MedicareBob

Guaranteed issue rights (also called “Medigap protections”) are rights you have in certain situations when insurance companies must offer you certain Medigap policies. In these situations, an insurance company:

Must sell you a Medigap policy

Must cover all your pre-existing health conditions

Can’t charge you more for a Medigap policy because of past or present health problems

In most cases, you have a guaranteed issue right when you have other health coverage that changes in some way, like when you lose the other health care coverage.

You have Original Medicare and an employer group health plan (including retiree or COBRA coverage) or union coverage that pays after Medicare pays and that plan is ending.

You have the right to buy Medigap Plan A, B, C, F, K, or L that’s sold by any insurance company in your state.

If you have COBRA coverage, you can either buy a Medigap policy right away or wait until the COBRA coverage ends.

You can/must apply for a Medigap policy no later than 63

2018 Medicare Supplement Plans: 3 things you should know!

1) You can shop your Medicare Supplement Plan all year. The December 7th deadline does not apply to Medicare Supplement Plans.

2) Medicare makes it easy for you to compare: Section 6 page 79 in the 2018 Medicare and You book states that the Medicare Supplement Plans are “Standardized”. The benefits of a Medicare Supplement Plan G are the same with every Carrier. The only difference is price.

3) My office makes shopping and comparing easy for you. One phone call and we will give access to every Medicare Supplement Quote available to you. Call 1-855-368-4717.

My name is Robert Bache, MedicareBob. My Insurance Agency, Senior Healthcare Direct helps Medicare Beneficiaries with understanding their Medicare Supplement Insurance options. The 3 most popular and comprehensive Medicare Supplement Plan are Plan F, Plan G and Plan N. Please read below or watch the video below to learn why Medicare Supplement Plan G is my recommendation for 2017.

Medicare Supplement Plan F = Full Coverage

No Copay

No Deductible

Any Doctor / Any Hospital

Medicare Supplement Plan G = Greatest Value

The Plan G will cover you exactly like the Plan F except for one difference. You will have to pay the Part B Deductible, which for 2017 is $183.00. The reason that Plan G is the greatest value is because it is usually $300 to $600 less per year then the Plan F and again the only difference is the $183.00 deductible. So why pay an insurance company $400 just to pay your $183.00 deductible. Plan G just makes more sense.

Medicare Supplement Plan N = Not Fixed

Plan N is a rea