Guide to Medicare Supplement

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The California Department of Insurance (CDI) regulates Medicare Supplement policies underwritten by licensed insurance companies. The CDI assists consumers in resolving complaints and disputes concerning premium rates, claims handling, and many other problems with agents or companies. The Consumer Hotline 800-927-4357 is serviced by experienced professionals who will answer your questions, or assist you in filing a complaint.

How to compare Medigap policies

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AARP® Medicare Supplemental Insurance by United Healthcare

Licensed insurance agents/producers are authorized to offer AARP Medicare Supplement Insurance Plans, insured by UnitedHealthcare Insurance Company. If you’re considering a Medicare supplement plan, talking to an agent/producer may offer the direct assistance you’re looking for.

Medicare Supplement Plans

To be eligible to enroll in a Medicare Supplement plan, you must be enrolled in both Medicare Part A and Part B. A good time to enroll in a plan is generally during the Medigap Open Enrollment Period, which begins on the first day of the month that you are both age 65 or older and enrolled in Part B, and lasts for six months. During this period, you have the guaranteed-issue right to join any Medicare Supplement plan available where you live. You may not be denied coverage based on any pre-existing conditions during this enrollment period (although a waiting period may apply). If you miss this enrollment period and attempt to enroll in the future, you may be denied coverage or charged a higher premium based on your medical history. In some states, you may be able to enroll in a Medigap plan before the age of 65.

Medicare Supplemental Insurance Rates

For those with very limited incomes, a supplemental insurance plan may be financially hard to maintain. If that is the case for you, check to see if there is a company that can offer you a payment plan to help you in paying your premiums. Insurance providers want your business, especially in tough economic times, and you may be able to find a company that will happily work with you. There may also be plans available that do not require you to pay a deductible or co-pay. These plans will save you money, even if the premium may be somewhat higher.

Related posts:

  1. Medigap Buyers Guide: An Online Guide for Most Effective Medicare Supplement Rate
  2. Medicare Supplement Premium Comparison Guide for 2010
  3. A Guide to Medicare Supplemental Companies
  4. Consumer Guide to Health Care
  5. Consumer Guide to Health Care

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