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  • Get help paying for medical expenses that Medicare doesn't cover

  • Consider Medicare Supplement options for additional coverage.

  • Our insurance agents/brokers can help

  • You can enroll online or by phone to ensure you have the right coverage

If you are simply curious about more affordable policies in your area, request a FREE quote today!

Medicare only covers some of your health care costs. It helps you pay for stuff Medicare doesn't cover.

Why Medicare Supplement Insurance Might Be Right For You

Don't want to change doctors?

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Okay, no problem. If you have Medicare supplement insurance, you will be able to see any health care provider that accepts Medicare patients. A referral or network provider is not required to see a specialist.

You don't always live in the same state?

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That's fine, no problem. You can see any health care provider that accepts Medicare patients if you have Medicare supplement insurance. To see a specialist, you do not need a referral or to go through a network provider.

Are you planning to travel abroad?

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Feel confident when you travel. The majority of Medicare supplement plans cover health care abroad. (Benefits are subject to $250 deductibles, 20% coinsurance, and a $50,000 lifetime maximum.)

Are you concerned that your coverage might be canceled?

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With Medicare supplement insurance, you can feel confident knowing that your policy can't be cancelled based on your health, the number of claims, or any other reason.

 

What is Medigap Insurance?

 

Plan F and Plan G are the two most popular Medigap plans. As you can see in the Medigap comparison chart, Plan F covers all the gaps in Medicare. Plan G is only slightly different, so it is also a popular seller.

A Medigap policy fills in the gaps left by Medicare after it pays. The Medigap plan helps you pay for your copays, deductibles, and coinsurance. (Again, these plans are also called Medicare Supplements – same thing, just two different terms.)

 

There are many name-brand carriers you are familiar with offering Medicare Supplement plans this year.

Why Buy During your Medicare Supplement Open Enrollment?

 

Enrolling in Medigap at the right time will affect your options and your ability to obtain coverage.

 

Here's why.

 

The only time you will have the opportunity to enroll in ANY Medicare Supplement plan is during the Medicare Supplement Open Enrollment Period. The Medicare Supplement plans you can choose during this enrollment period are A, B, C, D, F, G, K, L, M or N.  

 

Medicare Supplement applications usually have a whole page of medical questions. You can, however, skip all the health questions on the application if you enroll within your 6-month window.

 

Whether you are healthy or sick doesn't matter. While you are eligible for Medicare Supplement Open Enrollment, your application must be accepted by the insurance company and you must receive coverage.

You may be required to answer health questions on an application once your Medicare Supplement Open Enrollment window ends. Your health can affect whether you are eligible for coverage. In some cases, people with health conditions will not be able to get insurance in the future.

In this regard, open enrollment for Medicare Supplements is very important for many people.

 

Do you know what happens at the Annual Open Enrollment in the Fall?

In the fall Annual Election Period, thousands of Medicare beneficiaries think they can apply for a Medicare Supplement plan without answering health questions. People who don't do their research ahead of time will experience a rude awakening when they find out this information is incorrect.

Open Enrollment in the fall applies only to Part D drug plans and Medicare Advantage plans. To distinguish the two very different electoral periods, we refer to this period around here as the Annual Election Period (AEP).

This annual event runs from October 15th through December 7th. Part D drug plans can be joined or left during this time. Switching between plans is possible. The same is true for Medicare Advantage plans. AEPs are a period when you can get into or out of Medicare Advantage plans.

You can't get a Medicare Supplement through the AEP without answering health questions. To qualify for a Medicare Supplement plan, you must answer health questions and pass medical underwriting, as we stated earlier.

How do I enroll in Medicare Supplements if I missed the open enrollment period?

Recently, we spoke with a man who called us on how to get started with Medicare. Because he was unaware of the Open Enrollment Period for Medicare Supplements, he missed the opportunity to enroll. He was no longer eligible for Medicare Supplement coverage due to some serious health conditions.

The good news is that he will have another option: Medicare Advantage. People who enroll in Medicare Advantage plans are required to answer only one health question. He can then sign up for a Medicare Advantage plan in his area during the next AEP.

Since Medicare Supplements allow you to see any doctor, he would have preferred one. To get the best copays, he must use the Medicare Advantage plan's network of doctors.

My suggestion was for him to explore Medicare Advantage PPO plans, which allow him to visit doctors outside the Medicare Advantage network for a higher fee. Instead of paying 20% of things like surgery with just Original Medicare, he will have at least some coverage.

 

 

Conclusion

Are you concerned about Medicare deadlines? Our team is here to assist you.

Despite the open enrollment period for Medicare Supplements being the best time to buy, you can still apply for Medigap later on in the year. To see if you qualify for a Medicare Supplement, our team is happy to walk you through the health questions.

In addition, we offer free claims support for life, so if Medicare denies a claim or miscodes a bill, we will assist you.

Don't take my word for it. Here are what some of my current client's say about working with me.

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WHAT PEOPLE SAY

Routt Insurance is very professional and I give it a five star rating. Rob is a great representative. He knows his business. He enjoys helping others get the best plan possible. You can’t go wrong choosing to do business with Routt Insurance.

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Joshua & Cynthia Gaines

Positive: Professionalism, Quality, Responsiveness, Value
Routt Insurance is very professional and I give it a five star rating. Rob is a great representative. He knows his business. He enjoys helping others get the best plan possible. You can’t go wrong choosing to do business with Routt Insurance.

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Larry & Diana Owen

Amazing person to work with. Highly recommended. You won't be disappointed in the service that's provided.

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Roberto Navas