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The cost for a medigap plan can vary greatly depending on several factors. Below is a list of factors to consider that will effect your monthly premium.
Age: Your current age is perhaps the largest factor in medicare supplement prices. The older you are the higher your premiums will be. If you are going to purchase a medigap plan it is always best to purchase sooner rather than later, prices only go up as you age.
Location: Prices can vary accross zip codes, cities and even states. For example; a company that has a great price on the west side of town maybe the most expensive on the north side of town. Or the insurer offering the best price in Ohio, might be the most expensive in Arizona. it is always best to work with an independent agent who offers several carrier options to make sure you are always getting the best price regardless of location.
Coverage Level: Generally speaking, the more coverage you purchase the higher your monthly premium will be. Medigap Plan F covers 100% of your medicare gaps therefore it will typically be quite a bit more expensive than Plan N with a high cost share.
Company: allthough medicare supplement companies all offer the same set of 10 standardized plans, prices can vary significantly between them. Make sure you shop prices with several different companies by using out medicare supplement quote tool.
Online price quotes from 30+ highly rated Medicare Supplement insurers.
$0 Copay, $0 Deductible Medicare Supplement Plans are available.
Compare plans from Mutual of Omaha, UnitedHealthcare, BlueCross and More!
Medicare supplement plans that allow you to choose your own doctors nationwide.
Be a diligent consumer and periodically shop around to compare your options. It is important to review your coverage to make sure you aren't paying too much for your plan!
Remember, Medicare Suppplements are standardized by Medicare! There is no reason to pay a high premium when lower rates are available to you.
If you are turning 65 or Enrolling in Medicare Part B for the first time you are in your Medicare Open Enrollment. During this time you can enroll into any Medicare plan with no medical underwritting and are guaranteed acceptance.
Take this opportunity to educate yourself and make a well informed coverage election.
If you are retiring and losing employer group coverage or moving out of network with your current Medicare Plan you may qualify for a Special Election Period. During this period you can enroll into a Medicare Supplement with guaranteed acceptance.
Use this unique opportunity to find coverage that will suite your needs in the long run.