Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
Medigap plans are standardized - so a plan F from company ABC is the exact same plan F from company XYZ. The only difference between them is price - it's how carriers differentiate themselves.
You'll need to determine which plan you would ideally like to secure. There are a total of 9 benefits under a Medigap plan - plan F is the most comprehensive (covers all 9 benefits at 100%), plan G is the second-most (covers everything at 100% except for the Medicare Part B deductible of $147). Plans F & G are the two most popular plans.
Then compare plans from multiple companies that offer Medigap plans to find out who will offer it to you at the lowest price (assuming you either are eligible for guaranteed-issue coverage or qualify if medically underwritten). It's best to do this through an independent Medigap insurance broker. If you go to a captive agent, you'll only see numbers from one company - the one they work for. If you go to an independent agent, you can see numbers from multiple companies to make sure you're getting the lowest rate.
I hope the information is helpful - please feel free to contact me for help, including quotes and plan comparisons, and if you have any other questions. Thanks very much.
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You'll need to determine which plan you would ideally like to secure. There are a total of 9 benefits under a Medigap plan - plan F is the most comprehensive (covers all 9 benefits at 100%), plan G is the second-most (covers everything at 100% except for the Medicare Part B deductible of $147). Plans F & G are the two most popular plans.
Then compare plans from multiple companies that offer Medigap plans to find out who will offer it to you at the lowest price (assuming you either are eligible for guaranteed-issue coverage or qualify if medically underwritten). It's best to do this through an independent Medigap insurance broker. If you go to a captive agent, you'll only see numbers from one company - the one they work for. If you go to an independent agent, you can see numbers from multiple companies to make sure you're getting the lowest rate.
I hope the information is helpful - please feel free to contact me for help, including quotes and plan comparisons, and if you have any other questions. Thanks very much.