• 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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Can you have VA Benefits and Medicare Supplement Insurance?

Can you have VA Benefits and Medicare Supplement Insurance?

That’s a great question and a personal one that can only be answered by you. There are many people who along with Original Medicare have health benefits through Veterans Affairs.  Some use VA benefits as to avoid the gaps in Medicare and the costs they would incur.  On the flip side, there are also many Veterans who recognize that those gaps can be covered through Medicare Supplement insurance.

The good news is you can choose to have both VA benefits and Medicare Supplement insurance.  Here are some interesting points:

  • VA cannot bill Original Medicare, but can bill Medicare Supplement insurance for a covered service.
  • For Medicare coverage, you must receive care at a Medicare approved facility.
  • For VA coverage, you must generally receive health care services at a VA facility.

Quite simply, Medicare and VA are separate entities. VA facilities are not Medicare approved providers.  Beneficiaries usually use their VA benefits when they need help with health care items not approved by Medicare (hearing aids, over-the-counter medications).

Medicare Supplement (Medigap) insurance pays after Medicare pays.  There are many types of Medigap Plans; but, they all help to pay for medical expenses not covered by Original Medicare…such as coinsurance and deductibles.

If you have Medicare Part A and B (Original Medicare), you may want to consider supplementing with a Medigap Plan and not relying exclusively on VA benefits or Original Medicare.  One reason is location.

If you travel, you will always need to know where the nearest VA facility is located…there is no guarantee there will be one near you.  If you use your Original Medicare, you’ll be subjected to the bills Medicare doesn’t pay.

Adding Medicare Supplement insurance to your health care portfolio will make traveling easier.

One of our dear family members is 70 years young.  He served in the Navy and receives VA benefits.  He visits the VA often…mainly for prescriptions drugs and hearing aids.  

But his Florida Medicare Supplement plan has been invaluable for many years.  Most recently he needed to see a dermatologist the day he was leaving for a cruise.

We were able to find him a Medicare approved doctor and get him an appointment that morning.  The doctor billed Medicare and the Medicare Supplement Plan J paid the remainder of Medicare approved charges.

Another Veteran, Mr. M, is a client who has a Medigap Plan F in Kansas.  He lives 200 miles from the nearest VA facility.  

He takes a full day to drive to the VA center, have the appointment and drive home.  In certain situations, Mr. M doesn’t mind making the trip if it’s for an item that Medicare doesn’t cover.

However, Mr. M likes having peace of mind about his healthcare coverage.  With his Medicare Supplement insurance, he’s able to stay in town and visit any Medicare approved doctor, hospital, or specialist he desires.  

Perhaps you have a conveniently located VA hospital, but it’s quality of care is not the highest compared to other hospitals in your area.  Medicare is a back up option, but it still has gaps in coverage.

Medicare Supplement insurance is designed to fill those gaps.  It provides peace of mind knowing that your medical needs are being attended to and your bills are being paid by the insurance company.

In a recent phone conversation with a gentleman in South Carolina, he shared with me how he was given a different primary doctor at the VA facility where he’s been going for years.  

His other physician was still there; someone just decided to change his doctor.  He was not thrilled with the idea that someone else made this decision for him.

He wanted some information on a Medicare Supplement plan so he could have more control over his health care and choose which Medicare doctor he wanted to see.

In conclusion, you can choose to have Medicare Supplement insurance with your VA benefits.  The ability to use your benefits with Veterans Affairs can sometimes be limited based on location, quality of care and appointment availability.

Often times, Medicare Beneficiaries will opt to purchase Medicare Supplement (Medigap) insurance to help fill in the gaps that Original Medicare doesn’t pay. This helps broaden their ability to have more control over their own health care needs.

Medigap plans come with a monthly premium that you pay to the insurance company.  

As a Medicare recipient, you are entitled to find a lower premium for the same Medigap Plan at anytime throughout the year.  

This is often best done through an independent insurance agent who has access to multiple insurance companies and their rates.

Please call me (1-888-411-1329) if you have any questions about your VA benefits and Medicare Supplement.

I look forward to speaking with you.

 

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

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