• 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

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Is Medigap the Best Medicare Supplemental Insurance?

 

Is Medigap the Best Medicare Supplemental Insurance?

 

There are decisions that have to be made about your healthcare. Which can lead to the question, is Medigap the best Medicare Supplemental insurance? This article will help you determine if Medigap is a good choice.

Let’s take a look at the Medicare insurance options available.

  1. Original Medicare
  2. Medicare Advantage Plan
  3. Medigap (Medicare Supplement)

 

Original Medicare

When you have original Medicare Part A and Part B, your Medicare approved costs are covered up to about 80 percent. You are responsible for the remaining 20 percent.

Original Medicare includes the following:

In 2015, the Part A hospital deductible increases to $1,260. If you are admitted into the hospital, you pay the Part A deductible per benefit period. The Part B annual deductible remains the same at $147. If you seek Part B Medicare services, you pay the deductible and the remaining co-pays, co-insurance not paid by Medicare.

Is Original Medicare Part A and Part B the best option for you?  For the majority of people, the answer is probably ‘no’. Healthy seniors find Original Medicare to work well. However, other people have had different and quite expensive experiences.

A client asked me to speak with her friend who fell ill. Her medical bills were piling up. Prior to her diagnosis, doctor visits were less than $10. The low out of pocket costs gave her a false sense of security. Her illness requires specialist care, surgery and follow-up treatments. Sadly, she does not qualify for a Medigap plan.

 

Medicare Advantage Plans

disadvantages of Medicare Advantage

Medicare Advantage combines the following into Part C:

  • Part A (Hospital Insurance)
  • Part B (Medical Insurance)
  • and usually Part D (Drug Insurance)

Medicare Advantage comes in the form of an HMO or PPO. You are required to use the plan’s network of doctors and hospitals. If you go out of network, you will have higher out of pocket costs. When you have a Medicare Advantage plan you cannot use Original Medicare or buy a Medigap policy.

Many people enjoy the low premium associated with a Medicare Advantage plan. However, that low premium also means fewer benefits. Let’s face it, you’re not going to get something for nothing.

You may pay little now, but a Medicare Advantage plan can make you pay a lot later.

Medicare Advantage Cons:

  • It can be difficult to find covered medical care if you travel out of your area.
  • Receiving emergency or urgent care can also be difficult due to networks and rules.
  • You must follow the rules established by the plan in order to be properly covered.
  • The networks can change at any time and your continuity of care can be interrupted.
  • Maximum Out of Pocket expenses reset at the beginning of each calendar year.
  • Plans can be financially unstable leaving your medical coverage vulnerable.

Personally, I can speak about the financial unstableness of Medicare Advantage plans. My mother signed up for a Medicare Advantage plan when she retired. At the time, she didn’t want to spend money on a Medigap premium.

I gave her all the reasons she shouldn’t choose Medicare Advantage. But just like kids, parents have minds of their own too. She went ahead with her decision. A year later the Medicare Advantage plan went bankrupt.

What did this mean for my mom and thousands of other policyholders? It meant they were forced back to Original Medicare without any additional coverage for at least 30 days.

It didn’t take much to convince her to buy a Medigap plan. But she was still left vulnerable until her Medigap policy became effective. It was a very stressful time for her and many other seniors.

Needless to say, she was relieved to get out of the Medicare Advantage nightmare. Medigap is serving her well and she loves the freedom and peace of mind her plan provides. She now gets to visit her dermatologist who wasn’t available in the Medicare Advantage HMO network.

 

Medigap Plans

 

advantages of Medicare supplements

A Medigap plan is health insurance designed to fill the “gaps” of Medicare covered services not paid by Original Medicare. Medigap is also called Medicare Supplement insurance.

The Pros to having a Medigap Plan:

  • Your choice of Medicare doctors anywhere in the USA!
  • Your choice of Medicare hospitals anywhere in the USA!
  • No networks
  • No referrals needed. You have control over your healthcare!
  • Comprehensive Medical Coverage
  • Low to $0 out of pocket expenses
  • Helps pay your share of co-insurance, co-pays, deductibles

 

The Cons

  • Premiums
  • No dental, vision or hearing coverage outside of Medicare approved items

All Medigap plans have premiums. Each insurance company has their own set of rates. Most insurance carriers raise rates once a year. The great news is that CMS standardizes Medigap Plans. This means you get the same exact benefits regardless of which insurance company you buy from. The only difference is how much you pay.

“In this world, you get what you pay for.”

 

If you pay for comprehensive Medicare insurance, you’ll get comprehensive Medicare coverage. That doesn’t mean you have to buy the most expensive Medigap plan. There are plenty of choices and rates available.

So… is Medigap the best Medicare Supplemental insurance?

It’s a personal decision. But based on facts alone, the answer is ‘yes’. Original Medicare and Medicare Advantage limit your health care benefits and can leave you financially vulnerable. The right Medigap plan has very little financial risk.

 

About REMEDIGAP

REMEDIGAP concentrates on providing personal service from the very beginning. We don’t like hassling phone calls or high pressure tactics used on us, so we definitely don’t use them in our business.

We’re dedicated to helping you through the entire process at your speed. Each client has their own needs and we’ll customize our approach for you.

In the end, our goal is to always provide you with exceptional service and let you make your own decisions.

At REMEDIGAP, we don’t charge a fee. If you ever come across an insurance agent who does, you should look elsewhere. Insurance agents are compensated by the insurance carriers not by our clients.

Why wait? Contact us today through one of the many choices below.

  • Call 888-411-1329
  • Fill out our quote form
  • Chat with us online
  • Leave a comment below

 

 

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

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