Easy Michigan Medicare Supplements From Easy Medicare Advantage

By William Marks

Is it time to replace your current Medicare supplement or are you interested in buying a new Medicare Supplement. It is easy to buy Medicare supplement coverage.

Rates can be obtained by completing an online quote form like the one found at www.medicaresupplementcenter.com 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.

Insurance agents are very accommodating with the purchase of Medicare supplement insurance. These agents can help with the underwriting process since they know each companies guidelines. Agents can assist you to compare Medicare supplement rates and benefits of medigap plans offered by insurance companies. Excellent protection from Medicare supplements is provided to seniors with Medicare Parts A & B.

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, and then pays 80% of the Medicare approved expenses. This is where Medigap insurance (Medicare supplement coverage) comes in and can be so beneficial. 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. When you combine Medicare plus a Medicare supplement plan, your out of pocket can end up being little to nothing.

Eleven new Medicare supplement plans go into effect June 1, 2010. These plans are also known as Medigap plans. The new plans are A, B, C, D, and F, high deductible F, G, K, L, M and N. Having a Medicare supplement will not affect your coverage.

Medicare supplement plans being eliminated are Plans E, H, I and J. At Home recovery and preventative care benefits will no longer be included in Medicare supplement plans. Medicare supplement Plan G will have 100% coverage for excess charges rather than the 80%.

Medicare has two new items to add to Medicare supplement insurance plans. One of those is Hospice which will be part of the basic benefits. So it will be included on all Medicare supplements. Plans M and N will be offered. Higher cost sharing but at lower premiums are what these plans will offer.

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