quote form and get started today!
What Is The Difference Between Medicare Supplement Insurance & Medicare Advantage Plans?
A Medicare Supplement Insurance Plan and a Medicare Advantage Plan are two very different types of insurance that many individuals confuse as being the same. It is important to understand what each plan is and is not in order to purchase the best coverage for your needs. Put simply, a Medicare Supplement Insurance plan is a secondary insurance plan sold by private insurance companies. This plan type is designed to fill in the “gaps” left by original Medicare A & B. Again, Medicare does not cover 100% of everything, and so it is important to purchase a Medicare Supplement to fill those gaps. On the other hand, a Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare. Medicare Advantage Plans provide all of your Part A (Hospital Insurance) and Part B (Medical Insurance), and usually prescription drug (Part D). If you enroll in a Medicare Advantage Plan, most Medicare services are covered through the plan. Medicare services are not paid for by Original Medicare. Most Medicare Advantage plans may offer routine Vision and Dental.
When Can I Sign Up For A Medicare Advantage Plan?
There are times when you can sign up for a Medicare Advantage Plan, or make changes to coverage you already have. Below are the most common times you can sign up:
- During the 7-months period when you first get Medicare (Initial Enrollment Periods for Medicare Part C & Part D) of when turning 65 or before the 25th month of getting Social Security or Railroad Retirement Board (RRB) disability benefits.
- If you are losing group health insurance or other credible coverage.
- During the Annual Open Enrollment Period for Medicare Advantage and Medicare Prescription Drug coverage lasting from October 15 - December 7th.
To see a more complete and detailed listing, you can go to www.medicare.gov. The best way to figure out what you qualify for is to give us a call and let us walk you through the process.
Who Enrolls In Medicare Advantage Plans?
Eligible individuals from all walks of life can might find a Medicare Advantage Plan has the benefits that meet their needs. Whether you are on a very low income, a low to moderate fixed income, or are wealthy–Medicare Advantage Plans can be a great choice. Original Medicare can have “gaps” in coverage, so a Medicare Advantage plan may be right for you and it is important to purchase some other type of insurance to protect yourself from the otherwise high-risk exposure of basic Medicare. Medicare Advantage Plans are available at zero premiums, which is obviously affordable to everyone.
Important Fact: How To Save Money!
All 10 Medicare Supplement Plans are standardized by Medicare, meaning coverage and benefits are identical between companies. Price is the only difference. Our best advice is to compare plans and check for possible savings.
How Can I Learn More About Medicare Advantage Plans?
The best thing to do if you are looking to learn more about Medicare Advantage Plans (Part C); is to start your online quote comparison today. With your free rate quote and plan comparison with no obligation to enroll in a plan, you will be able to easily see the differences in coverage and monthly premiums between the varying plans offered in your area. Our website will provide you access and information to get off to the right start in your Medicare plan research.
