MWG Direct Blog

My grandmother called last week asking me to help loo up better rates for her Medicare supplement insurance. This is a typical tradition that we follow every few years when her Medigap rates have increased.by 20% of what they were when we first signed her up for the Medigap policy. Some times seniors can view this as rate increase island which happens most of the time in attained age Medicare supplement states. So how do you fight against these rate increases?

A Tennessee Medicare Supplement has lower rates than most states across the country. These policies also have state requirements that make Medicare Supplement companies offer lower rates to tobacco users during certain time periods, which we will cover a little further down in the article. A 65 year old female receiving a Tennessee Medigap Quote could expect a Plan F rate of approximately $100 a month for the most comprehensive coverage offered. This is very low especially when you see Connecticut rates at around $250 for a 65 year old female.

Medicare Part B is the medical insurance portion of Medicare. It covers your doctor visits, outpatient procedures, durable medical equipment, and other things dealing with the "non-hospital" procedures. Medicare Part A and Medicare Part B make up what is known as Original Medicare. Original Medicare took effect in 1965 and has been providing seniors with health insurance ever since.

Mississippi Medicare Supplement Insurance provides those on Medicare with a peace of mind knowing that the gaps in Original Medicare will not leave heaps of medical bills left for them to pay. Medicare Supplements fill the gaps in original Medicare and allow a policy holder the option to choose any doctor in the country that accepts Medicare. In other words, they are not constrained to a specific doctor or group of doctors.

The Medicare Supplement Plan G is becoming one of the top Medigap plans available. The only difference between the Plan G Medicare Supplement and a Medicare Supplement Plan F is that the coverage of the Part B Deductible. The Plan G does not cover this $147 deductible in 2013. Remember that the Part B deductible is for your Medical services such as doctor, outpatient facility, durable medical equipment, etc.

When comparing Medicare Supplements people assume the Medigap Plan F is the best plan because it provides the most comprehensive coverage. To a lot of people this would qualify a Medicare Supplement Plan F as the king of Medicare Plans. In this article today Medicare Insurance Finders will provide you with several facts to consider when comparing Medicare Supplements so that you can make the best decision.

Medicare Part A is the "hospital insurance" portion of Medicare. Most seniors over the age of 65 will receive this coverage for free if they have worked 40 quarters or ten years in which taxes were paid. Medicare Part A and Medicare Part B make up Original Medicare which is a common term in the Medicare and You Booklet and the Choosing a Medigap Booklet, both published by the Centers of Medicare and Medicaid Services.

Florida Medicare Supplements provide outstanding coverage to seniors over the age of 65 and provide them with a peace of mind knowing that their coverage will pick up the gaps in Original Medicare. Florida has different laws pertaining to their Medicare Supplements which help regulate how those products are offered to consumers in the state of Florida. In this article we will cover some of the pros and cons of Florida Medicare Supplements.

Connecticut Medicare Supplements are different than most Medicare Supplement Plans across the country, not that their benefits are different but the state laws tend to make the Medigap prices a little higher than most states. In this article, we will cover an alternative option to a standardized Connecticut Medicare Supplement that can save you thousands of dollars a year.

Texas Medicare Supplements are standardized to match the rest of the country's Medicare Supplement plan design. Texas does have some different laws regulating these plans but it does not have a different plan designs or coverage options. In this article we will cover some of the different things that makes Texas policies better and worse than others states.

Insurance Companies strive hard to maintain a strong financial rating with AM Best and the other rating agencies. AM Best is the most common insurance rating agency in the market and is very reputable for rating these companies. I once had the opportunity to sit in on a meeting where an insurance company was being "quizzed" on their financials and I can attest that the questions where pretty difficult.

A portion of the new Health Care Law, Affordable Care Act (Obamacare), has a portion that describes the expansion of Medicaid across the country. Under this law, each state would be responsible for administration of the Medicaid funds but the federal government would contribute 100% of the funds needed to expand in 2014 - 2016. In 2017 - 2020, the federal government would contribute 90% of the expansion cost.