Medicare Supplement Plans 2018

The Medicare Supplement plans 2017 will be different in the year 2018. This is because these are private health insurance plans. These are subject to changes as per the insurance company’s policies. The main factors affecting health insurance plans are developments in healthcare technology. This is also happening in the medicines. Altogether, the healthcare industry is privately owned. They bring new life-saving medicines and healthcare equipment. They do have a cost, and the health insurance company may not always cover those costs. This can be treatments and pay for those medical equipment charges.  Find a 2020 supplement plan at

The state and the federal do have a control over the private health insurance companies. If you live in the USA, the Medicare Supplement plans available in New York City will be different to the plans available in California. If you are a permanent resident of NYC, it is advisable to check the state regulation over private healthcare policies. You can check this online with your state health department. You must also check with the private health insurance company’s official website. You can also check this over the phone by consulting with a licensed health insurance agent in your place.


The coverage of Medicare Supplement plans may differ with the last year plans. You must also check your existing Medicare policy. This is because you are going to fill the gap of what your Medicare plan does not permit. The changes in Medicare plan do affect your existing Medigap plan. You cannot expect every year you will benefit out of your health insurance coverage. You must check for what is inclusive and exclusive every year. This is because the health care policies are changing according to the healthcare industry trends. It is advisable to switch plans if any current changes do not benefit you by holding the Medigap plan.

If you are new to Medicare Supplement plans, it is advisable to read and understand the plan properly. The plan for 2018 or the year you have taken a plan does change every year. However, the private health insurance company notifies this to their policyholders. It is advisable to take the best supplement plan after cross-checking with the top 10 health insurance companies in the USA. This will enable to take a plan, which has the least cost, and high benefits to the healthcare policyholder. You can also find a few new private health insurance companies in the US healthcare market in the year 2018.

Simple ways to save your money from your Medicare supplement plan

Medicare supplemental is a renowned health insurance protection plan provided to the senior citizens and the disabled people, who are above 65 years and also below the age of 65 years. These are very effective and convenient medical protection plan that can protect your life from any type of serious diseases that you are suffering from.

Many of the people are talking about the matter of saving money from the policies. As most of the people of today are on a fixed income it is important to save money from their Medicare Supplement Plan also. You should know some easy tricks to save money from the plans.

Husband-wife discount

This is probably the most convenient way to save money by sharing the same plan with your spouse. Not all the service providers offer this, but the majority of the authentic and competitively-priced companies offer.

It is more like an incentive to keep all of your business and plans with the same company. If you and your wife is dealing with the same company but not receiving the significant discount, you can ask your existing company for that or can find a new company that will be less expensive will come with this discount.  Get the best 2020 supplement plans at

Payment Mode Discount 

Companies handle this in different ways or in their own terms and rules. Many of the Medicare Supplement Plans of different companies come as less expensive as you pay the amount monthly by a bank draft; however, some of the companies comes as still less expensive if you pay the amount annually or semi-annually. You need to research more to get the convenient one for you to avail the best ever discount.

Early Enrollment Discount

Some of the companies offer the special early enrollment discount for the clients who enroll in their different Medicare Supplement plan within a specific period of time after turning 65. This discount is usually reduced over time; however, when enrolling at or age 65, you can consider the rates of the companies as one company can give more discount than others.

It is necessary to keep in mind that the exact rate of Medicare Supplement Plan is set and no one can offer a better rate than other. But some companies offer special discounts that can affect the rates and that make the rate of a company much better than another one.

Buying Medicare supplement plan during the enrollment period

These Plans are the most convenient type of health insurance available to fixed income people and seniors. People who have purchased these Medicare Supplement plans can visit almost any hospital, doctor, and specialist and they need to pay very little amount or nothing at all for these services.

The only problem with the Plans is the associated companies that offer this type of insurance come up with underwriting guidelines that often makes it tough to qualify as the consumers have pre-existing conditions. Using the guaranteed issue guideline to buy one of such plans can make a great difference in the quality of the care that you will receive and you will be able to save out of pocket expenses for physician and hospital service.

Reasons to buy during the period-Get a supplement plan for 2019 at

  • Most commonly used Medicare supplement period of guaranteed issue is its initial enrollment period that starts generally on the first day of a month in which one enrolled in Part B of Medicare over 65 years of age. This period usually extends for six months and one can enroll in any of such plan by any company during this period of time without answering any type of health-related Most of the seniors purchase the Medicare Supplement Plan F during the initial period of enrollment to get most of the advantages.
  • Another most popular guaranteed issue period is when seniors choose to work after crossing their 65 years birthday. During the time, they are covered often by the employer’s plans that offer more coverage to the actual Medicare. However, when they retire finally and leave the employer plan, they get a 63 days guaranteed issue period to enroll the right plan as per their choice. This period includes also the people who have retired from work but still covered on the previous employer’s
  • Most of the times, Medicare Supplement Plans offer better coverage to the Medicare Advantage Plans, this is the key reason that many people prefer to enroll in the original Medicare and purchase supplemental insurance.
  • Medicare Supplement Plans are one of the best options for the seniors, particularly who have complex medical issues that need special attention. With the supplement insurance, you will get more options regarding that you can visit, and you will have less out of pocket expenses for rendered medical services. Due to the complicated underwriting guidelines, it is good to purchase any of these plans during your guaranteed issue period.

Are Medicare Advantage Plans a Better Choice?

One of the biggest advantages that Medicare Advantage plans have is their low premium. The Federal Government continues to support these plans and has a new strategy that makes some more attractive. They are now rated on a five star scale and a high rating means more federal funds. This in turn means that the premiums can be low because the insurance company receives more federal funding for the plan.

In 2012, Medicare Advantage Plans are expected to be cheaper. A four percent cost cut is forecast at an average of $ 32 per month. This is quite remarkable, considering that some of these policies are already $ 0 more than the price of Medicare Part B charges.

In 2012, Medicare Part B premiums will only rise by $ 3.50 for the majority of beneficiaries. This is the first time in three years that Medicare beneficiaries have raised these premiums.

There will be some savings for beneficiaries who spend enough deductibles to meet the Part B deductible. The deductible of $ 162 will be reduced to $ 140 in 2012. Beneficiaries do not have to pay the deductible before a long list of preventive health care is covered. These benefits are age-specific, so a longer life actually entitles you to better health care.

Medicare Advantage plans are expected to see growth in membership

Only about 25 percent of Medicare beneficiaries currently receive benefits through any of the Medicare Advantage Plans. However, private insurance companies expect an increase in subscriber numbers in 2012 due to the decline in premiums.

The other big selling point of Advantage plan is low cost together with extended coverage. The plans are required to provide all traditional Medicare benefits by law, but most plans add extra value. They usually pay for dental services, assist with hearing aids and provide coverage for the visual aid.

Enroll in a 2019 advantage plan at

There is another reason to choose an Advantage Plan. It offers guaranteed acceptance for all pre-existing health conditions except end-stage kidney disease.

These benefits make it hard to understand why more Medicare beneficiaries are not exploring this option. For the same price they are already paying, it could give them additional coverage.

In terms of availability, Medicare Advantage plans vary. Some areas in the country, such as urban environments, may have around two dozen of MA plans, though some Advantage Plans are not available in some parts of the country. If you are lucky enough to have multiple options at your place of residence, you should compare both cost and coverage.

MA plans come from private insurance companies that set their own rules in the area that Medicare permits. To make sure you get value for your money, read how the coverage is provided. For example, Advantage plans have set up their own networks of providers and do not pay for non-emergency care provided by people outside of this network. This makes it important to check the list of doctors and see if your doctor is considered an in-network.

A Medicare Advantage Plan for Profit

You probably know as a senior that there are alternatives to Original Medicare to select from and Medicare advantage plans is one of these. Nowadays, most seniors prefer an advantage plan to Medicare because they have more coverage and additional benefits and expenses will be lower. Nevertheless, it will be difficult for you to decide which insurer or coverage to obtain if you did not do your research. Whether you are worried about your future medical expenses or just the ones you are undergoing, a knowledge of an advantage plan to replace your Medicare will be a great idea.

Who supports Medicare Advantage plans?

You have to understand that all insurers in the US are focused on making profit. For this reason, they are only willing to accept the risk of medical bills for seniors because they believe they can make a profit by accepting this type of risk with the belief that they will make a lot more money than they would have to spend.

Usually, the federal government supports the financing of the advantage plan via the premium paid by the Medicare beneficiary and the premium directly paid to the company. The insurance company in such situations, is likely to generate revenue in the end simply because they are able to dictate deductibles and additional costs to their consumers and also have access to specialists to invest the funds.

Cost of Medicare Advantage Plans :

By now you’ve probably already realized that Medicare and an additional plan cost far more than any Medicare plan on the market. For example, there are a ton of Medicare benefit plans that are literally completely free for all seniors who have already enrolled in Medicare Part B. In general, you will need to pay for this part B bonus. These deductibles and co-pay will still remain, depending on the comprehensive nature of your Medicare plan. Depending on what type of added value the plan includes, you may have to pay an additional premium. Extra benefits may include:

  • Prescription drugs (only in certain plans)
  • Vision care
  • Dental care

Additional benefits of Medicare Advantage plans: Find a plan at

You have so many extra benefits to enjoy with Medicare benefit plans as mentioned above; these are additional coverage that you will not find with traditional Medicare. This too consists of dental care, prescriptions, and visual aids. Nevertheless, to take advantage of some of these benefits, the insurer may require that you receive a referral from your doctor and you need to go to a doctor on their network. If you purchase a Medicare plan, you will find that insurance companies charge a much higher premium for these extra benefits, you can save by purchasing a plan with fewer covered services.

With the erratic costs of healthcare, patients and the federal government are beginning to think carefully about how they will manage the cost of their medical care. As the current system is nearing collapse, many are considering a private insurance company to settle their affairs. These days, Medicare Part C plans are the perfect solution for all Medicare beneficiaries; the federal government partially sponsors them to help them cut costs.

An advantage plan is a great alternative to Original Medicare, but it’s not for everyone.


How the Medicare supplement plan work

These plans are specially designed to fill the gaps in the original Medicare plans including Medicare part 1(hospital inpatient) and also part 2(doctor/outpatient). These special plans are consistent across different companies and all the companies provide similar standardized benefits. These plans are easy to understand that how they work. These are some major points to know while you are looking for the plans:

 Federally standardized

Medicare supplement plans are the federally standardized plan. All the plans provide equal coverage no matter what company it belongs to. This means that a Plan F of one company will give you the same coverage like the other company. For this reason, you need to compare the plans on the basis of monthly premium and the ratings and reputation of the company. As the price is equal, this is always preferable to go with a company that has an impressive track record in the world of senior insurance marketplace and has a high financial strength rating.  Find a 2019 supplement plan at

Can be used in every medical establishment

These plans can be used properly at any medical establishment, hospital or doctor nationwide no matter which company you are dealing with to buy the plan. There are many network-based insurances but this is not suitable for the Medicare supplement plans. On the contrary, these plans give you enough flexibility that you will be able to use the plan anywhere in the country that takes the Medicare. Due to the great level of flexibility, these plans have become more popular as the best supplement for your Medicare coverage.

Plans pay the claims through the crossover system

Medicare Supplement Plans 2019There are no variations also in the time period that how efficiently and how quickly one company pays the claims than another. Some of the companies may use the selling points of their timelines in paying the claims but this is not properly right when it comes to this type of insurance. As the Medicare supplement plans are federally standardized and pay claims in crossover system, you can be assured that regardless of any company, your claims are going to be paid in a timely manner and there should be minimal or no involvement from their insured clients. Once you have bought the plan, you just need to have your blue, red and white Medicare card as you are receiving services from a hospital or any doctor.

These are viable plans for the people who are on Medicare and want to limit their medical expenses.

Rightways to select the right Medicare Supplement plan for you

A medical insurance is very much important for all of us and this type of program helps us during any kind of emergency. Medical insurances can help you worry less about the monetary matter during a time of medical emergency. These plans are much essential, especially for senior citizens.

It is really important to have the available plan for you or the loving aged member of your family so that you will not have any problem as you are claiming the insurance. There is a number of agencies that offer medical insurance for the senior citizens above 65 years old.

While looking for your insurance you must try to find the ones which are undertaken by the government.

Medicare is one such popular insurance available these days. Before choosing the plan you need to check out the details to make sure that the plan matches your criteria best. If a person takes up the Medicare supplement plan he will be paid 80% of their total medical expenses.

Search through the internet

No matter which company you are choosing but the benefits will be the same as the Medicare Supplement Plans. But what plan to choose according to your requirement? This can be confusing for you to determine but you have some convenient ways to choose.

Search over the internet-Get a quote for 2019 here

You can search over the internet and you will get all the valid information about each Medicare Supplement plan. You just go through all the criteria, benefits, premiums and other details to know better your insurance and the different plan comes with a different level of coverage.

Discuss with a different insurance agent

Though these are standardized policies, you need to buy them for the private agents or agencies. You can discuss the matter with different agents of different companies or an agent who sells the Medicare Supplement Plans of different companies. They can guide you to choose the most appropriate one for you based on your age, income, requirements.

Word of mouth

If you have a friend or family member who opted for the plan, you can as him/her to share their knowledge on the topic with you so that you will be able to understand which one is appropriate as per your requirements.

Till date plan, f and plan J are the two most popular plans available of the supplement program. There are also plan M and N that quite popular. But different plans provide different coverage to the clients.

Medicare Supplement plan F or G, Which is better for you?

If you are going to buy the Medicare Supplement plan and the need the value for money choice, you will surely look for the most comprehensive plan like Plan F. Have looked into another Supplement plan, Plan G?

Maybe this plan is not as popular as Plan F but it surely deserves a look. There are 10 standardized plans referred to as Medicare supplement policies. The more supplement plan pays towards your expenses for the covered services, higher the premiums. It is really tough to find a balance between the premiums and what you are ready to pay for the services.

You need to consider your budget first and then your health and your general attitude toward insurance.

Differences between the two plans: Find out more at

Plan F pays 100% of your share for the services covered by Medicare. This includes:

  • Part A deductible
  • Part A coinsurance
  • Part B coinsurance/copayment
  • Part A hospice coinsurance/copayment
  • Part B deductible
  • Part B excess charges
  • Skilled nursing facility care coinsurance
  • Preventative Part B coinsurance
  • Foreign travel emergency
  • First 3 pints of blood

Now come to the Medicare supplement Plan G. It can is cover almost everything except the Medicare Part B deductible. There is really not that much of difference between these two plans.

Mathematics and probability of two plans

  • Comparing Medicare supplement plan G and Plan F provided by different insurance companies is easy as all the plans are standardized. The benefits of Plan F benefits will be the same no matter what company you are dealing with.
  • Once you have found the best and lowest premiums for these two plans you need to do the math. It’s
  • The difference between the annual premiums of the two plans is the key. If the annual premium for Plan F is more than Plan G, you should go for Plan G. If it’s less, go for Plan F.
  • You may find that in some point something is mute because insurance companies are not going to earn the smaller margin on one plan or the other as they have some solid actuarial data that indicates the variation in the claims experience between the two plans.
  • Choosing between Medicare supplement Plan F and G may depend on your general philosophy about the insurance. If you want to purchase and don’t need to worry about further works; get the Plan F. If you need to bet on the not using covered outpatient services, go for Plan G.