Medigap 2016

Medicare may not pay for all the medical costs of many of its subscribers. In fact, in many cases it leaves them with more medical bills to pay than they can afford. That is why many people will be turning to supplemental plans like Medigap in 2016.

Finding the right plan in 2016 is easier than you might think. The most important thing to remember is that every insurance company has the same plan letters and benefits, but they all charge different rates for the same thing!

Enrolling in Medigap Plans

If you would like to qualify for these plans you must have both Part A and B Medicare. You likely already fulfill the other qualifications if you are, such as being at least 65 years old. The question that many people on Medicare have about these supplemental plans is when they should buy them. The answer is that it is a good idea to get one as soon as you know you can use the coverage. This is often on the effective date of your Part B Medicare.

In fact, if you realize that Medicare will not cover you enough, then you can apply for one of these supplemental plans on the same day you are approved for Medicare. And that is actually the best time to apply for them. During the first six months of attaining age 65, you enter what is known as open enrollment. During this period, all insurance companies must accept your application for Medigap plans. And they can’t charge you extra because of any health conditions you might have.

But you can sign up for the plans at any time after you have Medicare. And you can change out your plans when you like. Just know that outside of open enrollment, you may not be approved for the plan you want and you’ll have to go through what is called medical underwriting.

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Medigap in 2016

Now for Medigap in 2016, there are three plans that most people are going to pick over all the others. These are the ones that offer some of the most coverage to Medicare subscribers, and they are plans F, G and N.

Medigap Plan N

Plan N offers great coverage and actually has the lowest premiums of the three plans mentioned. This is because it has some cost sharing options such as deductibles and co-pays that you are responsible for paying. It covers the Medicare Part A deductible as well as some more blood each year, has an emergency travel benefit, and provides up to 100 days of skilled nursing facility coverage.

With Plan N:

  • You must pay the annual Part B deductible yourself each year ($147 in 2016)
  • After the deductible is met you might have up to a $20 co-pay per doctor’s visit
  • Part B excess charges are not paid on Plan N
  • Upon visiting the emergency room on Plan N, if you are not admitted you will be charged a $50 co-pay

Medigap Plan G

Plan G is the second most comprehensive plan available by Medigap insurance companies, but it’s quickly becoming the most popular. The reason is Plan G has lower premiums than Plan F and can save you money.

With Medigap Plan G:

  • You must pay the annual Part B deductible of $147
  • After this is met, the Plan pays 100 percent of the gaps in Medicare
  • Lower premiums than Plan F; in most areas of the country you’ll save quite a bit on Plan G even after you pay the deductible yourself

Be sure to use our quote engine to get instant rates for Plan G to see how much you can save.

Medigap Plan F:

Plan F provides the most coverage, taking care of all the supplemental costs that plans G and N cover. And on top of that it covers the Medicare Part B deductible.

So why wouldn’t you choose Plan F over the other two lower-coverage plans? Well the more coverage a plan provides for you the more you will pay in premiums. You don’t have to break your budget to pay those premiums though if you want a high-coverage plan.

Plan F is great for people who never want to see a medical bil, so if that’s you then you can go directly to our quote engine to get Plan F rates in your area. If you want to make a comparison though and shop around, definitely get rates for both Plan F and Plan G to see what the savings are for 2016.

Each insurance company that offers Medigap plans offers different monthly premiums, though they all have to keep the same coverage. So you can actually save some money by comparing prices between insurance companies for the same plan. That’s the best way to save some money on Medigap in 2016. And we can help by providing you with a free method of getting quotes from all the major insurance companies.

Medigap 2016 plans


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Medigap 2016

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Medicare Supplement Plans 2016

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