Go Company Direct

Ohio Tidbits
Done your Homework? Looking to skip the waiting room or 'On Hold' music? Want to Directly Initiate Yourself? Some companies allow consumers to directly enroll in Medicare and supplemental Medigap plans online. Although I love to help, I am committed to giving you access to this simplified process and continue to add companies to this list as their technology allows. Like all Standardized Medigap plans in Ohio, any of the companies below give you access to ALL Dr.'s and hospitals that Medicare accepts. Services are available at your local primary doctor or facility, or even top University Hospitals, Cleveland Clinic, and other prestigious facilities across the nation. Choose Company below to Quote and Enroll Direct ANTHEM MEDICAL MUTUAL OMAHA    
Read More

More cuts to Medicare Advantage Ohio?

Ohio Tidbits
Your Medicare company plan dropping off network? I have heard this quite a bit lately from many clients here in Ohio. As I try diligently to keep up with this ever changing landscape of the Medicare / insurance industry, it became apparent to me that the average American does not have the time to keep up with all the changes taking place. I have warned in several previous blog posts regarding cuts to Medicare Advantage that Ohioans will see in the coming years. Here are some cliff notes of a recent Reuters article highlighting cuts on Medicare payments to insurers: Cuts in Medicare Advantage plans will mean fewer Doctors and networks accepting these plans along with higher out-of-pocket costs to the consumer. The proposed cuts were originally 6-7%, however, it appears that they will now…
Read More

Medicare Part B: when and how do I sign up?

Ohio Tidbits
Your initial enrollment period for Ohio Medicare is three months before, the month of, and the three months after your 65th birthday. Almost everyone in Ohio aging into Medicare at 65 should enroll in Part A as soon as possible. It costs you nothing, i.e. no premium! (If you don't have enough Social Security credits to qualify for premium-free Part A, you should defer enrollment until you quit working.) Consumer Reports recently put out a great article that I wanted to share with you below: When to sign up for Part B If you don't sign up for Part B when you should, you will be hit with a harsh penalty: a permanent increase in your premium of 10 percent for every year that you should have been enrolled but weren't.…
Read More

Mission Ohio Medigap

Ohio Tidbits
With all the information available today, it is very difficult to decipher how to find the best medicare supplement in Ohio...or anywhere in the country for that matter. No matter what your opinion of the changes of our healthcare system, we cannot deny the fact that it has led to a confused nation. These changes have led insurance brokers like myself scrambling to get the most up to date information available. My studies have found that these 'rule changes' are much more about protection of Big government and Big business than they are a Big percentage of the U.S. population...our Boomers and Seniors. As such, I humbly recommend that my loyal Ohio customers stay on Original Medicare -it appears to have remained intact- as long as possible. The purchase of…
Read More
Obamacare Will Close the Medicare “Donut Hole”

Obamacare Will Close the Medicare “Donut Hole”

Ohio Tidbits
Some Medicare Part D drug plans have a coverage gap many refer to as the “donut hole.”  It’s more like a scary, black hole, causing so many seniors much financial distress. "Thanks to the Affordable Care Act, which had a rocky launch last week,  Ohio Medicare beneficiaries will see that gap shrink again in 2014 and in each year until 2020, according to Medicare.gov."The Wall Street Journal reported. What exactly is the donut hole? First, understand that not all Part D beneficiaries even reach the donut hole. It starts when beneficiaries & their drug plan have spent the set amount for prescription drugs for the year. When that amount is met they are in the donut hole. During this time all drug costs are paid out-of-pocket until the set out-of pocket limit…
Read More
Medicare & the Affordable Care Act

Medicare & the Affordable Care Act

Ohio Tidbits
Here in Ohio and throughout this nation so many people have questions regarding the Affordable Care Act (ACA), also known as “Obamacare.” For those of you on Medicare, we hope this information may answer a few of those questions. Medicare isn't a part of the Health Insurance Marketplace. No matter if you have Medicare Advantage or Original Medicare with or without Medigap Insurance, you will still have the same benefits you have now. You do not have to do anything in the Marketplace during Open Enrollment. Because of the ACA, you will now receive more preventative services for less. You will not be charged the Part B coinsurance or deductible for certain preventative services, such as mammograms or colonoscopies. You will also receive a FREE yearly “Wellness” visit. The ACA…
Read More

Ohio Medicare Supplement Quotes

Ohio Tidbits
 I am a different Ohio Medicare insurance agent! If you want to find the best Ohio Medigap plan for your family, then you have come to the right place. Unlike other sites, when you enter your information for Medicare Supplement quotes, I will respect your privacy! I realize that your decision in choosing a Medicare insurance plan is extremely important. With all of the changes occurring in the Medicare marketplace, you need time to make your comparisons. By representing all of the top Ohio Medicare supplement companies, we can provide you with side-by-side comparisons so that that you can make an informed decision. I will not share your email address or phone number with any other insurance agent and I will not hound you!
Read More

Consider this re: Ohio Medicare Advantage

Ohio Tidbits
As the Affordable Care Act "progresses", we can expect many changes and reductions of benefits relating to Medicare Advantage plans in Ohio and around the country. Currently the PPACA has no foreseen negative effects on Original Medicare or Medigap/Supplement plans. For this reason, I recommend comparing apples to oranges before deciding on a plan this Medicare season. A High-Deductible Medigap Plan F is often misunderstood. Many people think it combines the deductible with Medicare. This is not true. The deductible is only applied to the Medicare Supplement portion - Medicare pays the same regardless of which Medicare Supplement a person has. For many seniors, a premium of $0 for Medicare Advantage plans can be very enticing. In many cases with an MA plan, if you goes to a Primary Physician,…
Read More

Medigap changes 2014 ATTENTION Ohio seniors

Ohio Tidbits
Obamacare and your Medicare supplement... Oddly enough, Obamacare appears to have little to no affect on Medigap policies nationwide. In fact, Medicare Supplements are not discussed in the ACA - Affordable Care Act. There were a few changes to Medigap plans in June, 2010 but that was not connected to the PPACA enacted 3 mo's earlier.  At that time Plan J was replaced with two new plans, M and N. With that said, Part B of original Medicare, no matter how great it is, is not the same as most private health insurance plans.  People who are new to Medicare can often be surprised.  They are familiar with insurance plans that have a Maximum Out-of-Pocket.  Once they pay that amount, they do not have to pay anything else for the…
Read More

Study finds more Seniors Choosing Medigap Plans

Ohio Tidbits
More People are Choosing Medigap Plans, New Study Finds A new report released today shows that Medigap coverage is a vital lifeline to more than 10 million Medicare beneficiaries.  The study, by America’s Health Insurance Plans (AHIP), is an update to prior research showing trends in Medigap enrollment and coverage. The new report, “Trends in Medigap Coverage and Enrollment, 2012,” finds that enrollment in Medigap plans increased by 300,000, from 9.9 million in December 2011 to 10.2 million in December 2012. Consistent with recent years, beneficiaries are increasingly choosing to enroll in Medigap plans that include at least some cost-sharing provisions, such as co-pays and coinsurance. Medigap Provides Financial Protection and Peace of Mind to Medicare Beneficiaries Medigap helps cover significant out-of-pocket costs that are not covered by Medicare and allows seniors…
Read More

2013 Medicare Costs

Ohio Tidbits
With the new year, 2013 also brought increases in Medicare costs.  These changes affect all that are on Medicare.  Medicare Hospital Coverage also known as Part A, covers in patient hospital stays, care in a skilled nursing facility, hospice care and some home health care. Part A had the following increases: Monthly Premium: Medicare Part A is free unless you are among the 1% that have to pay a monthly premium. To receive Part A benefits at no cost you need to have paid Medicare payroll taxes for 40 quarters of employment or be married to someone who did. If you are part of the 1%, you will be happy to know that the monthly premium has decreased from $451 to $441. Medicare Part A Deductible*:Increased $28 from $1156 to $1184.…
Read More

Ohio Medigap

Ohio Tidbits
Life has so many unexpected turns, we must always be ready! A medical insurance is an important thing to be considered in managing risks and unexpected events in life. Anyone can be subject to illness at the most unexpected and inconvenient time, the least we can do is to be prepared. People who seek medical treatment in hospitals spend tremendous cost of money and before they know it, they have already exhausted all their savings or their retirement fund over those fees. It is relatively hard to raise a large amount of money for surgery, laboratory tests, hospitalizations, medical equipment, medicine, etc. Investing in Medicare plans then, is a very good financial investment. Are you a senior living in Ohio? Do you want to brace yourself for the possible medical…
Read More

Ohio Medigap rate increases

Ohio Tidbits
Information Update from Ohio’s Medigap Connection. Get your Medicare information from a trusted source – Us, the Ohio Department of Aging, and/or Medicare.gov. You have found updated information as of 1/25/2013 What’s up with this Ohio Medigap rate increase? Questions about these Medicare supplement rate hikes are common. Because we were getting lots of phone calls on the subject, we decided to tell the whole state by the power of the internet. The fact is, most (if not ALL) Medicare Supplement plans in Ohio will give rate increases each year. Most insurance companies rate their policies by attained age status, meaning that their plans can go up each year with your age. Below are answers to frequently asked questions about recent Ohio Medicare supplement rate increases: Why has my Medicare…
Read More

With the Autumn Leaves Comes Medicare Time Here in Ohio….

Ohio Tidbits
Now thru December 7 is the "Open Enrollment Period" for Ohio's seniors to take advantage of the money saving benefits a Medicare health and drug plan can provide them!  This is a crucial time to closely evaluate your current plan and make any necessary changes. During Open Enrollment you can: Switch from Original Medicare (Medicare Parts A and B) to a Medicare Advantage (Medicare Part C) plan. Switch from a Medicare Advantage plan back to Original Medicare. Switch from one Medicare Advantage plan to another (possibly from a plan without Part D prescription drug coverage to one that has it, or vice-versa) Make changes to your Medicare Part D prescription drug plan: Join a Part D plan. Switch from one Part D plan to another one. Drop your Part D plan altogether.…
Read More

Medicare Part B – How to sign up?

Ohio Tidbits
By now, you should have a decent understanding of Medicare... When you become 65 years old, you will be eligible for benefits from the government known as Medicare.  These benefits can serve as either primary coverage or secondary coverage if you have private insurance. If you apply for Social Security, you will automatically be enrolled in Medicare. However, if you are still working at age 65 and beyond, you will need to enroll. There is a specific time frame for enrollment and several choices for the type of coverage you would like. Part B Medicare covers doctor's visits and outpatient care, as well as preventive care. There are two types of coverage: Original, which is overseen by the federal government, and Advantage Plans, which are run by private insurance companies and are typically HMOs or…
Read More

Ohio VA Health Care Enrollment

Ohio Tidbits
Free Health Care from the Dept. of Veterans Affairs counts as creditable coverage for prescription plans / Medicare Part D!    Check out http://www.va.gov/healthbenefits/access/ today - There are many advantages to applying now. While signing up for VA benefits is free, you have the combined option - freedom, flexibility and choice of doctors with Original Medicare and Medicare Supplement from one of these great companies.
Read More

Getting Started with Medicare

Ohio Tidbits
A Consumer Reports Guide - Click Here for the full report Here's what you need to know. What's covered by parts A, B, and D Medicare comes in three parts: Part A covers hospital inpatient care, some types of home health care, hospice care, and care in skilled nursing facilities. There is no premium for Part A if you or your spouse has earned at least 40 Social Security work credits. Part B covers doctor services, outpatient hospital care, preventive care, and some types of home health care. You have to pay a monthly premium for Part B. In 2011, it's $115 for individuals with an income of less than $85,000 a year and couples with an income of less than $170,000. Higher-earning beneficiaries pay more on a sliding scale…
Read More

Medicare part B “excess charges” and Plans F & G

Ohio Tidbits
Medicare supplement plan F looks to be the best plan because although it is primarily the most expensive, it covers everything. It pays your part B deductible and part B "excess charges".  But what are "excess charges" or "billing balances"? They are the amounts that a doctor charges in excess of what medicare pays. Doctors who accept Medicare patients also must decide whether they will accept the payments which Medicare approves, an agreement known as accepting assignment. In most states if a health care provider does not accept medicare assignment, they are allowed to charge the patient "excess charges" -a maximum of 15%  of what medicare pays for the service. The patient will be responsible for the balance unless they have supplement plans F or G. These two plans pay 100%…
Read More

Saving on Ohio Medicare Supplements

Ohio Tidbits
When Ohio seniors find our website, they are often shocked to receive quotes from so many Medigap / Supplement insurance companies. Sometimes their savings can be so much that they feel it is almost too good to be true! Healthcare, especially senior healthcare has gotten almost too far "out-of-hand". Many Ohio insurance companies are raising rates on an annual basis and a large percentage of Ohio Medicare beneficiaries do not know they even have options. Here at PledgePoint - Ohio's Medigap Connection, we urge visitors and clients alike to use the power of the internet to educate themselves before making any major decision. Because of this, our website is quickly becoming very popular with our aging boomer population in Ohio. As many of our clients are turning 65, they are…
Read More

Explaining What’s New in Medicare 2011

Ohio Tidbits
Ohio seniors on Medicare anticipate new benefits and changes due to the Affordable Care Act: First of all, Original Medicare will cover the cost of one wellness visit with your doctor per year. A yearly check-up will include routine measurements like your blood pressure, a review of your prescriptions and medical history, and an assessment of any risks to your physical and mental health. Until now, Ohio Medicare recipients only received a one-time preventive exam, the “Welcome to Medicare” exam during the first year you sign up for Medicare Part B coverage. If you’re enrolled in a private Ohio Medicare Advantage health plan, check with your insurer about whether your wellness visit will be covered at no cost in 2011. Your Ohio Medicare premiums will most likely change. Most people…
Read More

Online Medicare Supplements Ohio

Ohio Tidbits
So here is a little Medicare advice every Ohio baby boomer should adhere to: Don’t wait until the last minute to plan or enroll. You have the option to change your drug coverage each year, and some plan types allow you to enroll at any time. But it can cost you money if you wait too long or make a bad choice. Here are five tips for Ohio Medicare newcomers. 1. Learn the Medicare basics Ohio. There are  two basic ways to cover yourself: Original Medicare (Part A and Part B) or a Medicare Advantage plan. If you choose Original Medicare in Ohio, you will likely need a separate prescription drug benefit (Medicare Part D). You may also want a Medicare Supplement (or Medigap) plan to fill in some gaps in Original…
Read More

Ohio Medicare Plan F Details

Ohio Tidbits
Plan F in Ohio, and many other states, is currently the most popular Medicare plan available. I imagine that it will continue its popularity due to its extensive coverage and affordability. It is important to know these coverage details to determine which Ohio Medicare supplement is best for you. Medicare Part B Excess Charges Plans F and G are the only two Medicare supplements currently covering Part B excess.  If you incurred a Part B excess charge of 15% on a significant medical claim and you did not have Plan F or G, then you would be responsible for significant out of pocket expenses.  For example, if you had a $100,000 Part B medical claim, the 15% excess charge would be a $15,000 out of pocket charge to you. While excess charges are currently a rare occurrence,  it is our…
Read More

Help Choosing My Ohio Medicare Supplement Plan

Ohio Tidbits
Every Buckeye over 65 is entitled to Medicare Part A. Medicare Plan F is the most commonly selected Medigap plan available and covers other costs associated with regular health care like outpatient services, doctor visits, labs and x-rays. Almost all Medicare benefit recipients select Medicare Plan F as part of their insurance package. As I have wrote about in the past, that decision is not always the most financially appropriate. I like to refer to a Plan F in Ohio as more of a peace of mind choice.      Medicare Parts A and B are supplied by the government but even with the standard coverage they provide, there are additional medical expenses which may not be covered. This requires many Ohio seniors to buy a Medicare supplemental insurance plan to…
Read More

High-income Ohioans pay higher premiums for Medicare Part D

Ohio Tidbits
 As of Jan. 1, 2011, Ohio Medicare beneficiaries considered high-income earners are paying more money for their Part D Medicare prescription drug coverage. The government is deducting additional premium amounts from the beneficiary’s Social Security benefit payments. The increase will not impact the rates charged by their health insurance company. Individuals with an income of $85,000 or above, or married couples filing jointly with an income of $170,000 or above, must pay an extra premium amount for Part D coverage. This extra premium amount is called the income-related monthly adjustment amount (IRMAA). This amount is based on modified adjusted gross income as reported on the beneficiary’s most recent IRS tax return. CMS recently provided the following tables showing the Part D premium adjustment amount based on income threshold. If the beneficiary is single and filed…
Read More

Ohio Prescription Drug Donut Hole 2011

Ohio Tidbits
PART D CHOICES This is an excerpt taken from the Center for Medicare Advocacy: ...with Medicare Part D – some of us find that our current prescription drug plan isn't such a good fit these days. That's because plans change every year. Premiums and deductibles may change, and, worst of all, beneficiaries may find drugs they need taken off their plans' formularies or made subject to new prior authorization rules and other restrictions. It is a necessity that beneficiaries and their helpers compare different plans before the Part D Annual Election Period from November 15 – December 31. CMS also projects that for 2011, 1.2 million beneficiaries will have to change plans as a result of plans leaving the market or reducing their service area. The vast majority of people…
Read More

Nearby Ohio City Medicare Supplement Assistance

Ohio Tidbits
  Customer demand for top speed Medigap rates, required us to increase bandwidth in these zipcodes: Hamilton, Ohio 45011 Elyria, Ohio 44035 Medina, Ohio 44256 Mentor, Ohio 44060 Newark, Ohio 43055 Lancaster, Ohio 43130 Grove City, Ohio 43123 Chillicothe, Ohio 45601 Hilliard, Ohio 43026 Westerville, Ohio 43081 Gates Mills, Ohio 44040 Chagrin Falls, Ohio 44022 Terrace Park, Ohio 45174 Dublin, Ohio 43017 Cincinnati, Ohio 45243 New Albany, Ohio 43054 Solon, Ohio 44139 Hudson, Ohio 44236 Novelty, Ohio 44072 Westerville, Ohio 4308 If you live near any one of these Ohio towns, Ohio's Medigap Connection can help: Ada, Akron, Alliance, Amherst, Archbold, Ashland, Ashtabula, Athens, Avon Lake Bay Village, Beachwood, Bedford, Bellefontaine,Bellevue, Berea, Bluffton, Bowling Green, Brecksville, Bryan, Bucyrus, Canton, Catawba, Celina, Chillicothe, Cincinnati, Circleville, Cleveland, Columbus, Coshocton, CuyahogaFalls, Defiance, Delaware, Delta, Dublin, Eaton, Fayette, Findlay,Fremont, Galena, Genoa, Grand Rapids, Green, Greenville, Hicksville,Holland,Huron, Independence,Ironton,Kalida,Kenton,Kings Mills,Lebanon,Lewis Center,Liberty Center,Lima,Mansfield,Marysville,Massillon,Medina,Miamisburg,Middle Bass,New Bremen,Norwalk,Ottawa,Paulding,Pemberville,Pettisville,Pickerington,Piqua,Port Clinton,Put In Bay,Ravenna,Saint Marys,Sandusky,Sidney,Swanton,Sylvania,Tiffin,Tipp City,Tippecanoe,Toledo,Troy,Twinsburg,Upper Sandusky,Van Wert,Wapakoneta, Washington Court House,Waterville,Wauseon,Westerville,Westfield Center,Westlake,Whitehouse,Wilmington,Wooster,Xenia,Yellow Springs,Youngstown,Zanesville  
Read More

How to choose an Ohio Medigap Company

Ohio Tidbits
As you may already know ... When it comes to Ohio Medicare supplemental insurance there are no real differences in offerings between companies for like plans. A particular plan letter from one company works identically to that same plan letter from any other Medicare supplemental insurance company. As an example, a standard plan F from let’s say Blue Cross Blue Shield works identically to a standard plan F from AARP (United Healthcare) or one of the Mutual of Omaha companies. Other than there not being any difference in benefits from like plans (example plan F from AARP vs. plan F from United of Omaha) you will also see no difference in: 1) Doctors Networks - One of the really nice things about Medicare supplements is there are not different doctors…
Read More

Crazy differences in Ohio Medicare Supplement prices

Ohio Tidbits
Ohio Medicare supplemental insurance benefits are mandated at the same coverage since 1992. As I have blogged before for example, a Plan F provides the same benefits for senior Ohioans no matter which company underwrites the policy. Ohio Medigap companies, however, can design their own prices and the premiums can be VERY different. Ohio Medigap Plan Benefits and Company offerings Summary of Basic Ohio Medigap Insurance Plans and Companies that sell them: (brought to you by State of Ohio Consumer Education Series) Click Here As of June 2010 Medicare company reporting, the state of Ohio's average cost of a Plan F Medigap policy for a 65-year-old ranged from $1,164 to $4,848 per year according to the above publication - An Ohio consumers guide to Medicare Supplements, Medicare Options, and Part…
Read More

When Can I Switch Ohio Medicare Supplement Insurance?

Ohio Tidbits
Many Ohio based Medigap insurance companies have price increases of ten percent or more every year! There are several ways to reduce your monthly premiums. As long as you are relatively healthy, Ohioans can change Medicare supplements anytime they want. In Ohio, there is no open enrollment period once you are already a Medicare beneficiary. If your premiums have increased dramatically, then you simply contact an independent Medigap focused agency (like us) to help you find a new carrier offering the exact same coverage at a lower rate. Regarding your health: In some cases, a certain amount of time must have elapsed since a particular health event occurred before you can be underwritten. In our experience, most consumers can be underwritten for a new plan as these questions and time limits…
Read More

Connecting Ohio’s Seniors to the best Medicare Supplemental Co’s

Ohio Tidbits
Ohio residents can use our provided tools to get answers about Ohio Medigap plans and other Ohio Medicare insurance programs. This site includes a wealth of information that can be used by anyone to answer some of the harder questions and the easy ones as well! We have compiled facts, news, links, and more to help Ohio Medicare Supplement shoppers to make the most educated decision possible. As an Ohio resident, you can also call OSHIIP (The Ohio Senior Insurance Information Program), a state and federally funded program that educates, counsels and advocates for Medicare beneficiaries at 1-800-686-1578. If you are just beginning your search, you should ask questions like: Where can I find a comprehensive source of information on Medicare options in Ohio or a consumer guides?  What is an Ohio…
Read More

Cheapest Part D Medicare In Ohio – Walmart Prescription For Savings!

Ohio Tidbits
Medicare Part D plan can save typical enrollees an average of more than $450 in 2011, companies say Walmart is shaking up the Medicare drug marketplace again. They shocked the competition in September of 2006 with the announcement they were making generic drugs available for $4 per prescription. This time, as the cost soars for the most popular Medicare drug plans, the discounter is joining with Humana to introduce a national Medicare drug plan with a very low monthly premium of just $14.80 plus low copays and cost-shares. Humana Inc. on October 1, 2010 announced the innovative Medicare Part D prescription drug plan, co-branded with Wal-Mart Stores, Inc. ("Walmart"), that it says “can provide significant savings on monthly plan premiums and prescription medicine copayments and cost-shares for Medicare beneficiaries, including…
Read More

Ohio Medicare beneficiaries and healthcare reform?

Ohio Tidbits
Ohio seniors, Medicare and Healthcare Reform. How does it affect you?  I have been reading all I can get my hands on relative to the impact of this bill to our clients and have found four basic problems: 1. Almost everything that I read is biased by someone trying to push something. There are cases where one could argue there is no bias but in those cases, the information tends to be so shallow that it is of little use. 2. This is a very big bill - 400,000 words long. I do not believe that any human being is capable of processing all of that information in any comprehensive sense. 3. Because the HealthCare Reform bill has very little direct impact on Medicare, we are forced to speculate on the…
Read More

2011 Ohio Open Enrollment Period Breakdown

Ohio Tidbits
When Can You Sign Up?   Most people find it difficult to keep up with all of the different "Enrollment Periods" in Ohio. First, Ohio Medicare Enrollment is based on age, aka INITIAL ENROLLMENT PERIOD: Ohioans can sign up when first eligible for Part B. (i.e., if you’re eligible for Part B when you turn 65, this is a 7-month period that begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65.) Sign up early to avoid a delay in getting coverage for Part B services. To get Part B coverage the month you turn 65, you must sign up during the first three months before the month you turn 65. If you wait until the last four…
Read More
Open Enrollment @ 65?

Open Enrollment @ 65?

frontpage-post
Are You Turning 65? The best time to purchase a Medigap policy, also known as a Medicare Supplement policy, is during your "open enrollment period". Don't get your open enrollment period confused with the Medicare's annual open enrollment period -- Oct. 15 thru Dec. 7.  Federal law gives you a 6-month open enrollment period to apply for a Medigap insurance policy, beginning with the first month that you enroll for benefits under Medicare Part B. Note: You can send in your application for a Medigap policy before your Medigap open enrollment period starts. This may be important if you currently have coverage that will end when you turn age 65 and will allow you to have continuous coverage. The below information will help you understand your rights during Open Enrollment. During your…
Read More
Replacing Coverage?

Replacing Coverage?

frontpage-post
By law, the benefits of each Ohio Medigap Plan A - N are the same for every insurance company. Because Medicare Supplements are Federally Standardized, it will be in your best interest to continuously (annually or at least biennially) shop for the most competitive premiums as long as your health allows. We have found that many Medicare supplement insurance agents in Ohio will sell a Medicare supplement to a client and not check back with them to re-evaluate options. Switching to another company is a pretty easy process and the application typically only takes about 10 minutes to complete and generally can be handled over the phone. There's nothing to lose by switching if you can save money and get the same benefits you had before. Medicare Advantage Disenrollment -…
Read More