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Medicare Supplement Plans
All the information you need to start your Journey into Medicare
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Why Work With Us?
We Work for You
We are an Independent Medicare Supplement Agency, we carry all the top rated carriers in your state.
We do not work for an Insurance Company We Work for You! You pay the exact same going with as us as you would by going direct to the carrier.
All the Top Providers
The benefits of going with Medicare Solutions Team are that we carefully watch the Medicare Supplement companies rate increases and we know what provider has the most stable rates in your area. We carry over 20 Medicare Supplement companies.
NEVER A FEE
Our services to you are FREE of charge. We are paid a commission by the Medicare Supplement company. That price is built in to the premium even if you called the company direct. You can compare Medicare supplement plans for free here on this website.
Easy Applications
If you can answer and email, you can do the application, we have invested heavily in software and online meeting products that allows you to meet me in real time and to follow along as we fill out your application.
Why You should choose a Medicare Supplement
First Class Care
Less Out-Of-Pocket
While the monthly premiums are generally higher than a Medicare Advantage Plan, you can eliminate copays and the expensive Part A deductible. Making your overall care more affordable.
Choosing A Doctor
No Networks
With a Medicare Supplement Plan you may go to any doctor or any facility that accepts Medicare.
NO NETWORKS
Guaranteed Renewable
Policy Cannot be canceled
Your Medicare Supplement Policy can not be canceled for any reason other than non-payment. Rest easy knowing that as long as you are paying your premium your coverage must stay in-force.
Call 844-528-8688 now for a FREE rate comparison from all the top companies in your area!
Medicare Supplement Insurance Plans
Medicare Supplements are just as the name says, they supplement Medicare. They do this by paying what Medicare does not pay. For most of the United States Medicare Supplements (Medigap) plans are standardized by the letters A-N. The table below breaks down the benefits of each plan. WI, MN and MA are standardized in a different way. The 3 most popular plans are Plan G, F (the plan F will no longer be offered in 2020) and N. For most states the Medicare Supplement Plan G offers the most benefits for your premium dollar. For an in-depth explanation, see our Medicare supplement plans comparison chart.
Your Medicare Supplement Open Enrollment period is six months from the time you start
Medicare Part B, normally at age 65. There are different rules for changing Medicare supplement plans depending on what stat you are in. Get the details on changing Medigap plans HERE.
**NOTE**
If you are a Resident of Wisconsin please click the button for state specific Medicare Supplement benefits.
Companies Offering Medicare Supplement Plans
There are many companies offering Medicare supplement plans across the country and more pop up every day. While we can contract with any carrier, we have found that the large A rated companies have the stability that seniors need and demand. To help you in picking your Medicare supplement plan, we have put together a review of our top ten Medicare supplement companies, that you can read about in our blog. Below is a list of the top 5 Medicare supplement companies, that just out perform year after year across the country:
- Mutual of Omaha Medicare Supplement Plans
- Aetna Medicare Supplement Plans
- United Health Medicare Supplement Plans
- Cigna Medicare Supplement Plans
- GPM Medicare Supplement Plans
While we carry over 20 Medicare supplement providers, the list above, are the companies that continue to provide excellent service and premium stability year after year. The best priced company does vary state to state and even county to county, so call us for a completely unbiased quote at 844-528-8688.
Medicare Advantage Plans
A Medicare Advantage Plan is where a private insurance company administers your Medicare. You still have Medicare Parts A and B but there will be some give and takes with the benefits.
Most people will call anything thing the have with Medicare a "Supplement", but a Medicare Advantage Plan is not a Supplement. With most Medicare Advantage Plans you will have copays for every procedure and will have to stay in a "Network". See our Medicare Advantage vs Medicare supplement article HERE
A Medicare Health Plan or Advantage plan does have some benefits over original Medicare, in fact a company offering a Medicare Advantage Plan must have benefits at least as good as original Medicare.
You can go into a Medicare Advantage plan during your original open enrollment period and you can change plans during the Annual Open Enrollment period 15 Oct - 07 Dec of every year. There is never any underwriting for a Medicare Advantage Plan. You can read our full Medicare Advantage Plan Article Here.
Call 844-528-8688 now for a FREE rate comparison from all the top companies in your area!
Part D | Prescription Drug Plan
The final part of Medicare is Part D or Prescription Drug Plan. A part D drug plan is sold by private insurance companies, but the plans or monitored by CMS or Medicare. Every plan must be submitted to Medicare (CMS) for approval and each has to follow minimum standards.
All plans are all scored or graded on a star rating system, from 5 to 1 five being the highest or best rating, this system affects the amount that the plan is paid by Medicare, they all strive to get a 5 star rating.
With a Medicare Part D plan you will pay a monthly premium and you will have copay's on your prescriptions, you also may have a deductible. The copay price is determined by which tier the prescription is in the higher the tier normally the higher the copay.
Medicare Education
Medicare is made up of 4 parts, part A, B, C and D. Only two of the parts come directly from Medicare, parts A & B, the other two parts C and D are purchased from a private insurance company and are monitored by Medicare.
- Medicare Part A: Hospital
- Medicare Part B: Doctors
- Medicare Part C: Medicare Advantage Plans
- Medicare Part D: Prescription Drug Plan
Also see our Medicare Frequently Asked Questions - FAQ
Part A | Cost
You usually don't pay a monthly premium for Medicare Part A (Hospital Insurance) coverage if you or your spouse paid Medicare taxes for a certain amount of time while working. This is sometimes called "premium-free Part A." Most people get premium-free Part A.
You can get premium-free Part A at 65 if:
1. You already get retirement benefits from Social Security or the Railroad Retirement Board.
2. You're eligible to get Social Security or Railroad benefits but haven't filed for them yet.
3. You or your spouse had Medicare-covered government employment.
If you're under 65, you can get premium-free Part A if:
1. You got Social Security or Railroad Retirement Board disability benefits for 24 months.
2. You have End-Stage Renal Disease (ESRD) and meet certain requirements.
Part A premiums:
If you buy Part A, you'll pay up to $413 each month in 2018. If you paid Medicare taxes for less than 30 quarters, the standard Part A premium is $413. If you paid Medicare taxes for 30-39 quarters, the standard Part A premium is $227.
In most cases, if you choose to buy Part A, you must also have Medicare Part B (Medical Insurance) and pay monthly premiums for both. Contact Social Security for more information about the Part A premium.
Some people automatically get Medicare Part A (Hospital Insurance).
2018 Part B
The standard Part B premium amount in 2018 will be $134 (or higher depending on your income). However, some people who get Social Security benefits pay less than this amount ($130 on average). You'll pay the standard premium amount (or higher) if:
- You enroll in Part B for the first time in 2018.
- You don't get Social Security benefits.
- You're directly billed for your Part B premiums (meaning they aren't taken out of your Social Security benefits).
- You have Medicare and Medicaid, and Medicaid pays your premiums. (Your state will pay the standard premium amount of $134.)
- Your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount. If so, you’ll pay the standard premium amount and an Income Related Monthly Adjustment Amount (IRMAA). IRMAA is an extra charge added to your premium.
Area We Serve
As you can see by the map, we are licensed in most of the country. If you are in a state that we are not licensed in, we can still help. It just takes a few days to get the license, and we can quote all 50 states.
In the states that we serve, we carry all the top providers. That means if there is a good deal to be had for a Medicare Supplement, WE HAVE IT.
Just Click on Your State for Specific Medicare Supplement Information
How It Works
Simple 3 Step Process
1. Enter Your Zip Code
2. Fill out the Easy Form
3. You Will See Your Instant Quote
* An agent will follow up with you to confirm your quote. We do this for many reasons and most customers find they get lower rates.
** Some Companies offer "Household Discounts" others offer "Spousal Discounts" and some companies will have up coming rate increases. Unless you work with these companies on a daily basis, as we do, you would have no way of knowing these details, and the rates you see could be higher than you actually would need to pay.
*** There is NEVER A FEE for our services.
What Our Customers Say
Loran did a nice job of explaining Medicare supplement plans and what plan was best for me. He represents a number of Insurance companies and supplied us with prices from a variety of companies before we met with him. He took the time to explain Part D to us so we would be familiar with that also. He was friendly, professional and we enjoyed working with him.
Thomas G Hoof
Since becoming a client approximately 2 to 3 years ago. It has been a relief to know that someone is capable to find the exact coverage so that the out lay of money is not great and the coverage is excellent. I am very glad that someone I trust recommended Loran to me,,,,,,,,For this I will always be greatful. Plus near the policy 's end he is johnny on the spot for calling and making sure I am ready for the changes that will be coming.....I would urge anyone who has issues with Insurance call Loran, Sincerely Thank You Sharon L. Williams
Sharon L. Williams
Loran Marmes saved us about $5,000.00 per year on health insurance and drugs. He is a very good agent and a easy man to talk to..
Wayne & Judith Baumann
Loran has been very helpful with getting me a medical supplement. He also gave us needed information on how to get a drug supplement through Social security and medicare. Thank You, Bev B
Beverly Bohlman
Best insurance rep ever.calls back quick. Always looking to get you rhe best deal. Would not go anyplace else. On a scale of 1 to 10, he is a 15.
Alan Wendt
Copyright text 2017 Medicare Solutions Team a division of LJM Insurance Agency Ltd. 844-528-8688
Medicare has not reviewed or endorsed this information. Not connected with or endorsed by the United States Government or the Medicare program
