• 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.

    thumb Pilan Sue Butts
    4/05/2019
  • 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.

    thumb Tina Hiebert
    9/19/2018
  • 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.

    thumb Joe Moynihan
    6/15/2018
  • 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.

    thumb Angele Navares
    4/30/2018
  • 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!

    thumb Elizabeth Tatge
    12/07/2017
  • 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

    thumb Karen P. Katz
    11/07/2017
  • 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.

    thumb Rick Graves
    9/27/2017
  • 5 star review  Very professional and courteous service. I will have a long term relationship with this business!

    thumb Jack Broome
    5/12/2017
  • 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 .

    thumb Diane Langille-stone
    9/18/2016
  • 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.

    thumb Lorraine Roche
    8/07/2016

  • Free quotes sent to your email
  • Compare costs of plans
  • Estimate your savings
  • Get help with your enrollment

Costly Medigap Buying Mistakes

3 Costly Medigap Buying Mistakes

If you’re like most people, your money matters and you don’t want to make a bad decision when buying a Medicare Supplement (Medigap) plan. That’s why it’s important to be aware of what to expect when you start researching Medigap plans.

In this article, I’ll share 3 tips on how to avoid making Medigap buying mistakes.

Tip #1: Don’t press the “Enroll” button

It’s common to want to shop online. After all, we do it with so many things in our lives now and the internet makes it very easy.  But, you need to be very careful when pressing the “enroll” now button. 

See why in the graphic below:

Costly Medigap Buying Mistakes

AND, if you do end up finding an Enroll Now button that actually allows you to input your information and buy a plan, then you’ve just forfeited any choices that were out there for you. Meaning, you settled for the ONE Plan F, Plan G or Plan N that company offered.

Which brings us to…

Tip #2: Don’t buy from the insurance company

Remember, the insurance carrier doesn’t offer any choices. You get their one price for Plan F, Plan G or Plan N. So, whether you choose to enroll online or call directly, it’s the same end result — no choices.

Keep in mind, a bigger brand name doesn’t mean a better plan. All Medigap companies offer the same exact plans and aren’t allowed to change benefits. The only thing they can do is charge a different rate for that plan.

And, they’re not going to tell you their competitor has a better premium. They’ll gladly sign you up for their Medigap plan and to sell you something else.

Which leads me to my most important tip about how to avoid Medigap buying mistakes.

Tip #3: Say NO to pushy Medigap sales tactics

This one upsets me the most. Learning a out Medicare Supplement insurance can be overwhelming. You don’t need the added pressure to buy when you’re not ready.

Unfortunately, high pressure sales tactics still exist. Let’s take a look at three examples.

Pressure to buy Medigap before rates increase

Mr. B contacted me after he called the insurance company to get quotes. He was reaching for a second opinion. He mentioned that the insurance company told him he should make his decision quickly since rates go up in October. This is a pressure tactic.

The insurance company was creating a sense of urgency that wasn’t real. In fact, rates weren’t going up in October because the insurer just had a rate adjustment a few months prior.

The agent at the insurance company put added pressure on him to believe he needed to buy right away.

Pressure to buy Medigap because you owe it to the agent

Mr. W told me he had an agent call him numerous times. The agent finally said, in so many words, that because she had taken the time to call and follow up with him that he should buy a Medigap plan from her.

This is highly unethical and just plain wrong. It’s okay for you to say NO to anyone who attempts to guilt you into buying Medigap. As insurance professionals, it’s our job to provide as much information as you need. You don’t owe anyone your business just because they gave you free information.

Pressure to get Medigap information over the phone

One of my clients told me that when he was in the research mode for Medigap plans, he kept getting a lot of phone calls. Mr. H informed the agents that he only wanted to communicate via email. However, each one of them (except me) said they preferred to communicate by phone.

That’s just one example of an insurance agent making the experience about themselves and not about Mr. H and his needs. But, why is the phone so important to many agents? Because that’s where they can work the pressure tactics into the conversation.

Conclusion

So it seems like I’ve eliminated any option for buying a Medigap plan. Well, I wouldn’t leave you without a solution.

If you don’t want to push the enroll now button, apply directly with the insurer, or deal with high pressure tactics then you can choose compassion, understanding, and patience. I know that’s seems odd. But, there are plenty of insurance professionals, like myself, who have those qualities.

The bottom line is you need to be comfortable making decisions about your Medigap benefits. Don’t limit your choices with one insurance company or let anyone pressure you into buying Medigap. You can do this! Just be diligent and use my tips on how to avoid Medigap buying mistakes.

About REMEDIGAP

We’re dedicated to help you throughout the entire Medicare Supplement process – from education, applying, and ongoing service. You may have many questions or none at all.  Either way, we’ll customize our approach based on your needs. We make sure you’re getting the best value with your Medigap plan from year to year.

Just give us a call at 888-411-1329 or simply click on our quote form for free Medigap quotes.  It’s an easy way to see just what we can do for you!

Thank you for reading our article 3 Costly Medigap Buying Mistakes. We’d love to hear your thoughts. Leave your comments below or email us your questions at [email protected]

Additional Resources:

Who Sells the Best Medigap Plans?

When to Sign Up for Medicare Benefits

The Difference between Plan F and Plan G

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

Share on facebook
Facebook
Share on google
Google+
Share on twitter
Twitter
Share on linkedin
LinkedIn

Leave a Comment

Your email address will not be published. Required fields are marked *