Overwhelmed with the Medicare Process? Don't Know Where to Start?
- Turning 65 and Medicare Eligible?
- Retiring and Losing Coverage?
- Want to Shop & Compare Coverage?
Why should you call Chad now?
- Medicare is complicated. Turning 65? Retiring? I can help.
- I specialize in Medicare Supplement & other Medicare plans.
- As an independent insurance agency, I offer many highly-rated insurance companies and plans.
- I'm passionate about helping people and my service to you is free.
- I follow up and I'm here for you before and after you buy a policy, plus annual reviews.
Compare Medicare Supplement Plans (Medigap) In Your Area
Medicare is complicated, so it's no surprise that nearly 75% of adults over age 50 say they wish they understood their coverage options better, according to a recent study by the Nationwide Retirement Institute.
My name is Chad Cason and I'm passionate about helping people to discern what health insurance is right for them. I specialize in Medicare and Medicare Supplement insurance. Whether you're turning 65 or you've been on Medicare for some time, I can help you to figure out what plan is best for you in terms of both the coverage offered and to get you the best savings possible.
As an independent health and life insurance broker, I’m not tied to any one carrier. Instead, I’m free to walk you through any of the major reputable carriers in your area and help you make the right decision for your individual circumstances.
I know this can be a complicated industry and I fully abide by all the Medicare guidelines, and follow up during and after the application process.
I am completely independent in my recommendations and take into account company background, rate increase history, stability in the marketplace, and current rates. I can help you to see what is available, at no cost as my service is free.
What is Medicare Supplement (Medigap) Insurance?
A Medigap policy is private health insurance that helps supplement Original Medicare, Part A (80% Hospital coverage) & Part B (80% Medical coverage). This means it helps pay some of the health care costs that Original Medicare doesn’t cover (like copayments, coinsurance, and deductibles). These are “gaps” in Medicare coverage. Use our free tool to compare Medicare Supplement insurance plans in your area!
All Medigap policies must follow federal and state laws designed to protect you, and policies must be clearly identified as “Medicare Supplement Insurance.” Medigap insurance companies can only sell you a “standardized” Medigap policy identified by letters A through N. Each standardized Medigap policy must offer the same basic benefits, no matter which insurance company sells it. Cost is usually the only difference between Medigap policies with the same letter sold by different insurance companies.
Watch this 3 minute video to see how I've helped real people just like you, understand Medicare and find the right coverage for their unique situation.
The Benefits of Owning a Medicare Supplement Insurance Policy
As you consider your health care coverage choices on Medicare, you want to be sure you understand how each one works, its benefits and your share of the costs. Here’s a brief look at how Medicare supplement insurance differs from other types of coverage.
Enjoy Low Out-of-Pocket Costs
Your Medicare supplement and Medicare Parts A and B work together to minimize your share of health care costs. Even unexpected medical events aren’t likely to impact your financial health. Plus, as Medicare deductibles, copayments and coinsurance increase, your Medicare supplement benefits also increase to help meet your eligible expenses.
No Provider Networks, No Referral
Freedom to keep your doctors and hospitals. Any health care provider that accepts Medicare patients accepts Medicare supplement insurance. You won’t worry about finding network providers or getting referrals to see specialists.
Rarely Receive a Bill for Covered Services
When your health care providers accept Medicare, they bill Medicare for the approved services. Medicare pays their share and your Medicare Supplement plan pays the rest. The entire process is electronic so your claims are paid quickly.
Keep Your Coverage
Your plan is guaranteed for life and renews each and every month, as long as you pay the premiums on time and make no material misrepresentations on the application (premiums are subject to change).
What’s more, your Medicare Parts A and B and Medicare supplement benefits aren’t impacted by the annual Medicare open enrollment or the Affordable Care Act annual election period every fall.
Take Your Coverage Coast-to-Coast
Just like Medicare, your Medicare supplement insurance covers your health care needs anywhere in the United States. That way, you can visit family and friends anywhere you choose.
See the World with Confidence
Some Medicare supplement insurance plans provide limited medically necessary emergency care outside the country. (Benefit is subject to a $250 deductible, 20 percent coinsurance and a lifetime maximum of $50,000.)
Compare Medicare Supplement Plan G to Save Even More
Side by side, Plans F and G include the same benefits, except Plan G doesn’t pay the $183 Medicare Part B deductible, you do. To compare, add the total annual premium for both plans and add the annual Part B deductible. If you're willing to pay the Part B deductible yourself, Plan G may be a good option for you.
When's the best time to buy a Medigap policy?
The best time to buy a Medigap policy is during your Medigap Open Enrollment Period. This period lasts for 6 months and begins on the first day of the month in which you’re both 65 or older and enrolled in Medicare Part B. During this period, an insurance company can’t use medical underwriting. This means the insurance company can’t do any of these because of your health problems:
- Refuse to sell you any Medigap policy it offers
- Charge you more for a Medigap policy than they charge someone with no health problems
- Make you wait for coverage to start
Owner/Agent
For more personalized service in finding the right Medicare Supplement plan that fits your needs and budget, please call me directly.
Chad Cason - Licensed Agent/Agency Owner