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Medigap Premiums

Getting lower Medigap premiums does not have to be a pipe dream.  In order to get lower premiums from the different Medigap providers you have to know how to play their game.  This article will cover the most common ways to get lower Medigap premiums, but if you came to get medigap quotes then fill out the form on the side of this page and we will be happy to help.

Getting the Lowest Medigap Premiums

The topic of getting the lowest rates for Medigap can be a bit sticky because people have such different health conditions.  The first step to making sure you have the best rates is to make sure that you get your Medigap plan during the open enrollment period.  This is an advantage because six months from when you go on Medicare Part B you can get a Medicare supplement plan without having to go through medical underwriting.  So if you have a pre-existing condition this is your only chance to get the lowest rates possible.  Chances are that if this is an on-going condition you will get higher Medigap premiums or will not get through underwriting if you try to switch in the future.

If you are in good health you can get Medicare supplement quotes on an annual basis to make sure that your rates are not going up faster than with other companies.  You will also want to get quotes from all the companies that offer Medicare supplemental insurance in your area.  Even though a company may not be as highly rated, getting service from them is going to be ok because Medicare supplements are so highly regulated by the federal government.  If you do not look at some of these smaller companies you are giving up the opportunity to get lower Medigap premiums by going with the small company instead of a behemoth like AARP.

Finally you may want to look at Medicare Advantage plans.  These are private insurance policies that replace your Medicare coverage.  This has the potential to save you some money over your Medigap premiums but you have to be careful because you can also give up coverage.  To get a better feel for Medicare advantage check out our page for Medigap VS Medicare Advantage.

At MedigapPlanF.net we are dedicated to helping you find the best rates on your Medigap premiums or on Medicare Advantage.  You can get started by filling out the form on the side of this page.  If you have any questions or if there is any way we can serve you please contact us.