• positive review  I am so thrilled to have this selection over with. The relief is beyond description. Joann listens and talks straight. And with me if I hear or feel something is off I will politely exit the conversation. My questions and feedback were truthfully answered and at no time did I get the feeling that I was being lead, pushed or a sales pitch was happening. It was great service. Thank you and thanks for listening.

    Pilan Sue Butts Avatar Pilan Sue Butts
    April 5, 2019
  • 5 star review  I found Joann on YouTube while researching supplemental insurance. Her videos are so easy to understand Medigap. I have been in contact via email and phone. I highly recommend watching her videos. Thank you Joann for making it easy to navigate this new chapter in my life.

    Tina Hiebert Avatar Tina Hiebert
    September 19, 2018
  • 5 star review  Best decision I made going through Remdigap. I must have watched 40-50 videos from several different carriers and they mostly seemed shady. One I spoke to Joanne and walked through options, receieved some quotes she took care of the rest with absolutely no pressure. Oh yeah, her videos are clear and concise.

    Joe Moynihan Avatar Joe Moynihan
    June 15, 2018
  • 5 star review  My husband and I have been researching Medigap and Part D plans for months. Once we thought we knew what we were doing, we would find out we didn’t! Lol! If we would have started here, with Joann and REMEDIGAP, it would have been painless! So thankful we found her! Watch the videos, ask ANY question, and rest assured you’ll get a competitive rate and ZERO pressure. We got a super fast response which was helpful with my work schedule. Joann is genuine, easy to talk to, has a great sense of humor! What a Godsend. Feels like good old-fashioned customer service to me. Grateful.

    Angele Navares Avatar Angele Navares
    April 30, 2018
  • 5 star review  I came across Remedigap by chance and after reading some of the reviews I knew I had to check them out. I am so glad I did!!! So glad I had to tell anyone who will listen…hence this review. I cannot thank Joann enough for answering my questions at the 11th hour! She has, hands down, provided me with the most consise straightforward answers to my questions. Without so much as a hint of pressure in one direction or a other, so refreshing…so very important in this day and age when healthcare coverage can be dauntingly confusing! I appreciate it so much!

    Elizabeth Tatge Avatar Elizabeth Tatge
    December 7, 2017
  • 5 star review  Phoned them “cold” – based on a local area on aging recommendation and several comments penned by Ms. Quinn on websites. Unlike ALL other agencts, only Joann refrained from asking for my commitment to by a plan through them. At the same time, Joann put some searches into play and has promised to phone me once more with additonal input. It was I who offered to write this testimonial. Withouit purchasing a policy, it is the only way I know to express my gratitude for her professional conduct and genuine concern. Thank you, Joann! PS: You can take the teacher out of the school, but you can’t take the schoolteacher away. Your videos are very clearly laid-out: like a carefully constructed lesson

    Karen P. Katz Avatar Karen P. Katz
    November 7, 2017
  • 5 star review  Highly recommend REMEDIGAP videos if you want to understand the Medicare/medigap maze. Joann was thorough in her responses to my questions and requests for rates. Undoubtedly, I will be contacting this company when it is time for me to purchase a medigap policy.

    Rick Graves Avatar Rick Graves
    September 27, 2017
  • 5 star review  Very professional and courteous service. I will have a long term relationship with this business!

    Jack Broome Avatar Jack Broome
    May 12, 2017
  • 5 star review  This was the best thing I could have done for my self every thing was explained to me so I could make the best choice for me.And when I need help later they will be there for me .

    Diane Langille-stone Avatar Diane Langille-stone
    September 18, 2016
  • 5 star review  I left my Medicare Advantage HMO for a Medigap Plan N — I’m so happy I made the change. Joann was there to help me every step of the way and make the process so easy. What could have been an overwhelming situation ended up being completely stress free, thanks to Joann.

    Lorraine Roche Avatar Lorraine Roche
    August 7, 2016

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2017 Medicare Supplement Plans

2017 Medicare Supplement Plans | Any Changes to Medigap?

If you just started researching Medicare Supplement insurance or you already have Medigap coverage, you’ll be pleased to know there aren’t any significant changes to 2017 Medicare Supplement plans.

One of the greatest safety nets put in place by CMS (Centers for Medicare and Medicaid Services) is the standardization of Medigap plan benefits. So, for 2017, all Medigap plan benefits will remain the same.

That means if Medicare approves your claim, then your Medigap plan is required to pay according to the Outline of Coverage established for your lettered plan (for example, Plan F, Plan G, Plan N).

For instance, if the Part A Hospital Deductible increases, and your Medigap plan covers the Part A deductible, it will automatically adjust to pay the new deductible amount. This is another great safety net put in place by CMS.

And, likewise, if you have Plan F or Plan C, those plans will also automatically adjust to pay the increase in the Part B deductible ($183 in 2017).

Will there be any new Medigap Plans in 2017?

There aren’t any new 2017 Medicare Supplement plans. The 10 standardized plans still remain. However, you may begin hearing more about Medigap Plan D in 2017.

Now, this isn’t Part D (the drug plan), it’s Medicare Supplement Plan D. It would be nice if CMS gave this plan a different letter to make it less confusing. Nonetheless, it’s Medigap Plan D.

And, some insurance carriers are beginning to sell it. But, as of now it’s rate is still not very competitive. However, if insurance companies can reduce the rate and make it lower than Plan G, it could be worth a look.

2017 Medicare Supplement Plan Rates

This is always a popular topic. But, it’s important to note that not all Medigap companies increase rates on January 1.

When you hear about first of the year changes, it’s usually in reference to Medicare Part D (drug plan) and Medicare Advantage Plans (HMO /PPOs).

Keep in mind that Medigap rate adjustments can happen any time of the year. It all depends on when the insurance company files their rate request with the Department of Insurance.

In 2016, we saw rate adjustments every month as they were approved by the Department of Insurance. The good news is most insurance companies give one rate increase a year. And, some may even reduce their rates on Plan G and Plan N.

Speaking of  Plan G and Plan N, these plans will probably continue to grow in popularity and grab more of the Medicare Supplement market share in 2017, which may mean Plan F will incur rate increases that aren’t as favorable.

However, it all comes down to the insurance company and how they manage their Medigap plans and Medical Loss Ratios when determining their rate increases.

2017 Medigap Plans | BONUS TIP

If you’re concerned about buying a Medigap Plan and getting a rate increase a couple months later because insurers can raise rates any time of the year — don’t worry.

Most insurance companies offer a 12 month rate lock. This means your rate is secure for 12 months from the policy effective date. Just make sure you add this to your list of questions when comparing companies.

Thank you for reading 2017 Medicare Supplment Plans. REMEDIGAP is proud to provide valuable information so you can make informed decisions about your Medicare benefits.

If you want to learn more about Medicare, sign up for my free Medicare Ecourse (Click HERE). Where you can learn about Medicare on your schedule. You receive one email a day over 7 days where I cover all the parts of Medicare, enrollment guidelines, penalties and much more.

You can also call us directly at 888-411-1329.

Call (888) 411-1329 for your free consultation today!

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