Frequently Asked Questions About Medicare Supplemental Insurance


How is your service completely 100% FREE?
The service we provide to you is completely "free". When you apply for a Medicare Supplement Insurance policy, we get paid a fee directly from the insurance company for our service.

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How to enroll in basic Medicare Parts A & B?
You can enroll online at http://www.socialsecurity.gov/medicareonly. You can call the general Social Security phone number, and get signed up over the phone. Their general number is (800) 772-1213. You can also contact your local Social Security office, and schedule an appointment to enroll in Medicare. You can find the nearest office and phone number by using the “Social Security Office Locator” tool on Social Security’s website at http://www.socialsecurity.gov/locator.

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What exactly is a Medicare Supplement (also called MediGap)?
Medicare Supplement Insurance (also called MediGap), is a secondary form of insurance that people on Medicare will purchase to fill the "gaps" in coverage left basic Medicare. Medicare only covers a portion of healthcare expenses, and without a Medicare Supplement Insurance Plan, you will likely be left with hundreds, if not thousands of dollars in out-of-pocket expenses when you need healthcare.

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Will I get a better price if I apply directly through the company?
No! Medicare Supplement Prices are fixed by law. The insurance company charges the exact same price, regardless of how you purchase or sign up for a policy.

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Why should I sign up through an independent broker like you?
When you sign up for your Medicare Supplement Policy through an independent broker, like us, you will obtain far better customer service than you will receive anywhere else. This is because we specialize strictly in Medicare Supplemental Insurance, and know all of the latest changes and updates that our clients should be aware of. We complete annual policy reviews for all of our clients to ensure you always have the best rate available. We are also always available for immediate customer support should you ever experience any problems or have any questions regarding your policy.

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Aren't you biased toward certain companies?
No! Since we are an independent broker, that means we work on your behalf, not the insurance companies. We represent most Medicare Supplement Companies and are not biased toward any specific one. Our goal is to search through all plans, and all companies in order to find you the best Medicare Supplement Plan for the best price available.

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Should I work with a local agent as opposed to you?
No! We understand that some people like to work with local agents face-to-face, although when purchasing Medicare Supplement Insurance, this is not really the way to go for several reasons. First of all, local agents are most likely not able to provide the level of service that we are able to provide as a national brokerage. We specialize strictly in Medicare Supplement Insurance, and have ALL of the options available (all major companies, and all plans). Most local agents will not represent all companies (at most usually only 1-2), and will likely be biased toward those select few companies, instead of really searching all your options.

In regards to customer service, and experiencing problems, having a local agent will NOT speed up the resolution process, if anything it may take longer. If any problems occur, the agent will need to contact the insurance company directly to resolve any issues. If you are working with a local agent, you will have to spend time meeting with him/her, then they will again need to communicate with the company to resolve issues. We, on the other hand, communicate with the insurance companies on a daily basis, and resolving problems for clients is usually a breeze. With a quick phone call to us, you will be able to resolve problems faster than any other method - faster than any local agent. We utilize technology to obtain the fastest and most accurate customer service in the entire industry.

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When should I apply for a Medicare Supplement Policy?
It depends on your specific situation, but we recommend applying for a new policy approximately 2-3 months before you would like coverage to start. You first have to complete an application for a new Medicare Supplement Policy, then it has to be submitted to the insurance company to go through underwriting, then the policy has to be approved or declined, then mailed to you. This whole process generally takes about a month (depending on the time of year). You always want to leave extra time for problems as well. To learn more on this, please view: how to apply for Medicare Supplement Insurance.

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How often can I switch my Medicare Supplement policy?
As often as you would like! Contrary to the misconception that you can only change once-per-year, you can actually change your Medicare Supplement Plan at anytime throughout the year, and there is no limit on how many times you can change per year. Obviously the goal is to select the best policy and stick with it, but in reality there are no limitations.

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Are pre-existing conditions excluded, or have a waiting period?
With most Medicare Supplement Plans, the insurance company either will accept you onto a new policy, or they will decline you. If they accept you onto their policy, coverage generally starts on the requested effective day and you are usually covered 100% on that day. To figure out if you will be accepted onto a new policy, please call us at: (855) 419-3826, or complete our contact form to have one of our Medicare Specialists call you back.

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What is a "Guarantee Issue Period"?
A Guarantee Issue Period is a specific right to purchase Medicare Supplement Insurance without answering any health questions, and being "guaranteed coverage". To name a few instances, you might be entitled to a guarantee issue period if: you are retiring and losing group health insurance, your previous health insurance plan is being terminated, you move out of state or out of your plans service area, etc. These are only a few reasons you might qualify for "Guarantee Issue".

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Will I receive ID cards for my new policy?
Yes. After you are approved for your new Medicare Supplement Policy, it generally takes about 1-2 weeks to receive your new Policy ID Card's in the mail. You are contacted by our agency after your policy has been approved.

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