<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"><channel><title>Medicare Supplement Center Blog</title><link>http://medicaresupplementcenter.com/</link><description>This is the Medicare Supplement Center Blog</description><copyright>Copyright (c) 2010 </copyright><pubDate>3/18/2010 2:20:14 AM</pubDate><lastBuildDate>3/18/2010 2:20:14 AM</lastBuildDate><ttl>5</ttl><item><title><![CDATA[ new plans M&N ]]> </title><description><![CDATA[ The new Medicare Improvements for Patients and Providers Act (MIPPA) provides much needed new coverage options for Medicare beneficiaries looking for additional coverage &#8211; beyond what their Medicare Parts A &amp; B cover. The new options come in the form of two new Standardized Medicare Supplement plans &#8211; M &amp; N. We are expecting these plans will have a lower premium &#8211; approximately $20-$30 less per month than a Standard Plan F Medicare Supplement &#8211; while allowing some cost sharing with the policyholder in the form of co-pays at the doctor&#8217;s office (Plan N) or only covering 50% of the Medicare Part A deductible (Plan M).
&nbsp;
Since 2005, when the Medicare Advantage Plans (Medicare Part C) started across the country the PFFS (private-fee-for-service) plans have been a popular option among those Medicare beneficiaries opting to enroll in a Medicare Advantage plan instead of a Medicare Supplement plan. However, each year these plans have generally increased premiums, co-pays, out of pocket maximums, and it seems they will significantly reduce the number of counties in which they are offered in 2011. 
&nbsp;
As the monthly costs of the PFFS plans have increased, the new Standardized M &amp; N Medicare Supplement plans will be a welcome alternative to those Medicare beneficiaries currently enrolled in a Medicare Advantage PFFS plan. This is because (1) the cost share is as good or better than most PFFS plans, (2) the coverage offered by Plans M &amp; N will NOT change each year &#8211; therefore, making the policyholder&#8217;s out of pocket costs much more predictable, (3) Medicare Supplement plans are guaranteed renewable for life, therefore policyholders will not worry if their plan will offered the following year (as they do with a PFFS plan), and (4) since Medicare Supplement plans work with traditional Medicare Parts A &amp; B, the choice of providers should be much more open than with a PFFS plan.
&nbsp;
For now, we can only wait to see which Medicare Supplement insurance companies will offer the new M &amp; N plans, and at what price they will be offered. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/new-plans-m-and-n.html</link><pubDate>3/15/2010 4:53:00 PM</pubDate></item><item><title><![CDATA[ Medicare Supplement Plans will be Grandfathered ]]> </title><description><![CDATA[ The 2010 Modernized Medicare Supplement Plans can have effective dates as early as June 1, 2010. &nbsp;The previous Medicare supplement plan designs will no longer be available at that time. &nbsp;Policyholders will naturally be wanting to know how this will effect their Medicare supplement coverage if they already have a Medigap plan. &nbsp;The answer is that the Medigap plans sold prior to June 1, 2010 will be grandfathered. &nbsp;Those insureds will not be required to buy one of the new Modernized Medicare Supplement Plans, nor will they be switched to one of the new policies. &nbsp;They can keep their current coverage as long as they continue to pay their premiums, even if their plan is one that is being eliminated as a future option (like Plan G). ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/medicare-supplement-plans-will-be-grandfathered.html</link><pubDate>2/18/2010 10:39:00 AM</pubDate></item><item><title><![CDATA[ Medicare Supplement Guaranteed Issue Rights ]]> </title><description><![CDATA[ Will your Medicare Advantage Plan be around in 2010? &nbsp;Some Medicare Advantage Plan members will be involuntarily disenrolled from their current plans since some plans will end as of 12/31/09. &nbsp;What does this mean for the Medicare Advantage Plan members? &nbsp;For some this change presents a great opportunity to purchase a Medicare supplement policy without going through any underwriting. &nbsp;If a person's Medicare Advantage Plan leaves Medicare or stops providing benefits in an area of coverage, that person can apply for a for Medicare supplement coverage without answering any health questions.

What is the time frame to take action and purchase a Medigap insurance? &nbsp;The Medicare supplement insurance can be purchased up to 60 calendar days prior to the Medicare Advantage Plan terminating but no later than 63 days after the coverage ends. &nbsp;Plan F is a very popular Medicare supplement plan. &nbsp;This plan along with Plans A, B, C, K &amp; L can be purchased using guaranteed issue rights.
 ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/medicare-supplement-guaranteed-issue-rights.html</link><pubDate>8/1/2009 12:00:00 AM</pubDate></item><item><title><![CDATA[ Medigap Policies Can Be A Smart Purchase ]]> </title><description><![CDATA[ Being on Medicare is great, right? &nbsp;Well, yes and no. &nbsp;Being on Medicare is great because the monthly premiums are affordable. &nbsp;Medicare Part A has no monthly premium and Medicare Part B has a 2009 premium of $96.40. &nbsp;This is great compared to what an individual health insurance policy would cost for someone that age and there are no exclusion for pre-existing conditions with Medicare.

Being on Medicare is not so great when you consider that Medicare Part A has a 2009 deductible of $1,068 and Medicare Part B has a $135 deductible in 2009, then pays 80% of the Medicare approved expenses. This is where Medigap insurance (Medicare supplement coverage) comes in and can be so beneficial. &nbsp;A senior can purchase a Medigap policy, like a Plan F or J, that covers the Medicare Parts A and B deductibles as well as the 20% of Medicare Part B expenses. &nbsp;When you combine Medicare plus a Medicare supplement plan, your out of pocket can end up being little to nothing.

If you are buying a Medigap policy, hoping to get your money's worth out of it be careful what you wish for. That means you are hoping to have poor enough health to get the insurance company to pay as much or more for your health expenses as you paid in premium. &nbsp;That does not makes sense. &nbsp;Do you want your money's worth for auto or homeowner's insurance? &nbsp;Probably not. &nbsp;Of all insurance, the one you least want to use is probably your health insurance. &nbsp;Medigap insurance is bought to protect you from the big expenses and has been a great purchase for many seniors because it has provided peace of mind and financial protection when big needs have unexpectedly and unfortunately arisen.
 ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/medigap-policies-can-be-a-smart-purchase.html</link><pubDate>6/1/2009 12:00:00 AM</pubDate></item><item><title><![CDATA[ Medicare and Hospice ]]> </title><description><![CDATA[ Medicare Part A includes Hospice as a benefit. &nbsp;Medicare Part A beneficiaries are entitled to hospice benefits if they are terminally ill and have less than six months to live. &nbsp;Hospice benefits include doctor services, medical equipment and supplies, and nursing services among other things. &nbsp;In 2009, Medicare Part A has a $1068 deductible. &nbsp;The beneficiary is responsible for this deductible. &nbsp;Medicare Part B has a $135 deductible and then Medicare pays 80% and the beneficiary pays the remaining 20%. &nbsp;These costs can be covered by a Medicare supplement policy. &nbsp;It is easy to get a Medicare supplement quote by talking to a insurance professional who specializes in Medicare supplement insurance.&nbsp; ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/medicare-and-hospice.html</link><pubDate>6/1/2009 12:00:00 AM</pubDate></item><item><title><![CDATA[ Medicare Supplement Policies Are Easy to Buy ]]> </title><description><![CDATA[ Are you interested in buying a Medicare supplement policy for the first time or replacing your current Medicare supplement plan? &nbsp;Medicare supplement coverage is easy to purchase. &nbsp;Rates can be obtained by completing an online quote form like the one found at www.medicaresupplementcenter.com. &nbsp;Once you receive an email back with a quote comparison and decide with an agent what plan makes the most sense for you, a simple application is then submitted to the insurance company where the medigap policy is usually underwritten in only a few days.

An insurance agent can be very helpful when purchasing Medicare supplement insurance. &nbsp;Agents can help navigate the underwriting process since they are familiar with each company's guidelines. &nbsp;They can also help you compare the Medicare supplement rates and benefit of the medigap plans offered by insurance companies.

Medicare supplements are great products providing great protection for seniors covered under Medicare Parts A &amp; B!
 ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/medicare-supplement-policies-are-easy-to-buy.html</link><pubDate>6/1/2009 12:00:00 AM</pubDate></item><item><title><![CDATA[ Changes to Medicare Supplement Policies ]]> </title><description><![CDATA[ Effective June 1, 2010, there will be 11 new Medicare supplement plans, also know as Medigap plans, to choose from. &nbsp;These plans will include plans A, B, C, D, F, high-deductible F, G, K, L, M and N (If you already have a Medicare supplement insurance, your coverage will not be affected). &nbsp;

Plans E, H, I, and J are being eliminated from the Medicare supplement policies. &nbsp;In addition, the At-home recovery and preventative care benefits will no longer be included on Medigap policies. &nbsp;Plan G Medicare supplement policies will have 100% coverage for excess charges instead of 80%. &nbsp;

Medicare has two new creations to add to Medicare supplements insurance plans. &nbsp;Hospice will be part of the basic benefits. &nbsp;Therefore, it will be included on all Medicare supplements. &nbsp;Plans M and N will be offered. &nbsp;These plans will include higher cost sharing but at lower premiums.

 ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/changes-to-medicare-supplement-policies.html</link><pubDate>5/1/2009 12:00:00 AM</pubDate></item><item><title><![CDATA[ Replacing Your Group Policy With a Medicare Supplement ]]> </title><description><![CDATA[ Many seniors are reviewing their health care coverage for the 2009 year.&nbsp; At this time of year, some companies are making changes to their insurance plans for retirees.&nbsp; Some of these changes make Medicare supplement insurance policies attractive.&nbsp; The changes companies make usually result in higher monthly premiums, higher deductible, or maybe both.&nbsp; The companies may even be offering some type of Medicare Advantage plan.&nbsp; For many seniors, a medicare supplement policy might make more sense due to the cost and the degree of coverage since the out of pocket is so low.&nbsp; One important thing to take into consideration when leaving group insurance is RX coverage.&nbsp; If a senior drops the retiree group plan and buys a Medicare supplement, that person should strongly consider buying a Part D policy.&nbsp; But since Part D plans have the coverage gap, for many seniors it is worth staying on group coverage with inferior health benefits in order to keep great RX coverage because the retiree insurance RX coverage may not have a coverage gap. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/replacing-your-group-policy-with-a-medicare-supplement.html</link><pubDate>11/1/2008 12:00:00 AM</pubDate></item><item><title><![CDATA[ Seniors Review Health Insurance ]]> </title><description><![CDATA[ At this time of year, many seniors review their current health insurance to see if a Medicare supplement policy would be a good idea.&nbsp; Seniors that have retired and have insurance through their previous employer are finding out about changes to their health insurance.&nbsp; Not all the changes are favorable.&nbsp; Many include higher premiums and higher deductibles.&nbsp; When the premiums and/or deductibles get too high, Medicare supplement policies combined with Part D coverage become attractive.&nbsp; One important factor to consider before leaving group coverage is what you might be gaining or losing in RX benefits.&nbsp; Many seniors with health insurance through previous employers still have very rich RX coverage that does not have a "hole" in the coverage.&nbsp; A person should be very careful before giving this benefit up, especially if the individual is taking a lot of RXs.&nbsp; A Medicare supplement policy also known as Medigap policy can be a very attractive alternative to consider at this time of year. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/seniors-review-health-insurance.html</link><pubDate>10/1/2008 12:00:00 AM</pubDate></item><item><title><![CDATA[ Time to Shop for a New Medicare Supplement Insurance? ]]> </title><description><![CDATA[ November 15th is coming up and many seniors with Medicare supplement insurance believe that this is the time (November 15th - December 31st) they can change to another medicare supplement policy (medigap policy).&nbsp; This is true and false.&nbsp; True, you can look for and apply with another medicare supplement company between November 15th and December 31st.&nbsp; False, if you thought this was the only time of the year you can change Medicare supplements.&nbsp; Unlike Medicare Advantage Plans and Part D plans Medicare supplement insurance can be changed at any point during the year.&nbsp; One of the easiest ways to shop for a new medigap policy is to request quotes online and let someone do the work for you.&nbsp; This way you can compare Medicare supplement plans and medicare supplement quotes from several different companies and decide which one is the best fit. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/time-to-shop-for-a-new-medicare-supplement-insurance.html</link><pubDate>10/1/2008 12:00:00 AM</pubDate></item><item><title><![CDATA[ 2009 Medicare Part B Premium ]]> </title><description><![CDATA[ Good news for Medicare recipients!&nbsp; For the first time since 2000, the Medicare Part B premium will be the same in 2009 as the previous year for most seniors.&nbsp; Individuals making $85,000 or less or couples making $170,000 or less will pay $96.40/month.&nbsp; This is good news for seniors with Medicare supplement insurance since every dollar matters.&nbsp; Having a Medicare supplemental policy combined with Medicare Part A and Part B is a great way for senior to insure their health.&nbsp; Like almost everything else, premiums increase a little each year on an individual's Medicare supplemental policy so any cost savings helps.&nbsp; In a few weeks it will be time to take a look at Part D coverage and hope that there is some savings available there for Medigap policyholders as well as all other seniors. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/2009-medicare-part-b-premium.html</link><pubDate>10/1/2008 12:00:00 AM</pubDate></item><item><title><![CDATA[ Mediare Part A and Part B Plus Medicare Supplement Insurance ]]> </title><description><![CDATA[ Seniors may be concerned that once they get on Medicare their insurance coverage will decrease in benefits.&nbsp; When you combine Medicare Part A and Part B with Medicare Supplement Insurance you will find great insurance coverage for your medical bills. For example, Medicare supplement coverage found on a Plan F covers all the Medicare Part A and Part B deductibles and the 20% of Medicare Part B charges not covered by Medicare (as well as 100% of all excess charges).&nbsp; What does that leave the insured to pay?&nbsp; Nothing if all the charges are approved by Medicare and the insured is going to a provider that accepts Medicare.&nbsp; How can the coverage improve unless you were paid to go to the doctor or hospital!&nbsp; The only piece missing is a Part D (prescription drug plan) to the Medicare and Medicare supplement coverage. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/mediare-part-a-and-part-b-plus-medicare-supplement-insurance.html</link><pubDate>9/1/2008 12:00:00 AM</pubDate></item><item><title><![CDATA[ Medicare Supplements See Lower Rate Increases ]]> </title><description><![CDATA[ Good news for Medicare supplement policyholders!&nbsp; Aon Consulting Worldwide surveyed more than 70 leading health care insurers.&nbsp; Part of the survey focused on Medicare supplement rate increases.&nbsp; The result was that rates were projected to increase 7.3%.&nbsp; This is good news since a year ago the rates were increasing 11.2%.&nbsp; Rates can be expected to increase.&nbsp; But there is a way to potentially lower your Medicare supplement rate.&nbsp; How?&nbsp; By shopping around.&nbsp; Contact an agent, which can easily be done over the internet, and get current Medicare supplement quotes.&nbsp; This way you can see if there is something more affordable with equivalent benefits. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/medicare-supplements-see-lower-rate-increases.html</link><pubDate>9/1/2008 12:00:00 AM</pubDate></item><item><title><![CDATA[ Seniors Reach Medicare Part D 'Doughnut Hole' ]]> </title><description><![CDATA[ A Kaiser Family Foundation study released in August said that in 2007 about 3.4 million Americans enrolled in a Medicare Part D drug plan reached the doughnut hole.&nbsp; The 3.4 represents 26% of the Medicare Part D enrollees in 2007.&nbsp; Also, 22% of Medicare Part D enrollees stayed in the doughnut hole for the remaining part of the year while the remaining 4% reached the catastrophic level.&nbsp; Many seniors combine Medicare Part A and Part B with Medicare supplement coverage for their health insurance and find the addition of a Part D plan very beneficial.&nbsp; Medicare Part A and B combined with a Medicare supplement gives great flexibility in doctor and hospital selection.&nbsp; Buying a Part D plan rather than a Medicare Advantage Plan with Part D built in gives the consumer the ability to choose a Part D plan that best fits their RX needs. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/seniors-reach-medicare-part-d-doughnut-hole.html</link><pubDate>9/1/2008 12:00:00 AM</pubDate></item><item><title><![CDATA[ Medicare Part D Premiums Increase in 2009 ]]> </title><description><![CDATA[ Many seniors have great health insurance coverage by combining Medicare Part A and Part B with a Medicare supplement plan and a Medicare Part D plan.&nbsp; Like everything today, prices are on the rise for Medicare Part D plans in 2009.&nbsp; The good news is that the Medicare Part D 2009 premiums are 37% lower than what was anticipated when Part D plans were introduced.&nbsp; The average 2009 rate has increased to $28 per month.&nbsp; This is $3 more than the 2008 average.&nbsp; How can a senior keep costs down?&nbsp; By checking with their doctor to see if a generics can replace brand name drugs and also by checking out the 2009 Part D plans to see if there is one that better fits their needs.&nbsp; This can be done by talking to their pharmacist or using the Medicare website that has a tool allowing one to enter his or her RX information and then ranking the plans in the most cost effective order. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/medicare-part-d-premiums-increase-in-2009.html</link><pubDate>8/1/2008 12:00:00 AM</pubDate></item><item><title><![CDATA[ Medicare Supplements: How they work ]]> </title><description><![CDATA[ In order to have a Medicare supplement, a person must also have coverage under Medicare Part A and Part B.&nbsp; The Medicare supplement picks up where Medicare leaves off.&nbsp; Medicare Part A (hospitalization) has a deductible and additional costs for extended hospital stays.&nbsp; Part B has a deductible and then covers 80% of medical costs.&nbsp; Medicare supplement coverage depends on which of the available plans you choose.
Medicare supplement coverage is preferred by many seniors because it allows them to go to any doctor or hospital that accepts Medicare (generally speaking) and and out of pocket costs are very small, especially if the Medicare supplement covers the Part A deductible. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/medicare-supplements-how-they-work.html</link><pubDate>8/1/2008 12:00:00 AM</pubDate></item><item><title><![CDATA[ Change Medicare Supplements Any Time of the Year ]]> </title><description><![CDATA[ Medicare supplements can be changed during the year at any time.&nbsp; Unlike Medicare Advantage Plans and Medicare Part D Plans which have can only be changed during certain times of the year, Medicare supplements do not have that kind of limitation.&nbsp; If you have received a rate increase during the year or would like to shop around to see if you can get a different plan or less expensive plan you are always free to do so.&nbsp; Be aware that insurance companies can underwrite.&nbsp; You will probably be asked to complete an application including health questions, but for many people this is not difficult.&nbsp; Even if you had a heart attack 5 years ago or had internal cancer 3 years ago, getting a new policy would generally not be a problem. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/change-medicare-supplements-any-time-of-the-year.html</link><pubDate>7/1/2008 12:00:00 AM</pubDate></item><item><title><![CDATA[ Future of Medicare Advantage Plans ]]> </title><description><![CDATA[ Baucas Tackles Cuts in Subsidies for Medicare Advantage Montana Senator Max Baucas, Chairman of the U.S. Senate Finance Committee, wants to reduce funding of Medicare Advantage Plans.&nbsp; Why?&nbsp; Because a government study showed that insurance companies on average were being paid an additional 13% above the cost of traditional Medicare.&nbsp; What would be the result of this?&nbsp; There are several things that could happen.&nbsp; One is that once the funding is reduced, insurance companies might withdraw from the Medicare Advantage market since it will become less profitable.&nbsp; Another natural result would be higher premiums for Medicare Advantage insureds.&nbsp; Premiums might be raised to offset the decrease in funding.&nbsp; Lastly, benefits could be reduced.&nbsp; Plan copayments and out-of-pocket maximums would be raised to move more responsibility toward the insureds.
Medicare Supplements are great products for seniors offering access to more doctors and hospitals in most cases than Medicare Advantage Plans and also lower out of pocket costs when receiving medical attention in many cases.&nbsp; &nbsp;Medigap polices (Medicare Supplements) would become even more attractive if Medicare Advantage Plan funding was cut and can be considered as an alternative. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/future-of-medicare-advantage-plans.html</link><pubDate>4/1/2008 12:00:00 AM</pubDate></item><item><title><![CDATA[ High Deductible Options ]]> </title><description><![CDATA[ Medicare supplements have high deductible options on Plans F and J.&nbsp; On these two plans, a person with Medicare Parts A and B can choose a plan with a deductible of $1,900.&nbsp; In 2007, the deductible was $1,860.&nbsp; The benefit for the insured is lower premiums.&nbsp; Often the premiums are half of what they would have been if the&nbsp; standard Plan F or J had been chosen.&nbsp; Obviously, the downside is more financial responsibility on the part of the insured.&nbsp; With a high deductible plan, the insurance company does not start paying until the insured has met the deductible.&nbsp; Medicare Parts A &amp; B will pay in their normal manor but the policy will not begin paying until the copays and coinsurance reach $1,900.&nbsp; Whether or not this is a good fit depends on the individuals willingness to accept greater risk based on the price. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/high-deductible-options.html</link><pubDate>2/1/2008 12:00:00 AM</pubDate></item><item><title><![CDATA[ Getting Medicare Part D ]]> </title><description><![CDATA[ Medicare Part D plans can only be purchased through private companies.&nbsp; Between November 15th and December 31st each year is the Annual Election Period which allows you to sign up for the first time if you have put off purchasing a plan or change plans if there is another one you prefer.&nbsp; One of the best resources for finding the plan that best meets your needs is on the Medicare website (www.medicare.gov).&nbsp; On the website, you can go in and enter your RXs and the website will rank the plans for you based on cost providing you with very detailed information like premiums, copayments, what kind of cost you should expect each month, contact information, etc.&nbsp; 
Medicare Part D is saving some seniors hundreds and others thousands of dollars each year.&nbsp; Make sure you take advantage of the opportunity. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/getting-medicare-part-d.html</link><pubDate>11/1/2007 12:00:00 AM</pubDate></item><item><title><![CDATA[ Medicare Supplements & Departments of Ins ]]> </title><description><![CDATA[ Your state's department of insurance website can be very helpful in getting Medicare supplement information.&nbsp; Often they even provide you with rate information.&nbsp; Sometimes the information is accurate and other times it is a little out of date, but it can a good starting point.&nbsp; You may need to look for a listing of consumer publications which could provide rates or some states even have handy tools that allow you to enter in your zip code and it will list out rates.&nbsp; Keep in mind the rates may not be kept up to date but they do provide some help in knowing generally how much you can expect to pay.&nbsp; 
How do you find your state's department of insurance website?&nbsp; Go to a search engine like Google, type in "Texas department of insurance" for example and look at the top listings.&nbsp; Your state website is probably the first one listed.&nbsp; From there look for terms like "Consumer information" or "Medicare supplement rates" or even "Insurance for Seniors" to find information about Medicare supplements in your state.
Contact us today to receive a free no-obligation quote on Medicare Supplement (Medigap) Insurance. We currently serve the following areas Arizona, Georgia, Illinois, Maryland, Mississippi, North Carolina, Oklahoma and Texas.  ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/medicare-supplements-and-departments-of-ins.html</link><pubDate>8/1/2007 12:00:00 AM</pubDate></item><item><title><![CDATA[ Medicare Supplement Plan J ]]> </title><description><![CDATA[ Prior to Medicare Part B starting in 2005, Plans H, I, and J had RX coverage.&nbsp; When Medicare Part D became available, insurance companies could no longer include RX coverage on these plans because the Part D coverage was superior.&nbsp; When Plan J had RX coverage, it seemed to be too expensive for most people to purchase.&nbsp; Now Plan J is being offered at competitive rates by some companies.&nbsp; Plan J is the most comprehensive Medicare Supplement Plan.&nbsp; 
Many seniors have Plan F.&nbsp; There are two differences between Plan F and Plan J.&nbsp; Plan J covers up to $120 of preventative care not already covered by Medicare and it includes as a benefit At-Home Recovery.&nbsp; When comparing plans, today Plan J can be a very good option. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/medicare-supplement-plan-j.html</link><pubDate>7/1/2007 12:00:00 AM</pubDate></item><item><title><![CDATA[ Dallas Morning News Article - Medicare Advantage Plans ]]> </title><description><![CDATA[ 

Below is an excellent article on the subject of Medicare Advantage Plans everyone should consider.
Handle&nbsp; with care
 Seniors signing up for private Medicare could discover gaps in their coverage

12:00 AM CDT on Tuesday, May 1, 2007
 By BOB MOOS&nbsp; /&nbsp; The Dallas Morning News 
bmoos@dallasnews.com  
Effie Hubbard thought she had signed up for a private Medicare plan that would ease her worries about paying for health care.
  

MILTON HINNANT/DMN
Merlin Jones found that his wife's Medicare Advantage plan did not include prescription coverage or home health services for Ruby, who has Alzheimer's. 

Instead, it only gave her headaches.
Soon after enrolling, the 73-year-old Dallas woman learned that doctors she had had for years didn't participate in the plan. What most upset her, though, was that her prescription drug costs jumped by a couple of hundred dollars a month.
  

MILTON HINNANT/DMN
After signing up for a private Medicare plan, Effie Hubbard, 73, found that her prescription drug costs jumped by a couple of hundred dollars a month and that doctors she had been going to for years didn't participate in the plan. 

Ms. Hubbard lives on $627 a month from Social Security.
"I couldn't afford my medicine anymore," she said. "I'd like to find the woman who sold me this. I'd give her a piece of my mind."
So would many other frustrated seniors who have switched from the traditional Medicare program to private Medicare plans.
After tangling with prescription drug plans, older adults are running into problems with Medicare Advantage plans.
The private plans &#8211; sold under names such as Advantra, Sterling and WellCare &#8211; combine Medicare's basic physician and hospital coverage with additional benefits such as dental and vision care.
In the original Medicare program, the government pays beneficiaries' claims directly.
With the Advantage plans, the government pays private insurers to oversee their customers' health care.
The number of seniors in the private plans has grown by 60 percent since 2003 and accounts for 8.3 million of Medicare's 43 million beneficiaries, according to the Kaiser Family Foundation.
But with the surge in new members have come concerns that older adults don't know what they're buying and sometimes fall victim to questionable sales tactics.
Lue Taff, who manages the elder support program at the Senior Source of Dallas, says her staff has noticed a sudden uptick in complaints about the private plans.
"The seniors feel they've been misled, particularly if they've enrolled in one of the newer private fee-for-service plans," she said.
What to ask
The fee-for-service plans have had a sixfold increase in enrollment over the last 18 months and, according to advocates, are behind most of the recent dissatisfaction.
Unlike managed-care plans that limit beneficiaries to networks of doctors, fee-for-service plans advertise that seniors can go to any doctor who agrees to the plan's terms.
But, Ms. Taff said, some older adults find out after they sign up that they can't see the doctors they've had in original Medicare.
"They're either being misled or misunderstanding what they're told," she said. "Before joining a plan, make sure your doctor accepts it."
Experts say private Medicare plans offer seniors an alternative to original Medicare. But they can be bewildering.
The number of Advantage plans has doubled or tripled in many areas over the last year. Thirty-eight plans are available in Dallas County.
"Some seniors don't know what questions to ask and buy something they don't want," said Ron Austin, a social worker with Baylor Health Care System.
Ms. Taff said some sales agents play up the dental or vision care and gloss over the plans' drawbacks.
Big letdown
Merlin Jones, 67, of Dallas said he thought he was helping his wife, Ruby, get prescription drug coverage when he enrolled her in a private plan.
Then he found out that home health services would be cut off for his 65-year-old wife, who suffers from Alzheimer's disease.
The drug coverage also turned out to be an empty promise.
"After I bought the one plan, I was told I'd have to wait until November to sign up for another that covered drugs," Mr. Jones said.
"Insurers should make sure people understand what they're buying," he said. 
"Why do they put us through all this?"
Sales tactics
The Senior Source is helping older adults disenroll from Advantage plans if they think they've been duped.
Those seniors can return to original Medicare within about a month, Ms. Taff said.
The Texas Insurance Department is also hearing from older adults about shoddy tactics by plans' sales agents.
"Some of the tactics, such as door-to-door marketing, clearly violate the law," said department official Norma Almanza. 
Ms. Hubbard said she bought her private Medicare coverage from a woman who came to her house uninvited.
"The saleslady was knocking on every door in the neighborhood," she said.
Bennie Dixon, who's 77 and lives in Dallas, said two sales agents approached her and her sister while they were shopping at a discount store.
"They weren't connected with the store. They just walked up behind us in the aisle and started making their pitch," she said.
Medicare's marketing rules forbid such solicitation, said Art Pagan, an official in Medicare's Dallas office who helps regulate the Advantage plans.
Though most insurers contract with independent agents, they're still responsible for any inappropriate sales tactics, he said.
Ms. Almanza said some seniors are confused about what they're buying because some agents are confused about what they're selling.
"Some agents don't realize the problems they're creating for clients," she said. "But that's no excuse for what they're doing."
WellCare Health Plans Inc., which sold Ms. Hubbard her plan, said its agents have to complete an online training course and pass a test. 
John Aberg, vice president of corporate communications, said the company knows of no problems with the sale of its private fee-for-service plans in Dallas.
"We have rigorous compliance standards for the independent agents who sell our products," he said. 
"We consistently monitor sales practices for potential issues and educate or even terminate brokers based on our findings." 
Call for help
To curb overzealous marketing, some insurers have begun withholding sales commissions for 90 days while they make sure new customers are satisfied with their coverage, Mr. Pagan said.
Medicare will investigate seniors' complaints about Advantage plans and, if verified, work to resolve the problems, he said.
Anyone who's had difficulty with a plan should call Medicare at toll-free 1-800-633-4227 or the Area Agency on Aging at 211, Mr. Pagan said.
Advocates for older adults say it's hard to determine the extent of the problems with the private fee-for-service plans.
The Senior Source says it has heard from about 25 seniors over the last month. 
The state Insurance Department says it gets calls daily.
Time to switch
Ms. Almanza expects the complaints to increase, even though the annual open enrollment period for Advantage plans ended on March 31.
A new federal law allows seniors to switch at any time in 2007 or 2008 from original Medicare to an Advantage plan as long as it doesn't include drug coverage.
"Anyone who's approached about a private Medicare plan needs to ask questions because sales agents aren't always telling the full story," Ms. Taff said.

&nbsp; ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/dallas-morning-news-article-medicare-advantage-plans.html</link><pubDate>5/1/2007 12:00:00 AM</pubDate></item><item><title><![CDATA[ Medicare Deductible Changes ]]> </title><description><![CDATA[ Each year Medicare adjusts the Medicare Part A and Medicare Part B deductibles.&nbsp; These adjusts seem to reflect higher costs of providing health insurance coverage due to inflation and the rising cost of health coverage.&nbsp; The Medicare Part A deductible went from $954 to $992.&nbsp; That is a $42 change (4.4%).&nbsp; The Medicare Part B deductible went from $124 to $131.&nbsp; That is a $7 change (5.4%).&nbsp; Each year these deductibles seem to rise.&nbsp; Fortunately, a Medicare recipient can purchase a Medicare Supplement that will cover some if not all of these costs. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/medicare-deductible-changes.html</link><pubDate>3/1/2007 12:00:00 AM</pubDate></item><item><title><![CDATA[ Switching Medicare Supplement Companies ]]> </title><description><![CDATA[ For many people, changing medicare supplement companies is a very simple thing to do.&nbsp; The first things a person would want to consider are the medicare supplement plan designs and the monthly premiums.&nbsp; These should be compared with what the insured has through the current company.&nbsp; Usually, the reason a change is considered is because the insured has received a rate increase and wants to shop other options.&nbsp; If a plan is found where the benefits and monthly premium makes sense compared to the current medicare supplement, the next step is underwriting.&nbsp; Insurance companies often look back about two years at the individual's health history.&nbsp; If there has not been treatment for major health problems (internal cancer, TIA, stroke, for example), during that time, you should talk with an agent about the options that are available.  ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/switching-medicare-supplement-companies.html</link><pubDate>9/1/2006 12:00:00 AM</pubDate></item><item><title><![CDATA[ Medicare Preventative Services ]]> </title><description><![CDATA[ During the first six months an individual is on Medicare Part B, Medicare coveres a one-time preventative physical exam.&nbsp; What does the exam include?&nbsp; It includes a review of your health, information on preventative services you need like certain screenings and shots.&nbsp; The amount you pay is 20% of the Medicare approved amount after the Part B deductible.&nbsp;  ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/medicare-preventative-services.html</link><pubDate>8/1/2006 12:00:00 AM</pubDate></item><item><title><![CDATA[ Medicare Supplement Bill Payment ]]> </title><description><![CDATA[ If you have a medicare supplement, also known as a medigap policy, how is your doctor paid for the service provided?&nbsp; Medicare supplement insurance companies in most cases pay the doctor directly.&nbsp; This is the case if the doctor "participates" with Medicare.&nbsp; It would be advisable to have the doctor's office note on the Medicare claim form that you have a medicare supplement and want the doctor paid directly.&nbsp; You also want to be sure that the doctor has the right insurance company name and policy number.&nbsp; They may simply photocopy your insurance card.&nbsp;  ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/medicare-supplement-bill-payment.html</link><pubDate>7/1/2006 12:00:00 AM</pubDate></item><item><title><![CDATA[ Creditable Coverage and Medicare Supplements ]]> </title><description><![CDATA[ Medicare Supplements can have a six-month wait on pre-existing conditions (health problem or problems you have had before the date the insurance coverage begins), unless you have had at least six months of previous health coverage that can be considered "credible coverage".&nbsp; &nbsp;If you have had less than six months of credible coverage, the six month wait on pre-existing conditions is reduced one month for each month of credible coverage. You would definitely prefer your medicare supplement to not have a six month wait, since a health problem that was diagnosed or treated during the wait would not be covered. What constitutes creditable coverage?&nbsp; Generally speaking, any other health coverage you had prior to starting on Medicare supplement policy:&nbsp; group health, individual health policy, medicare Part A or B, medicaid, Tricare, etc. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/creditable-coverage-and-medicare-supplements.html</link><pubDate>6/1/2006 12:00:00 AM</pubDate></item><item><title><![CDATA[ Medicare Supplement Rates ]]> </title><description><![CDATA[ Attained-age.&nbsp; &nbsp;This means the medicare supplement rate increases as you get older.&nbsp; This may be each year or every 5 years (at age 70, 75, 80, etc.) for example.&nbsp; Often medicare supplement rate increases are very modest, like just $4 per year as you get older.&nbsp; &nbsp;Another component to rate increases is inflation.&nbsp; Companies sometimes adjust rates to address the rising cost of health insurance as well as inflation in the marketplace. Medicare supplements are also sold as issue-age policies.&nbsp; &nbsp;This means the premiums will not increase due to age.&nbsp; Obviously, as the group ages any necessary adjustments in premium are accomplished by an inflation adjustment.&nbsp; Seniors should listen carefully to what they are being told by agents.&nbsp; When the agent says the rate will never increase due to age, does the agent also address inflation as a potential factor?&nbsp; Many seniors are left with the impression that on an issue age policy their rates will never increase.&nbsp; This is not accurate.&nbsp;  ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/medicare-supplement-rates.html</link><pubDate>5/1/2006 12:00:00 AM</pubDate></item><item><title><![CDATA[ Medicare Supplement Underwriting ]]> </title><description><![CDATA[ Individuals applying for a Medicare Supplement that are not in an Open Enrollment period or Guaranteed Issue period usually must be underwritten for an insurance company to provide medicare supplement coverage.&nbsp; What is underwriting like? Companies differ in how they underwrite.&nbsp; The primary part of underwriting on medicare supplements is the "Yes/No" part of the application.&nbsp; If the applicant can answer "No" to all the questions, the insurance company will usually provide coverage.&nbsp; &nbsp;Some insurance companies also do telephone interviews to go over the questions again and/or may ask for a list of RXs taken in the last 12 months to get additional information.&nbsp; &nbsp;Medical records may be requested in the medicare supplement application process. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/medicare-supplement-underwriting.html</link><pubDate>2/1/2006 12:00:00 AM</pubDate></item><item><title><![CDATA[ Medicare Part D Revisited ]]> </title><description><![CDATA[ Things are getting very busy regarding Medicare Part D.&nbsp; &nbsp;Insurance companies that sell Medicare supplements are getting their information out to medigap policyholders regarding the plans that they offer.&nbsp; Other companies are soliciting by mass mailings.&nbsp; What are the things you should remember?&nbsp; Here are a few: You are eligible if you have Medicare Part A or are enrolled in Medicare Part B.&nbsp; &nbsp;The first day you can sign anything is November 15, 2005.&nbsp; &nbsp;Coverage will not begin until January 1, 2006 at the earliest.&nbsp; If you wait until after May 15, 2006 to enroll, you will be penalized.&nbsp; &nbsp;If you already have "creditable coverage" through another source, the penalty will not apply.  The key for those on Medicare will be to find a plan that has the best coverage based on the RXs the individual is taking.&nbsp; For example, two companies may both cover Lipitor but one has a copay of $20 and the other has one of $30.&nbsp; A person needs to know this information before getting started. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/medicare-part-d-revisited.html</link><pubDate>10/1/2005 12:00:00 AM</pubDate></item><item><title><![CDATA[ Medicare Supplement Are Guaranteed Renewable ]]> </title><description><![CDATA[ Can your medicare supplement provider drop your coverage?&nbsp; &nbsp;If your policy was purchased after 1990, then no.&nbsp; The medigap policy is guaranteed renewable.&nbsp; The only way your coverage can be dropped is if you stop paying your premium, information you provided on the application was not truthful, or the insurance company goes bankrupt. If&nbsp; you were to lose coverage due to bankruptcy, there is protection for you.&nbsp; You have 63 days from the date your coverage ends to purchase Medicare Supplement Plans A, B, C, or F.&nbsp; &nbsp;This is referred to as a guaranteed issue period.  ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/medicare-supplement-are-guaranteed-renewable.html</link><pubDate>9/1/2005 12:00:00 AM</pubDate></item><item><title><![CDATA[ Medicare Part D ]]> </title><description><![CDATA[ The initial open enrollment period for Medicare Part D is November 15, 2005 through May 15, 2006.&nbsp; Enrolling is a choice that each person that has Medicare Part A and B recipient can make.&nbsp; During the second half of 2005, Medicare will be providing a great deal of information to Medicare recipients regarding this coverage. Medicare Part D has a $250 deductible, then pays 75% of the next $2,000.&nbsp; At that point the Medicare recipient is responsible for all of the next $2,850.&nbsp; Once you have personally paid $3,600 ($250 deductible, $500 coinsurance, and $2,850) you pay 5% of additional drug costs and the plan pays 95%. More generous coverage can be offered by RX drug plans which may have a higher cost.&nbsp; Insurance companies will be marketing different plans that have at least the benefit mentioned above for you to choose from.&nbsp; Remember that joining is a choice but the premium may go up if you wait. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/medicare-part-d.html</link><pubDate>8/1/2005 12:00:00 AM</pubDate></item><item><title><![CDATA[ Medicare SELECT Plans ]]> </title><description><![CDATA[ Medicare SELECT Plans are available in many states.&nbsp; &nbsp;Although Medicare SELECT Plans can be in the form of any of the 10 standardized plans, they are usually either a Plan F SELECT or a Plan J SELECT.  What differentiates SELECT plans from Standard plans is SELECT plans have a list of specific hospitals that one can use (emergencies are generally exceptions) and get complete insurance benefits.&nbsp; In some cases there are also limitations on the use of doctors.&nbsp; &nbsp;When purchasing a SELECT plan a person needs to consider the list of hospitals and also consider if one's current doctors use those hospitals. Because of the restrictions that apply to these types of policies, Medicare recipients can usually purchase them at a lower price. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/medicare-select-plans.html</link><pubDate>7/1/2005 12:00:00 AM</pubDate></item><item><title><![CDATA[ Medigap Coverage of Pre-existing Conditions ]]> </title><description><![CDATA[ If you had/have a health problem prior to purchasing a Medicare Supplement, that particular problem is considered a pre-existing condition.&nbsp; Prior to purchasing a Medigap policy, one should know if the pre-existing condition will be covered by the policy.&nbsp; Many Medicare Supplements cover pre-existing conditions immediately.&nbsp; Some do not.&nbsp; An insurance company can accept an applicant and not cover the condition for up to no more than 6 months.&nbsp; This a "pre-existing condition waiting period".&nbsp; &nbsp;For this to be applied the condition must be either diagnosed or treated during the 6 months prior to the Medicare Supplement starting.&nbsp; Medicare will still cover the condition, but the insurance policy will not. Many companies that have a pre-existing condition waiting period will waive the waiting period if the insured has had prior credible coverage.&nbsp; This means if you have been on an individual major medical policy, a group major medical policy, or Medicare Part A for example the insurance company will probably go ahead and waive the waiting period.&nbsp; This is something an individual needs to have clarified by the agent. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/medigap-coverage-of-pre-existing-conditions.html</link><pubDate>6/1/2005 12:00:00 AM</pubDate></item><item><title><![CDATA[ High-Deductible Medicare Supplements ]]> </title><description><![CDATA[ There are two Medicare Supplement Plans that come in a high-deductible option.&nbsp; Those are Plans F and J.&nbsp; Medigap Plans with the high deductible option do not begin to pay until the insured has personally paid $1, 730.&nbsp; This amount is the 2005 deductible which can be raised each year. The advantage of the high deductible policy is that the premiums are lower.&nbsp; The disadvantage is that the policy does nothing until you have personally met the deductible.&nbsp; This could make the out of pocket cost much higher than if you had a standard Plan F or J if you had a lot of medical expenses.&nbsp; The foreign travel deductible of $250 for Plans F and J and the RX deductible of $250 for Plan J do not apply towards the high deductible amount.&nbsp;  ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/high-deductible-medicare-supplements.html</link><pubDate>6/1/2005 12:00:00 AM</pubDate></item><item><title><![CDATA[ Medicare Part A Benefit Period ]]> </title><description><![CDATA[ Medicare Part A in 2005 has a deductible of $912.&nbsp; That means the insured is responsible for the first $912 of inpatient hospital expense before Medicare will begin to pay.&nbsp; &nbsp;The bad news for the insured is that this deductible can occur more than one time during the year.&nbsp; This is one of the main reasons a medicare supplement is so important.&nbsp; All medicare supplements, with the exception of Plan A, cover this deductible. If the Medicare Part A deductible will be apply more than once during a year is based on a benefit period.&nbsp; The benefit period begins on the day the insured begins receiving inpatient hospital care which is approved by Medicare.&nbsp; The benefit period ends when you have been out of the hospital for more than 60 days.&nbsp; Medicare Supplement Plans B-J will cover this deductible even if it happens more than once a year. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/medicare-part-a-benefit-period.html</link><pubDate>5/1/2005 12:00:00 AM</pubDate></item><item><title><![CDATA[ Medicare Assignment ]]> </title><description><![CDATA[ Assignment is an important word for the Medicare recipient.&nbsp; It refers to how the health care provider is paid.&nbsp; If a doctor accepts assignment, the doctor has agreed to always accept the medicare approved amount for each service provided as payment in full.&nbsp; Since Medicare pays 80% of the Medicare approved amount, that makes the insured responsible for the 20% balance remaining.&nbsp; All Medicare Supplements will cover the 20% balance after the deductible ($110 in 2005) has been met.&nbsp; Medicare pays the doctor 80% of the Medicare approved amount directly.&nbsp; &nbsp;If the insured has a Medigap policy, the Medicare Supplement company then pays the doctor via electronic claims processing the remaining 20%.  If assignment is not accepted, the doctor can charge up to 15% above the Medicare approved amount.&nbsp; This limiting charge does not apply to all services and supplies.&nbsp; Medicare Supplements like Plans F and G cover all or most of this excess charge. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/medicare-assignment.html</link><pubDate>5/1/2005 12:00:00 AM</pubDate></item><item><title><![CDATA[ Medicare Part A and Part B ]]> </title><description><![CDATA[ What is the difference between Medicare Part A and Medicare Part B?&nbsp;  Medicare Part A is hospital insurance.&nbsp; It covers inpatient care.&nbsp; This includes skilled nursing access, but this is not to be confused with long-term care.&nbsp; Hospice and other home health care are part of Medicare Part A.&nbsp;  Medicare Part B is medical insurance.&nbsp; It covers services provided by the doctor, physical and occupational therapy, some home health care, and very importantly outpatient hospital care.&nbsp; Some preventative services are also covered.&nbsp; They include:&nbsp; bone mass measurements, colorectal cancer screening, diabetes services, glaucoma testing, pap test and pelvic exam, prostate cancer screening, mammograms, the vaccination shots. How do medicare supplements fit in with Medicare Part A and Part B?&nbsp; Medicare Parts A and B have deductibles and coinsurance that the medicare recipiant is responsible for.&nbsp; Medicare Supplement Insurance protects the insured from these risks. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/medicare-part-a-and-part-b.html</link><pubDate>4/1/2005 12:00:00 AM</pubDate></item><item><title><![CDATA[ Medicare Supplements with RX Coverage Become Obsolete ]]> </title><description><![CDATA[ In 2006, Medicare beneficiaries can enroll in Medicare Part D.&nbsp; Part D will make Medicare Supplement (also known as Medigap) policies with RX coverage obsolete because the coverage through Part D will be more cost effective.&nbsp; Medicare Supplement Plans H &amp; I pay 50% of RX costs after a $250 deductible up to just $1,250.&nbsp; Medicare Supplement Plan J pays 50% after a $250 deductible up to $3,000.&nbsp; Medicare Supplement rates for these plans are typically at least $300 per month.&nbsp; In January, 2006, Part D will cost just $35 per month.&nbsp; Depending on where a person lives a person can buy Plan F or G for as little as $80 or as much as $150 for someone age 65.&nbsp; Combining a Medicare Supplement Plan F or a Medicare Supplement Plan G for $80 to $150 per month with Medicare Part D for $35 is a better value than having a Medigap Plan H, I or J for about $300 per month.&nbsp; Consider the Part D benefits: You are responsible for the first $250.&nbsp; &nbsp;Then you would then be responsible for 25% of the next $2,000 ($500), Medicare Part D pays 75% ($1,500).&nbsp; Next, you are responsible to pay for 100% of the next $2,850 of RX costs.&nbsp; After that you pay just 5% of remaining costs.&nbsp;  For a Medicare recipient, purchasing Medigap Plan F or G with Medicare Part D is a better option than having Medigap Plan H, I or J. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/medicare-supplements-with-rx-coverage-become-obsolete.html</link><pubDate>4/1/2005 12:00:00 AM</pubDate></item><item><title><![CDATA[ Open Enrollment Period ]]> </title><description><![CDATA[ The Medicare Open Enrollment Period begins on the first day of the month in which you are both 65 years of age (or older) and you are enrolled in Medicare Part B.&nbsp; This period lasts 6 months.&nbsp; When did your period begin?&nbsp; Look at your Medicare card to see when Medicare did/will start.&nbsp; During the open enrollment is the best time to purchase a medicare supplement.&nbsp; Often people get confused regarding the terms medicare supplement and medigap.&nbsp; Medicare supplement and medigap refer to exactly the same type of insurance policy and are therefore synonomous.&nbsp; This is the best time to purchase a medicare supplement because an insurance company cannot turn you down, apply any conditions, or charge more due to a health problem.&nbsp; Insurance companies can apply a waiting period for pre-existing conditions to your medigap policy, but that can be eliminated or shorten if you have had prior credible coverage.&nbsp; Most seniors start Medicare Part B when they turn 65, so for most seniors this is the best time to purchase a Medicare Supplement. ]]> </description><link>http://medicaresupplementcenter.com/blog/posts/open-enrollment-period.html</link><pubDate>3/1/2005 12:00:00 AM</pubDate></item></channel></rss>