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Medicare Supplement

The Truth about the AARP Medicare Supplement Plan

AARP does not sell insurance. They merely sell the use of their name to insurance companies that pay hefty endorsement fees for the name.

Forbes found: “As part of the United and AARP business agreement all three of the Medicare insurance product lines are marketed under the AARP brand name. From 2007 to 2009, United’s royalty payments to AARP have grown from $284 million in 2007 to $427 million in 2009, a 50% increase. “

In an investigative report that Congress did on AARP, called Behind the Veil – Behind the AARP American doesn't know. it was revealed that this insurance relationship with a “non-profit” is a definite, obvious conflict of interest.

For January 2019, AARP announced to most of its members that they will no longer have access to “Silver Sneakers” which had been part of their membership if they also bought insurance through the branding relationship. Thousands of seniors have expressed their outrage about this in online forums.

The Senior Savings Network has chosen NOT to represent AARP because it is, in most every case, not in the best interest of our clients to pay the extra money for this endorsement deal.

Congress Considers Changing Plan F

Congress recently held hearings on how to best reform Medicare. 

Former Senator Joe Lieberman testified before the current congress about his opinion and research that first-dollar coverage, like that afforded by Plan F, causes the utilization to go up at least 25% unnecessarily.

Current and future attempts to reform Medicare and make it viable long into the future will, undoubtedly, contain reforms to this first-dollar coverage, Plan F. Those left behind, should there be changes and reforms, on Plan F will no longer benefit from seniors turning 65 and joining the plan at their earliest opportunity. It will be a closed risk pool. The rates grow faster on closed risk pools, and that is not a safe place to be, when considering future rate increase potential.

Please the video below on the topic of the changes being proposed on Plan F Medicare Supplement.

Also see the important video on Plan F or Plan G, and why Plan G is always the better value. Click Here to see about Plan G.

Go from Medicare Advantage to Medicare Supplement

North Carolina Medicare Plans

Seniors in North Carolina are facing more challenges with regard to Medicare Advantage plans.

Many are finding that Medicare Supplement (Medigap) is a far better way to go than the ever-shifting sands of Medicare Advantage, as shown in a recent story by the Charlotte Observer, which showed that over 57,000 North Carolina seniors are losing their Medicare Advantage plans in 2015.

Seniors on Medicare Supplement plans are guaranteed renewable, with the same benefits they signed for, for life. The benefits on Medigap plans cannot be changed, and this means stability.

Seniors who are 75, 80, 85 years old should not have to compare nuances of changing co-payments, doctor networks, and new requirements that are constantly changing on Medicare Advantage plans each time the one-year contract expire.

Seniors looking for a second opinion on their Medicare plans should call the Senior Savings Network at 1-800-729-9590.

Here is the article from the Charlotte Observer:
Turmoil in Medicare Advantage hits NC seniors hard.

Turning 65 – Best Medicare Plan

Turning 65 – brand new to Medicare

What a great opportunity for a new senior citizen!
Choosing the best agent to work with can make a big difference when you turn 66, 67, 68.

Most all of our clients had an agent chase them down when they were 65 years old.

Unfortunately, these agents disappeared when the rates started to go up.
Our 70 year old clients have not heard from their agent since they were 65 years old!

The difference in the automatic rate increases vs. what they could get in the market today can be a difference of $100 per month in savings or more.

Please watch this important video on turning 65 and how to pick your agent for life:

What is the best Medicare plan for someone turning 65?
By working with your independent insurance agent, like the Senior Savings Network, that is easily solved.

Call us at 1-800-729-9590 and let us help you. Our service is free.
We are completely independent and are not employed by any one insurance company.

What does Medicare cover on Cancer?

Medicare Advantage Plans are often Restrictive on Cancer Treatment

Be sure to check the Medicare Advantage coverage on chemotherapy. Often, it is only of the cost. 

That's no better than just being on Medicare, because Medicare Part B already covers just 80% of the cost of chemo.

A Medicare SUPPLEMENT, however, is different than Medicare Advantage. The Medicare Supplement fully covers cancer and cancer treatments.

All of the Medicare Supplement plans are standardized. There are no hidden tricks or small print. They're accepted by every doctor that accepts Medicare.

See also:

SeniorSavingsNetwork.org helps seniors find the best Medicare Supplement plan by shopping the entire market.

We shop the market for the best Medicare Supplement rates in the market. We know the companies, the plans, and the best way to get the best rates.

Call us at 1-800-729-9590

Let us go to work for you. Our Medicare Supplement quoting service and help is free.

Weiss Research: Medigap Rates Vary as Much as 1,316{57afd372ef552335ba870edf523b8e4a4ddf98dad7cf21c72091c800f1bfac05}

Weiss research says that Medigap rates, on the same plans, can vary by up to 1,316{57afd372ef552335ba870edf523b8e4a4ddf98dad7cf21c72091c800f1bfac05}.

We, at the SeniorSavingsNetwork, often save clients $1,000 per year or more, simply by shopping their existing market for all of the companies available, and there is quite a difference in the rates.

From Weiss:

Medigap policies help senior citizens cover the costs for medical care beyond those covered by Medicare itself.   Plan types range from A, the basic benefit plan, through Plan N.  The benefits within each plan are mandated by the government.

In analyzing more than 5.6 million premium rates among more than 165 insurers offering Medigap insurance in 2011, Weiss found that premium rates continue to vary dramatically among all Medigap plans.  Rates for Plan A range from a minimum of $439 to a maximum of $5,776 for a 65-year-old male. The broad ranges in premium rates for Plans A through N for a 65-year-old male are illustrated below:

 

Weiss Ratings senior financial analyst Gavin Magor commented: “For 20 years Medigap rates have varied due to regional differences in pricing methodologies, state regulations, and the cost of health care.  While we expect these differences in pricing among plans and across regions, we find that there is no justification for such wide price differences for exactly the same product in the same area.  Consumers who research their options are likely to find opportunities for significant cost savings when purchasing Medigap insurance.”

Some examples of dramatic pricing differences include:

  • In Florida, Plan C costs $4,647 with Humana Health Insurance Company of FL, but only $2,880 with State Farm Mutual Automobile Insurance Company, representing a 61{57afd372ef552335ba870edf523b8e4a4ddf98dad7cf21c72091c800f1bfac05}  difference in cost.
  • In California, the plan would cost $5,133 with United Teacher Associates Insurance Company, which is three times more than the $1,693 with Globe Life & Accident.
  • In Maine, premiums for Plan F vary from a low of $1,916 with Globe Life & Accident to a high of $3,590 with Humana Insurance Company, representing an 87{57afd372ef552335ba870edf523b8e4a4ddf98dad7cf21c72091c800f1bfac05} difference in cost.
  • Plan F rates in Missouri run from $955 with Old Surety Life Insurance Company to $3,002 with Standard Life and Accident Insurance Company, a 314{57afd372ef552335ba870edf523b8e4a4ddf98dad7cf21c72091c800f1bfac05} difference.

Source: http://www.weissratings.com/news/ins_hmo/111010-medigap-rates-vary.aspx

 

To compare Medicare Supplements rates, call us at 1-800-729-9590 to get the best price on Medigap.

South Carolina Medicare Supplement | Medicare Insurance in South Carolina

Medicare Insurance in South Carolina

Are you looking for Medicare Insurance in South Carolina?
Then you have come to the right place.

The Senior Savings Network is your one-stop shop for medicare insurance quotes and independent agents. Whether you live in Summerville, Ladson, Ridgeville, or elsewhere in South Carolina our agents can help you find and purchase that perfect insurance policy.

Give us a call at 1-800-729-9590 for the best Medicare Supplement quotes in South Carolina.

South Carolina Medicare Supplement

Give us a call and let us shop the market for you!
1-800-729-9590
– A –
Cities in South Carolina that begin with the letter “A”.
Abbeville, SC
Adams Run, SC
Aiken, SC
Alcolu, SC
Allendale, SC
Anderson, SC
Andrews, SC
Arcadia, SC
Awendaw, SC
Aynor, SC
– B –
Cities in South Carolina that begin with the letter “B”.
Ballentine, SC
Bamberg, SC
Barnwell, SC
Batesburg, SC
Batesburg-Leesville, SC
Bath, SC
Beaufort, SC
Beech Island, SC
Belton, SC
Bennettsville, SC
Bethera, SC
Bethune, SC
Bishopville, SC
Blacksburg, SC
Blackstock, SC
Blackville, SC
Blair, SC
Blenheim, SC
Bluffton, SC
Blythewood, SC
Bonneau, SC
Bowling Green, SC
Bowman, SC
Bradley, SC
Branchville, SC
Brunson, SC
Buffalo, SC
– C –
Cities in South Carolina that begin with the letter “C”.
Cades, SC
Calhoun Falls, SC
Camden, SC
Cameron, SC
Campobello, SC
Canadys, SC
Carlisle, SC
Cassatt, SC
Catawba, SC
Cayce, SC
Centenary, SC
Central, SC
Chapin, SC
Chappells, SC
Charleston, SC
Charleston AFB, SC
Cheraw, SC
Chesnee, SC
Chester, SC
Chesterfield, SC
Clarks Hill, SC
Clearwater, SC
Clemson, SC
Cleveland, SC
Clifton, SC
Clinton, SC
Clio, SC
Clover, SC
Columbia, SC
Conestee, SC
Converse, SC
Conway, SC
Coosawatchie, SC
Cope, SC
Cordesville, SC
Cordova, SC
Cottageville, SC
Coward, SC
Cowpens, SC
Crocketville, SC
Cross, SC
Cross Anchor, SC
Cross Hill, SC
– D –
Cities in South Carolina that begin with the letter “D”.
Dale, SC
Dalzell, SC
Darlington, SC
Daufuskie Island, SC
Davis Station, SC
Denmark, SC
Dillon, SC
Donalds, SC
Dorchester, SC
Drayton, SC
Due West, SC
Duncan, SC
– E –
Cities in South Carolina that begin with the letter “E”.
Early Branch, SC
Easley, SC
Eastover, SC
Edgefield, SC
Edgemoor, SC
Edisto Island, SC
Effingham, SC
Ehrhardt, SC
Elgin, SC
Elko, SC
Elliott, SC
Elloree, SC
Enoree, SC
Estill, SC
Eutawville, SC
– F –
Cities in South Carolina that begin with the letter “F”.
Fair Play, SC
Fairfax, SC
Fairforest, SC
Fingerville, SC
Florence, SC
Floyd Dale, SC
Folly Beach, SC
Fork, SC
Fort Lawn, SC
Fort Mill, SC
Fountain Inn, SC
Furman, SC
– G –
Cities in South Carolina that begin with the letter “G”.
Gable, SC
Gadsden, SC
Gaffney, SC
Galivants Ferry, SC
Garden City, SC
Garnett, SC
Gaston, SC
Georgetown, SC
Gifford, SC
Gilbert, SC
Glendale, SC
Gloverville, SC
Goose Creek, SC
Gramling, SC
Graniteville, SC
Gray Court, SC
Great Falls, SC
Greeleyville, SC
Green Pond, SC
Green Sea, SC
Greenville, SC
Greenwood, SC
Greer, SC
Gresham, SC
Grover, SC
– H –
Cities in South Carolina that begin with the letter “H”.
Hamer, SC
Hampton, SC
Hardeeville, SC
Harleyville, SC
Hartsville, SC
Heath Springs, SC
Hemingway, SC
Hickory Grove, SC
Hilda, SC
Hilton Head Island, SC
Hodges, SC
Holly Hill, SC
Hollywood, SC
Honea Path, SC
Hopkins, SC
Horatio, SC
Huger, SC
– I –
Cities in South Carolina that begin with the letter “I”.
Inman, SC
Irmo, SC
Islandton, SC
Isle Of Palms, SC
Iva, SC
– J –
Cities in South Carolina that begin with the letter “J”.
Jackson, SC
Jacksonboro, SC
Jamestown, SC
Jefferson, SC
Jenkinsville, SC
Joanna, SC
Johns Island, SC
Johnsonville, SC
Johnston, SC
Jonesville, SC
– K –
Cities in South Carolina that begin with the letter “K”.
Kershaw, SC
Kinards, SC
Kingstree, SC
– L –
Cities in South Carolina that begin with the letter “L”.
La France, SC
Ladson, SC
Lake City, SC
Lake View, SC
Lamar, SC
Lancaster, SC
Lando, SC
Landrum, SC
Lane, SC
Langley, SC
Latta, SC
Laurens, SC
Leesville, SC
Lexington, SC
Liberty, SC
Liberty Hill, SC
Little Mountain, SC
Little River, SC
Little Rock, SC
Lobeco, SC
Lockhart, SC
Lodge, SC
Long Creek, SC
Longs, SC
Loris, SC
Lowndesville, SC
Lugoff, SC
Luray, SC
Lydia, SC
Lyman, SC
Lynchburg, SC
– M –
Cities in South Carolina that begin with the letter “M”.
Manning, SC
Marietta, SC
Marion, SC
Martin, SC
Mauldin, SC
Mayesville, SC
Mayo, SC
McBee, SC
McClellanville, SC
McColl, SC
McConnells, SC
McCormick, SC
Miley, SC
Minturn, SC
Modoc, SC
Moncks Corner, SC
Monetta, SC
Monticello, SC
Montmorenci, SC
Moore, SC
Mount Carmel, SC
Mount Croghan, SC
Mount Pleasant, SC
Mountain Rest, SC
Mountville, SC
Mullins, SC
Murrells Inlet, SC
Myrtle Beach, SC
– N –
Cities in South Carolina that begin with the letter “N”.
Neeses, SC
Nesmith, SC
New Ellenton, SC
New Zion, SC
Newberry, SC
Newry, SC
Nichols, SC
Ninety Six, SC
Norris, SC
North, SC
North Augusta, SC
North Charleston, SC
North Myrtle Beach, SC
Norway, SC
– O –
Cities in South Carolina that begin with the letter “O”.
Olanta, SC
Olar, SC
Orangeburg, SC
– P –
Cities in South Carolina that begin with the letter “P”.
Pacolet, SC
Pacolet Mills, SC
Pageland, SC
Pamplico, SC
Parksville, SC
Patrick, SC
Pauline, SC
Pawleys Island, SC
Peak, SC
Pelion, SC
Pelzer, SC
Pendleton, SC
Perry, SC
Pickens, SC
Piedmont, SC
Pineland, SC
Pineville, SC
Pinewood, SC
Pinopolis, SC
Plum Branch, SC
Pomaria, SC
Port Royal, SC
Prosperity, SC
– R –
Cities in South Carolina that begin with the letter “R”.
Rains, SC
Ravenel, SC
Reevesville, SC
Reidville, SC
Rembert, SC
Richburg, SC
Richland, SC
Ridge Spring, SC
Ridgeland, SC
Ridgeville, SC
Ridgeway, SC
Rion, SC
Rock Hill, SC
Roebuck, SC
Round O, SC
Rowesville, SC
Ruby, SC
Ruffin, SC
Russellville, SC
– S –
Cities in South Carolina that begin with the letter “S”.
Saint George, SC
Saint Helena Island, SC
Saint Matthews, SC
Saint Stephen, SC
Salem, SC
Salley, SC
Salters, SC
Saluda, SC
Sandy Springs, SC
Santee, SC
Sardinia, SC
Scotia, SC
Scranton, SC
Seabrook, SC
Sellers, SC
Seneca, SC
Sharon, SC
Shaw A F B, SC
Sheldon, SC
Silverstreet, SC
Simpsonville, SC
Six Mile, SC
Slater, SC
Smoaks, SC
Smyrna, SC
Socastee, SC
Society Hill, SC
Spartanburg, SC
Springfield, SC
Starr, SC
Startex, SC
State Park, SC
Sullivans Island, SC
Summerton, SC
Summerville, SC
Sumter, SC
Sunset, SC
Swansea, SC
Sycamore, SC
– T –
Cities in South Carolina that begin with the letter “T”.
Tamassee, SC
Tatum, SC
Taylors, SC
Tigerville, SC
Tillman, SC
Timmonsville, SC
Townville, SC
Travelers Rest, SC
Trenton, SC
Troy, SC
Turbeville, SC
– U –
Cities in South Carolina that begin with the letter “U”.
Ulmer, SC
Una, SC
Union, SC
– V –
Cities in South Carolina that begin with the letter “V”.
Van Wyck, SC
Vance, SC
Varnville, SC
Vaucluse, SC
– W –
Cities in South Carolina that begin with the letter “W”.
Wadmalaw Island, SC
Wagener, SC
Walhalla, SC
Wallace, SC
Walterboro, SC
Ward, SC
Ware Shoals, SC
Warrenville, SC
Waterloo, SC
Wedgefield, SC
Wellford, SC
West Columbia, SC
West Union, SC
Westminster, SC
Westville, SC
White Oak, SC
White Rock, SC
White Stone, SC
Whitmire, SC
Williams, SC
Williamston, SC
Williston, SC
Windsor, SC
Winnsboro, SC
Woodruff, SC
– Y –
Cities in South Carolina that begin with the letter “Y”.
Yemassee, SC
York, SC

How will Obamacare Impact Medicare Advantage?

Obamacare will have a significant impact on Medicare Advantage, starting in the 2014 plan year.

Seniors should be cautious when considering staying on their existing Medicare Advantage plan, as many of the plans now have a different (higher) maximum out-of-pocket costs. Many plans have gone from $3,400 maximum out-of-pocket per year up to the max: $6,700 out-of-pocket.

This means if you have a catastrophic health event that requires multiple hospitalizations, doctor visits, physical therapy treatments, etc. these costs can quickly add up to the maximum, $6,700 before you are done with the cost sharing on the Medicare Advantage plans.

If this health event happens late in the year, you can see the reset of the $6,700 limit on January 1, meaning that you are on your own to hit that limit again, fully, before the health plan takes over all costs.

See these videos on the impact of Obamacare on Medicare Advantage:

These are specific ways that Obamacare will impact seniors on Medicare:

Seniors seeking to drop Medicare Advantage should first check on Medicare Supplement quotes before returning to original medicare.

This is easily done by visiting the Senior Savings Network, a free service to seniors that compares all available Medicare Supplement plans to find the best deal in the market.

What is Medicare Advantage?

A Medicare Advantage Plan, in general, is similar to an HMO (Health Maintenance Organization) or PPO (Preferred Provider Organization). Most of these plans require you to use the providers in their network, except emergency care, out-of-area urgent care, or out-of-area dialysis).

Medicare Advantage Plans are offered by private companies approved by Medicare. You will get your Part A (hospital insurance) and Part B (medical insurance) coverage from the Medicare Advantage Plan and not original Medicare.

These plans must cover all of the services that original Medicare covers except hospice care. In the case of hospice care, original Medicare covers it even if you're in a Medicare Advantage Plan. These plans are NOT supplemental coverage.

Medicare Advantage Plans may offer extra coverage that original Medicare does not cover, such as vision, hearing, dental, and/or health and wellness programs. Most include Medicare prescription drug coverage (Part D). In addition to your Part B premium, you usually pay a monthly premium for the Plan, but not always.

You want to be sure and understand all the different aspects of each plan you are considering before making a final decision, as there are many variations in these plans. You may want to view the Medicare Plan Finder to find plans in your area. Remember the benefits are the same when comparing plan to plan. For instance, Plan G with one company is the same as Plan G with another company, even though the premiums differ.

If you are in a Medicare plan, review the EOC (Evidence of Coverage) and ANOC (Annual Notice of Change) your plan sends you each fall. The EOC gives details about what the plan covers, how much you pay, etc. The ANOC includes any changes in coverage, costs, or service area that will be effective in January. If you don't get these important documents, contact your plan, because any changes must be made from October 15 to December 7, unless there are special circumstances such as moving out of the plan's service area, obtaining Medicaid, moving to an institution (like a nursing home).

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