medigap plans for people for under 65

Medigap Plans for People under 65

Are Medigap plans for people under 65 available in Arizona? Medigap plans for people under 65 are not available in Arizona and  19 other states. An article on kff.org looks at which states require insurance companies to sell Medigap plans to [...]
medicare outside the U.S.

Medicare Outside the U.S.

Can you use Medicare outside the U.S.? NO What if you have a Medicare Advantage plan? Some Medicare Advantage plans will pay for emergency care outside the U.S. Today I talked via Skype to a client who has moved to Costa Rica and was wondering [...]

Medicare Supplement Canceled

I got a call from a client who had her Medicare supplement canceled.  It turns out she had some upheaval in her home and she had to move out for a few months.  She did not get her mail, so she did not pay her bill, and her supplement was canceled. Sara [...]
medicare numbers

Guaranteed Issue for Medigap

Seniors enrolled in a Medicare Advantage plan who move to a new state (or sometimes another county), can get a Medicare supplement with “guaranteed issue”.  Medicare supplements are also knows as “Medigap” plans because [...]

Medicare Part D: Are you paying too much for your drug plan?

Most seniors are in the wrong Part D plan.  I saw a study last year that found  only 5.2% of seniors chose the most economical Part D plan available to them. Yesterday, I met a person who is a good example of what the study talked about. I [...]

Medicare: How much will your hospital bill be?

Should you get a Medicare supplement to fill the gaps in Medicare?  How much will your bill be if you are admitted to the hospital and you only have Medicare? A good explanation of how Medicare works when you are admitted to a hospital can [...]

Why Choose a Medicare Supplement?

Medicare supplements are also known as “medigap” plans because they fill the gaps in Medicare.  Medicare supplements cost more than Medicare Advantage – up front.  Lately, most of my clients who are turning 65 have chosen [...]