With Medigap (or Medicare Supplement Plans) you are allowing yourself to be covered in excess of what you would get with a standard Medicare policy. Aetna offers some perks to anyone that wants to supplement their Medicare plan with an Aetna Medigap plan to entice you to enroll. Here are three perks that are offered to members of any of the three Aetna Medigap plans.
continue reading "Wellness Programs and Tools are Offered to All Aetna Medigap Plans"

Medicare plans are offered through many different suppliers, and then there are supplements to these plans like the Aetna Medicare HMO Plan. This is a Medigap (or Medicare Supplement Plan) that helps you get some coverage that you may not otherwise get with your standard Medicare plan. You must continue to pay your Medicare Part B premium and Part A, if appropriate, but you get the benefit of the following:
continue reading "Aetna Medicare HMO Plan – Choosing Your Doctor"

You may well know that from time to time there are good reasons to switch your Medigap policy. It may not be necessary to get more coverage, but it also may not be necessary to keep the same coverage and either way this will cause you to re-evaluate things. Two more situations may make it necessary to consider switching from one Medigap policy to another.
continue reading "Need More reasons to switch Medigap Policies?"

When your Medicare coverage doesn’t extend to a certain situation then your Medigap coverage can be seen as a Godsend. Paying a monthly premium to avoid the high costs of emergency hospital visits is definitely worth every penny paid. If there are good reasons, however, to switch from one Medigap policy to another they are probably listed below:
continue reading "What are good reasons to switch Medigap policies?"

All of your options are under one plan, that sounds nice and that is what you get with a Medicare Advantage Plan. If you are bad at what each part of your Medicare or Medigap plan covers this is a great option for you. What you need to know is paying for both a Medicare Advantage Plan and a Medigap plan could be a waste of your money.
continue reading "The Effects of Medicare Advantage Plans on Medigap Policies"

To be able to take advantage of certain benefits with insurance companies it is sometimes required that you live in a certain area. One type of coverage that is like this is Medicare SELECT and you should be aware of what you have to do to keep your coverage valid. You will have a few options to keep your Medicare SELECT coverage as you move out of the area you are in.
continue reading "Out-of-State moves and Medicare Select"

If you are relying on your Medigap policy to help you stay healthy it can be a stressful thing to keep up with. When you are open to more and more health issues it is important to make sure you have the right coverage to protect yourself. So when this is your situation it is important that you make sure your Medigap policy is still useful when you move out of your current state of residence.
continue reading "Does a move out-of-state require a new Medigap policy?"

Insurance companies are notorious for making it tough to understand policies due to small and seemingly insignificant policy language. With pre-existing conditions this is definitely the truth when you are discussing health insurance. When changing from one Medigap policy to another this is definitely something that you should consider.
continue reading "When is it acceptable to switch Medigap policies?"

Getting the proper Medigap policy can be tough as you will be concerned about getting the right coverage for your situation. With all of the changes and the different policies it is a difficult decision to make when you change. Before switching from an old Medigap policy to a new one you should consider a few things:
continue reading "Are older Medigap policies forced to end?"

You will always have a period of time that you can switch back to an old Medigap policy if you are trying a new one. You will still have to pay for the premium for the days that you used the policy, but you have the option of checking out the coverage. When you sign up for your Medigap policy it all starts with one little promise.
continue reading "Medigap and the Free Look Period"

If you have already started a Medigap policy and want another one it is tough to do if the policy period has started. The rules are very strict in this instance but it is possible to change Medigap policies after starting. Guaranteed rights will possibly give you the option to change your Medigap policy and it is also possible if you are in the 6 month Medigap open enrollment period.
continue reading "Is it possible to switch Medigap policies?"

Through Medicare there are private companies that sell Medicare Supplement Insurance plans to give you the opportunity to get the coverage you need.  One such plan that is very popular is the AARP Medicare Supplement Insurance plan that is offered to many, many customers.  AARP has some conditions that must be met in order for you to be covered under a pre-existing condition and they are discussed below.

1.  Individuals who are replacing prior creditable coverage within 63 days after termination, or

2. Individuals who are turning age 65 and whose application formis received within six (6) months after they turn 65 AND are enrolled inMedicare Part B, OR

3. Individuals who are “Eligible Persons” entitled to Guaranteed Acceptance, or

4. Individuals who have been covered under other health insurance coverage within the last 63 days and have enrolled inMedicare Part B within the last 6months.

AARP Medicare Supplement Insurance is not the only plan that can be purchased if you need coverage in addition to your existing Medicare coverage.  Anything that is needed that you don’t see with AARP needs to be discussed with another potential insurer that could meet your needs and satisfy your demands.

Many of the Medicare Supplement Insurance plans are similar in their approach and you may find that Humana’s Plan K and Plan L are very similar plans.  What is different are the items that are listed below that are part of the Medigap Plan L that is offered by Humana Insurance.  Like any other insurance coverage, not everything is listed but many options that you have to be covered are listed below.
continue reading "Humana Medicare Supplement Insurance Plan L: Variety of Services, Affordable Premiums"