Finding the right Medicare Supplement plan has never been so amazingly easy!
The above might sound like a bullsh*t statement, but if you read a little more, the light will come on.
A brief bio (or) Who am I?:
I’m a licensed, local (please support local businesses) Medicare insurance broker and write all the major Medigap insurance companies in AZ for 10+ years. None of my clients have ever paid me a dime for my services, and neither will you. More on this later.
*You will find a link to my Google reviews at the bottom of this page.
Now Back On Topic:
Medicare dictates the coverage for each Medicare Supplement plan. Many people are surprised that Plan G with company X will be exactly the same coverage as Plan G with company Z. If you doubt this, here is some proof.
Have you seen the booklet (shown below), which is produced by CMS & NAIC? (text me at 480-231-6989 if you want a copy)
Page 13 reads, “Different insurance companies may charge different premiums for the same exact policy.” And here is the real kicker, you would be shocked to see how much these premiums can vary for the SAME EXACT POLICY.
A little more proof, this time from page 70 of the 2020 Medicare & You handbook. (text me at 480-231-6989 if you want a copy).
The chart below from page 70 shows you the coverage each standardized Medicare Supplement plan provides.
Why is this important?
Because it shows how Medicare dictates the coverage an insurance company must provide for each plan. Each plan is the same from company to company but the rates can vary a lot.
Many clients ask if their doctor will accept a Medicare Supplement plan provided by a specific company. Networks are typical limitations on Medicare Advantage or PPO plans but not Medicare Supplement plans.
With a standardized Medicare Supplement plan (without a network), you can go to any doctor or medical facility, providing they accept Original Medicare, which is estimated to be 93% of all facilities and doctors in the USA.
Now, if the insurance companies have these “standardized” policies which provide the same coverage, how do you find the company with the most competitive rates and make sure they are stable (*A.M Best Rating with future outlook) enough to survive the next economic downturn?
What is A.M. Best financial rating? A.M. Best is a financial rating organization providing consumers a reliable way to check the financial stability of insurance companies for over 100 years.
It would take many hours to call each major insurance company, going through each phone tree, waiting on-hold, listening to each representative's sales presentation on why their company is best, and compile quotes based on your needs.
This is where I can help. There is an incredible time-saving tool in which your information is entered and will generate a report which can be provided to you ABSOLUTELY FREE. Did the light just bulb just turn on?
And best of all, your secure information like Social Security and Medicare number is NOT NEEDED to provide you with this information. There is no obligation, no cost, no risk, no commitment, no pressure, and requires very little time.
You will communicate directly with me. I’m local and happy to chat via phone, text, email, Skype, Zoom, or face-to-face, whichever you prefer.
How does a broker get paid if services are free?
An independent broker gets paid a commission for assisting with your enrollment and will be paid by the insurance company you select. You get the same rates and benefits as if you contacted the insurance company directly.
So let's circle back to the original statement. Locating the right Medicare Supplement plan has never been so amazingly easy!
All you have to do to get this report is to contact me and provide me with some basic information, which typically takes less than 5 minutes. You will not pay me a dime for this report, and I do not implement any pressure sales techniques.
Request your FREE report, which takes only a few minutes to request.
CALL or text 480-231-6989 NOW!
Google reviews: (currently not available due to Covid-19)