Our independent insurance agency offers Medicare supplement insurance in Alabama direct to consumer.
Using our services, you can view quotes, compare renewal history and enroll online at no additional cost.
We’ll show you the direct rates from several carriers and also provide education about the various Medigap plans. We help our clients compare Part D drug plans as well.
If you are new to Medicare, you might need guidance. There are several supplements to choose from and it’s hard to know which policies offer the best value. We take the mystery out of Medigap insurance and will help you understand the differences between popular plans like F, G and N. We will also help you compare renewal history for each provider.
You can view our Medicare supplement chart to see which plans cover which benefits and at what level. Most often, our clients choose Plan F, G or N for their Medigap coverage, but one size does not fit all. Considering that Plan F is being phased out in 2020, we are now seeing more demand for Plans G and N.
Plans G and N are usually about $20-$40 less a month than Plan F. And they don’t have a lot of out of pocket exposure. There is a small, yearly deductible with plan G and small office copays with Plan N. We can help you understand the nuances of these different Medicare supplement insurance plans so that you find the plan that best suits your needs.
It can be a wise idea to consult an independent agency like ours when shopping for Medicare supplement insurance in Alabama. First, you should know that placing your business through a broker adds no cost whatsoever. Prices are controlled by law.
And we provide helpful insight into renewal history, couples discounts, ratings classes and reputation that might be hard to find on your own. You’re working direct with us.
When you contact our agency, it’s like you’ve called dozens of carriers at once. We are a one-stop shop for quotes and information. We also provide ongoing support for our clients. Medicare makes changes to deductibles, co-insurance and other cost sharing metrics yearly so it can be a good idea to have a knowledgeable agent to count on going forward.
Currently there are close to 765,000 adults over age 65 in Alabama. By the year 2025, that number is estimated to be close to 1 million people. Some of these people will still have group insurance well into their 60’s and beyond, but many will retire and elect Medicare.
With this many beneficiaries, Medicare supplement companies are eagerly competing for your business. This competition is good and helps to drive down rates for everyone. Even if you already own a Medigap plan, it’s a wise idea to periodically shop rates to make sure your policy is competitively priced.
There are several carriers currently offer competitive supplemental rates including: Aetna, Bankers Fidelity, Central States Indemnity, Humana, Philadelphia American, Transamerica, United Healthcare AARP, and others. We work with them all direct.
If you are under age 65 and eligible for Medicare due to disability, you will have fewer supplemental options available. In this case, an Advantage plan can be a good choice until such time as you do turn 65. We offer Medicare Advantage plans as well and can help you compare and contrast the ones available in your county.
Our independence is the key to your satisfaction. We don’t play favorites. We work with our clients to find the insurance policies that best suit their now and in the future.
Not only will we help you with Medicare supplements, but we also provide Part D drug insurance comparisons and enrollment as well. Contact us today to get started.