supplement Archives - Secure Medicare Solutions

Household Discounts for Medigap Plans

April 6, 2015 by Garrett Ball · 5 Comments

Medigap companies are always looking for a competitive “edge” in the market place.
One of the most recent trends is the inclusion of the household discount that most companies now offer. Although these discounts range from 5% to 12%, they can have a significant impact on which company is right for you.

The biggest change, in recent months, has been the inclusion of the discount for people who share a household with another adult, regardless of whether that other adult has the same insurance policy. In other words, you can qualify for the discount (with many companies), just based on being married or living with another adult. In year’s past, you would have had to both sign up for the same insurance company/plan. Now, that is not the case with many companies.

Some of the companies that offer some form of household discounts now include Mutual of Omaha, Aetna, Medico and Equitable to name a few. These discounts range from 5% to 12%, depending on the company and where you live.

As you may already know, Medicare Supplement plans are Federally-standardized. So for example, a Plan F with one company is the same as a Plan F with another company. Price and company reputation are the only differentiating factors between companies, so it is important to compare based on premium.

If you have not compared your Medicare Supplement coverage lately, it is a good time to do so. Not only is there the new revamped calculation of the household discount available through many companies, but there are also several newer, very competitively priced companies in the Medicare Supplement market. Several of these are large companies that have “repriced” their plans, while others are well-established companies that have ventured into the large and expanding Medicare market.

If you have questions about this or would like a quick quote via email, you can call us at 877.506.3378 or request information at Medigap quotes.

Filed Under: Medicare insurance news, Medigap Plans · Tagged: household discounts, medicare, medigap, medigap rates, plans, quotes, supplement

Help! Losing Medicare Advantage or Employer Coverage

September 26, 2014 by Garrett Ball · Leave a Comment

This time of year, every day there is a new Medicare Advantage plan termination or employer-sponsored group health plan termination announced. This can be intimidating and scary for someone who is losing Medicare Advantage or employer/group coverage. We field hundreds of questions about this annually, with some of the common questions being why is my plan ending, what can I do about it, or what are my options. This article should answer those questions clearly and concisely. If you prefer to speak to an adviser directly about your specific situation, you can call us at 877.506.3378 or email us at garrett@securemedicaresolutions.com.

First and foremost, you should understand what type of plan you have now that is ending. If you have a Medicare Advantage plan, this type of coverage is a privatized version of Medicare offered through private companies but run on a year-by-year (calendar year) basis with the Federal Government’s Medicare program. So each year, some of these plans will be renewed by the companies that sell them, and other plans will be dropped or changed.

If you are losing Medicare Advantage coverage, you will be notified by October 1 of that change and your entitlement to a special election period to choose another Medicare Advantage plan or an actual Medicare supplement (Medigap) plan on a ‘guaranteed issue’ basis. If you take no action, you will be returned to Medicare Parts A and B and you will have that for the calendar year 2015. It is important to understand that, just because you you are losing Medicare Advantage coverage, it does not mean you are going to have ‘no coverage’ for the following year. First of all, you will be reverted back to Medicare (at the worst). Best case scenario, you can get a much more comprehensive coverage plan (Medicare Supplement/Medigap) on a one-time ‘guaranteed issue’ basis. Normally, you have to ‘qualify medically’ for this type of coverage, but you do not have to do that when you are losing Medicare Advantage coverage because the company is terminating it.

If you want to compare the other Advantage plans in your area or look at Medigap as a more stable alternative, you can contact us at 877.506.3378 or at garrett@securemedicaresolutions.com.

If you are losing an employer-sponsored group plan, as many large employers are doing over the past few years, your situation is very similar but does have some unique aspects. For example, if you are a General Electric retiree (GE) or AT&T retiree that is losing coverage this year, there are better options besides what are presented with from your company.

The trend now for many of the large companies that are ‘cutting off’ insurance benefits for their retirees is to hire these ‘middlemen’ companies like AON, Extend Health, etc. These third-party companies are financially incentivized to place you in certain plans, and their stake in this is often tied (financially) to your former employer. If that seems like a conflict of interest, that’s because it is.

If this is your situation and you have the option of using an actual independent broker to compare/choose a plan, we would highly advise doing so, regardless of whether that is us or someone else. Besides the aforementioned conflict of interest, you would also be dealing with a more qualified, informed agent when using an independent brokerage (business owners vs. hourly call room employees). Moreover, an independent brokerage is equipped and able to offer support, answer questions, etc. after you are enrolled in a plan.

In working with retirees from these two companies already this year, we have seen some of the plans being presented/recommended and would strongly recommend that you explore your other options rather than get stuck with a $150+/month Plan F.

If you are losing employer-sponsored group coverage, you are entitled to a ‘guaranteed issue’ situation, during which you can choose a Medigap plan without medical underwriting. It is important that you choose wisely during this time, as you would have to ‘qualify’ medically to choose a plan or change plans later.

If you have questions about any of this information or if we can help alleviate your concerns about this transition, please call us at 877.506.3378 or contact me at garrett@securemedicaresolutions.com.

Filed Under: Health care reform, Medicare insurance news, Medicare News, Secure Medicare Solutions · Tagged: advantage plan, alternatives to AON, alternatives to Extend Health, aon, AT&T, extend health, GE, general electric, Guaranteed Issue, how to sign up for medigap, losing my advantage plan, medicare, medigap comparison, supplement, supplemental

Medicare Annual Election Period is Almost Here

September 26, 2014 by Garrett Ball · Leave a Comment

We are approaching the annual election period for Medicare plans. This period runs from October 15-December 7 this year. Plan changes made during this period will take effect on 1/1/15 and will be in place for the following calendar year of 2015.

Contrary to popular misconception, this period has nothing to do with Medicare Supplement (Medigap) plans. It only applies to Medicare Part D and Medicare replacement plans like Medicare Advantage. If you have a Medigap plan, you do not have to do anything to renew your plan – it will continue automatically and is “guaranteed renewable”. This type of plan does not change annually like Medicare Advantage plans do.

However, if you do have a Medigap plan, it may be a good time to review your coverage to ensure that you have the plan that is most advantageous to you. Medigap plans are Federally-standardized, so every company provides the exact same coverage plans. It is highly likely, if you have had your plan for more than a year or two, that you are paying above market price for your Medigap premium. If you want to reevaluate your plan and compare it to what is available in your zip code, you can contact us here to get a comparison via email.

If you are on a Medigap plan with prescription drug coverage (Part D), it is also a good idea to reevaluate your Part D plan. Part D is offered on an annual contract, so these plans do change each year. Sometimes, the changes can be very significant. Also, many times, your prescription medication needs change, so it is a good idea to stay apprised of the options on Part D on an annual or bi-annual basis.

You can do this Part D comparison on Medicare’s website at http://medicare.gov. If you are one of our clients, please contact me directly as we provide this comparison as a free service for you.

If you have questions about this Medicare annual election period, please feel free to contact us at 877.506.3378 or online at Secure Medicare Solutions.

Filed Under: Medicare News, Medigap Plans, Part D · Tagged: Annual Election Period, compare part d, how to change medigap plans, medicare, Medicare Advantage, medigap, Open Enrollment, Part D, quotes, supplement, supplemental, when can i change medigap plans, when is medicare open enrollment

Medigap Pricing Methods – Attained-Age, Issue-Age and Community-Rated

June 25, 2014 by Garrett Ball · Leave a Comment

Medigap pricing methods can be categorized in one of three ways (as found on page 17 of the Choosing a Medigap policy booklet) – attained-age rated, issue-age rated, and community-rated. These differences are often discussed by insurance companies and agents, so it is important to understand what the terms mean, and more importantly, what they may mean to your Medigap rates in the future after you choose a plan.

Attained-age Medigap rates are based on your current age (i.e the age you have “attained”) and rates typically would go up as you get older based on your age or when you reach a birthday. Plans that are rated in this way will typically have lower rates initially when you sign up for a plan and will represent some savings (often significant savings) on the front end.

Issue-age Medigap rates are based on your age at the time that the policy is issued. Rates will be lower if you buy when you are younger. Premiums still go up over time, but it is just not based on your age. Instead, premium increases are based on inflation, claims experience and other factors.

Community-rated Medigap rates are based on the “community” (a certain geographic area) and are typically the same for everyone within that “community”, regardless of age. Just like issue-age rated plans, premiums still go up over time, just not based on your age. Instead, they go up for inflation and claims experience of everyone within that “community”.

So, what do Medigap pricing methods mean to you? First of all, a few facts about the different rating methodologies and things to keep in mind.

All Medigap rates are going to go up periodically. Most (regardless of Medigap pricing method) go up each year.
In some states, the vast majority of plans are attained-age rated, with only 1-2 exceptions to that.
In other states (for example, Georgia Medigap plans), the state restricts the companies to offer plans rates only with certain rating methodologies (i.e. no attained age in GA).
It is important to also consider the savings on attained-age plans. For example, if you can save $1000+ a year for the first 10 years of an attained-age plan, even if the rate eventually surpasses an issue-age plan, your already-pocketed savings on the front end are so significant, that may not matter.
Lastly, and most importantly, keep in mind that you can always change Medigap plans at any time and for any reason. In some states (for example: CA, OR, NY), this is a “guaranteed issue” right with no underwriting. In other states, you may have to answer general medical questions to be eligible to change. But in most cases, you can change plans to a lower-priced plan if your rate has gone up significantly.

Overall, it is advisable to have the assistance of an independent broker who can give you information about both current rates and typical future rates (i.e. history of rate stability) so you can make an informed choice on which company/plan is going to be best for you, both in the short term and into the future.

If you have questions about this information or Medigap pricing methods in general, you can contact us at 877.506.3378 or contact us online.

Filed Under: Medigap Plans · Tagged: attained-age rated, choosing a medigap plan, community rated, how to choose a medigap plan, issue-age rated, medicare, medigap, medigap plans, quotes, rating methods, supplement, supplements, which pricing method is best for medigap plans

Going on Medicare? The Turning 65 Checklist

April 9, 2014 by Garrett Ball · 2 Comments

Turning 65 and going on Medicare is one of, if not the, largest insurance transition that most people make in their lifetime. There is a bevy of information “out there” and in your mailbox, and it can all get a little overwhelming if you allow it to. This checklist is composed with that in mind.

Going on Medicare Part A

_____ If you are already receiving Social Security, you should receive your Medicare card 2-3 months in advance of the 1st day of the month of your 65th birthday. (If you are not receiving Social Security already, you should sign up for Medicare actively by going online to sign up for Medicare or by calling Social Security at 800.772.1213)

_____ Medicare Part A is automatic and premium-free if you have qualified for it by paying Medicare taxes while working (or if your spouse has).

Going on Medicare Part B

_____ Decide whether you want to enroll in Medicare Part B. Typically, this is based on whether you have insurance through an employer or former employer that would enable you to “delay” Part B.

_____ Do not turn down Medicare Part B unless you are planning to use employer-based insurance instead. There is a hefty penalty for signing up for Part B late (unless you have other creditable coverage).

_____ If you are receiving Social Security already and receive a Medicare card in advance of your 65th birthday, it should show that you are automatically signed up for Medicare Parts A & B. If this is the case, do nothing.

_____ If you are not receiving Social Security already but you want to be enrolled in Medicare Part B, you should sign up for Medicare actively by going online to sign up for Medicare or by calling Social Security at 800.772.1213.

Going on Medicare Secondary Insurance

_____ Understand the differences in Medicare Supplement plans (also called Medigap) and Medicare Advantage. This page may help: Medigap vs. Medicare Advantage.

_____ Compare plan options in an unbiased way. It is advantageous to use an independent agent or broker to assist with this. This does not cost you anything and can help with understanding the plan options.

_____ If choosing a Medigap plan, understand that the coverage, claim payments, and doctor acceptance are all standardized. The primary comparison factors are price and company reputation.

_____ If choosing a Medicare Advantage plan, understand any plan limitations and co-pay obligations, as well as checking to ensure your doctor will accept the plan/is in-network.

Going on Medicare Part D

_____ Decide whether you will take Medicare Part D, which is the part of Medicare that covers prescription drugs.

_____ If choosing not to take Medicare Part D when first eligible, understand the Medicare LEP (Late Enrollment Penalty) that applies to Medicare Part D. This applies if you do not have other creditable drug coverage and opt not to take Medicare Part D when first eligible.

_____ Compare Part D plans. This can be done very easily on Medicare’s website, http://medicare.gov.

_____ Choose a Part D plan that is low in overall annual costs based on your current medication needs, with the understanding that there is an annual election period, during which you can change Part D plans.

If you have questions about going on Medicare or would like a customized comparison of plan options, you can reach us at Secure Medicare Solutions or by calling 877.506.3378.

Filed Under: Medicare News, Medigap Plans · Tagged: comparison, going on medicare, how to compare medigap plans, how to sign up for medicare, medicare, medicare part a, medicare part b, Medicare Part D, medigap, supplement, supplemental, turning 65

Best Medicare Supplement Plan – The Right Plan For You

March 25, 2014 by Garrett Ball · Leave a Comment

The best Medicare Supplement plan is the one that is right for you. There is certainly a lot of information available regarding Medicare and Medicare Supplement plans. And, a great deal of it comes to your mailbox when you are turning 65 or going on Medicare. You may hear a company or a friend or family member tout one plan as the “best one”. While getting feedback from others can be useful, it is a good idea to be cautious when it comes to choosing a Medigap plan that is being advertised or touted as the best Medicare supplement plan.

Since Medicare Supplement plans are standardized, coverage is the same on all Medigap plans. Additionally, all plan pay claims the same way – through the Medicare “crossover” system. And lastly, you can use any Medicare Supplement plan at any doctor/hospital that takes Medicare – there are no networks. Because these three aspects of the plans are standardized, comparing the plans is a function primarily of the premium rates and the company rating/reputation.

The best Medicare supplement plan is, you could say, the one that has the lowest rates for your age, gender and zip code that is sold in your state. There are typically 30-40 companies that sell Medicare Supplement plans in each state. Not all of the companies that sell the plans offer all 10 of the standardized plans. Some only offer 3-4 of the plans. And, rates can vary widely, so it is crucial to find the best Medicare supplement plan for you by comparing the rates.

Some of the “big name” companies that sell plans in this market are: Blue Cross Blue Shield, Mutual of Omaha, Aetna, CIGNA, and Central States Indemnity. While not all of these companies offer plans in every state and not all of them are competitively priced in every state, they are all ‘A’ rated or higher (by AM Best) and are generally good options when it comes to finding the best Medicare Supplement plan for you.

The only way to get an unbiased and complete look at the Medigap rates for your area is to use an independent agent (broker), who can provide this information for you so that you can compare in a centralized and unbiased place. If you have any questions about this information or wish to get a comparison to find the best Medicare Supplement plan for you, you can contact us at 877.506.3378 or online at: Send me information on the best Medicare supplement plans for me.

Filed Under: Uncategorized · Tagged: best medicare plans, best medicare supplement plan, best medicare supplements of 2014, best medicare supplements of 2015, comparison, medicare, medicare supplement, medigap, plan, plans, quote, rates, supplement, supplemental, what is the best medicare supplement

Medigap Plans – The Three Most Common Mistakes People Make

March 24, 2014 by Garrett Ball · Leave a Comment

Medigap plans are plans that fill in the gaps in Medicare Parts A & B. The plans are Federally-standardized and the way they work is relatively straight-forward, especially as compared to other types of insurance. However, it is important to make wise decisions when it comes to choosing and having a Medigap plan. There are three potentially critical mistakes that we often see when it comes to Medigap insurance.

The first mistake, and this one is the most common, is neglecting to get a plan during your “open enrollment” period when you first turn 65 or go on Medicare for the first time. This mistake has its foundations in two common misconceptions – that you can get a plan any year during an annual open enrollment period or that you don’t have to “qualify” medically to get a plan. Both of these are inaccurate.First of all, your open enrollment is the 6 month period that coincides with when you sign up for Medicare Part B or turn 65. There is not an annual open enrollment period for Medigap plans, contrary to popular misconception. The annual open enrollment period that you hear referenced in advertising is the “annual election period” and it is for changing your Medicare Part D plan (or Medicare Advantage plan).The second misconception is that you do not have to qualify for a plan. I’ve heard many people say, especially since “Obamacare” passed, that they did not think that you had to qualify for insurance now. Unfortunately, that is not the case for supplemental types of insurance, like Medigap.So if you do not sign up for a plan when you are first eligible – many people think they are in good health now and will just wait until they “need” a plan – that can be a major mistake in regards to your future eligibility.
The second significant mistake that we see made as far as Medicare supplement insurance is the way Medigap plans are chosen. Many people do not take the time to understand the standardization of plans and simply choose a plan because they have heard of it, it sounds good or a neighbor or family member has it.The reality is that over 90% of people are happy with their Medigap plans. The plans are very easy to use – they are standardized, pay claims automatically through the Medicare “crossover” system, and often cover everything that Medicare does not cover (Plan F). So, what’s not to like?However, just because your friend or neighbor is “happy”, that doesn’t necessarily mean they have the best plan. In fact, if they’ve had it for more than a year or two, they are probably paying too much for it. Rates often change annually and they can vary widely (have seen them range from $90/month to $300/month for the EXACT same coverage). Insurance companies “bank” on people keeping the same plan with Medigap plans, because of the overwhelming satisfaction people have with how their plan pays claims. However, it pays to understand the standardization both initially and later when you wish to re-evaluate – this way, you can compare based on price and company reputation (the two factors that matter) and make a wise and informed choice.
The last of the three common mistakes people make with Medigap plans is the “set it and forget it” mistake, which is somewhat referenced in the paragraphs above. Medigap plans have rates that are consistently changing. There are new companies that enter the marketplace, market factors cause rate changes, and generally, rates just change over time and as you get older. The last thing you should do is make your one open enrollment decision and then never re-evaluate your plan and other options.
What we generally recommend is comparing plans every two years. This way, you can find out how your plan compares rate-wise to other, equivalent-coverage options. If you can save money on another “like” plan and are in relatively good health, you can simply change to the new plan with a future effective. Then, once approved, you can cancel your old plan effective that same date. Keeping an eye on your rate to ensure you are not paying to much is definitely a wise thing to do when it comes to Medigap plans.

If you have any questions about this information or anything else regarding Medigap plans, you can contact us online at Secure Medicare Solutions or call us at 877.506.3378.

Filed Under: Medigap Plans · Tagged: comparison, how to choose a medigap plan, how to compare medigap plans, insurance, medicare, medigap, medigap plans, mistakes people make with medigap plans, plan, plans, quote, supplement, supplemental

Signing Up for a Medigap Plan – Three Simple Steps

March 20, 2014 by Garrett Ball · Leave a Comment

Signing up for a Medigap plan can be a very easy, straight-forward process if you follow some simple steps to doing so. Fortunately, Medigap plans are much easier to understand and shop for than most other types of insurance. This is due the Federal standardization of plans – all companies must offer plans from the 10-plan standardized plans chart. See the chart here. There are three easy-to-follow steps for signing up for the right Medigap plan for you.

Understand the Plans

When signing up for a Medigap plan, first you should understand how Medigap plans work and what they cover. As mentioned above, the plans are completely Federally-standardized, so each company offers plans from the standardized plans chart. In other words, Plan F coverage with one company is the same as Plan F coverage with another.

Additionally, claims are processed through the Medicare “crossover” system with each company. So this part of the plans is standardized as well. There are no differences in how (or how quickly) the plans pay claims. Lastly, Medigap plans do not have networks – you can go to any doctor/hospital nationwide that takes Medicare, so there are no variances in this area either.

Because these three aspects are the same with all Medigap plans, signing up for a Medigap plan is easy to do because the primary variables you should be comparing are price and company rating/reputation.

Compare the Plans

Once you understand the standardization of Medigap plans, you can make a comparison of the plans available to you. Although the coverage is Federally-standardized, rates are determined by your zip code, as well as your age, gender, and in some cases, tobacco usage.

The easiest way to compare the rates on Medigap plans is using an independent broker/agent. Whether it is us or someone else, an independent agent can give you the rates to the plans available in your area so that you can make an informed, educate comparison of the options available to you.

We recommend getting the rates for the various plans, as well as some basic background on the companies, including how long they have offered Medigap plans, what their company rating is and any feedback on rate stability over time.

Although Plan F is the most common and comprehensive plan, it is not always the best choice, as other plans may have lower premiums and similar coverage. For example, Medigap Plan G is often a good option to consider.

Signing Up for a Medigap Plan

Once you have a thorough understanding of the plans and how they work and have the rate and rating information, you can make a wise and informed choice when signing up for a Medigap plan.

Some companies allow you to sign up directly through the insurance company or you can choose to use an independent agent/broker, which does not cost you anything to do (they are paid by the insurance companies themselves, so you are paying for them whether you use them or not). The advantage to having an agent is a more thorough comparison of the plan choices and the ability to compare in an unbiased way in the future if your needs change or your rate changes.

If you have questions about this process, wish to re-evaluate your current Medigap coverage or are turning 65, we can answer your questions. Contact us online or call us at 877.506.3378.

Filed Under: Medigap Plans · Tagged: comparison, how to sign up for a medigap plan, insurance, medicare, medigap, medigap plans, plan, quotes, rates, signing up for a medigap plan, supplement, supplemental

Medicare Supplement Plan G – A Simple Explanation of Why It Is a Good Deal

March 19, 2014 by Garrett Ball · Leave a Comment

Medigap Plan G can be a viable alternative to the most common Medigap plan, Plan F. While many people know about Medigap Plan F and its advantages, Plan G is often a better “deal” and is worth examining.

First of all, let’s look at how Medicare Supplement Plan G differs from Plan F. As you may or may not already know, Plan F is, in addition to being the most common Medigap plan, the most comprehensive plan. It pays everything that Medicare does not pay on Medicare-covered services and procedures. With Plan F, you have no out of pocket costs. Many people choose that route for the mere simplicity of not having out of pocket costs or receiving bills for medical care. However, the only difference in Plans G and F is the coverage of the Medicare Part B deductible, which Plan G does not cover. For 2014, that deductible is $147/year.

Since the deductible that Medicare Supplement Plan G does not cover is only $147/year, and that is the only difference in the two plans, it is easy to compare the two plans (F and G) on the basis of cost. The deductible amounts to a $12.25/month difference. So if the premium savings is greater than $12.25/month, then Medicare Supplement Plan G would represent an annual savings. With many companies, the premium difference is $15-25/month, which would result in an annual savings.

That is just the straight-forward dollar amount savings, but there are other advantages to ‘G’ that should be understood. First and foremost, Plan G is historically more rate-stable over time than Plan F is. The reason for this can be a little complex, but here is an explanation of it. Plan F is offered on a “guaranteed issue” basis in certain situations, such as losing employer coverage or losing Medicare Advantage coverage. In other words, if you have pre-existing conditions, you may be able to get a Plan F but not a Plan G if you fall into one of those “guaranteed issue” situations. Over time, this leads to the people on Plan F being (on average) less healthy than the people on Plan G. This leads to higher claims ratios on ‘F’ and larger rate increases.

In an example, a well-known, ‘A+’ rated insurance company recently had a rate increase in North Carolina of 8% on Plan F and 5% on Medicare Supplement Plan G. This mirrors similar results nationwide and symbolizes why ‘G’ can be a better choice. It represents, not only initial premium savings in many cases, but also greater long-term rate stability.

A further advantage of ‘G’ comes if you are comparing plans mid-year and are already on a Medicare Supplement plan. The Medicare Part B deductible does not reset if you change plans. It is tracked by Medicare on an annual basis. So if you have a Plan F and you have been to the doctor and met your deductible (your plan would have paid it if you have Plan F), and you decide to switch to a Medicare Supplement Plan G, you would not have to meet the deductible again. So the premium savings the rest of the year would be realized in net savings to you.

While many people do not take the time to understand the plans or the various options that are available on the different Medigap plans, it can definitely make sense to do so and result in money in your pocket. If you have questions about this or want to compare Medicare Supplement Plan G rates for your age and zip code, you can contact us online at Secure Medicare Solutions or call us at 877.506.3378.

Filed Under: Medigap Plans · Tagged: f, g, insurance, medicare, medigap, medigap plan g, plan, plan f, quote, supplement, supplemental

Secure Medicare Solutions Website Re-Launches

February 26, 2014 by Garrett Ball · Leave a Comment

After a complete overhaul, Secure Medicare Solutions’ web presence is re-launching today. The re-launched site sports a different design, different platform, and new, easy-to-understand information about Medicare. It is a resource for people shopping for Medicare Supplement insurance, trying to learn more about Medicare and Medigap or for people wanting to learn more about the Secure Medicare Solutions agency.

“The site is designed to be easy-to-use and informative,” said Garrett Ball, President of Secure Medicare Solutions. “Our focus has always been about educating people about Medicare and Medicare Supplements. We want this to be a one-stop shop for people who want to learn about the plans, compare them in a centralized place and make informed choices.”

The blog section of the site has also been re-designed and will be updated more frequently with information about Medigap plans and Medicare changes/information. Please bookmark and check back often for updates and information.

Secure Medicare Solutions, Inc. is an independent Medicare insurance agency. We are headquartered in North Carolina but we serve 40 states nationally and specialize specifically in Medicare and Medicare Supplement insurance (Medigap) and Medicare Part D. For more information about Medigap plans specifically, visit this page. If you want to get a comparison of the plans available for your area, visit our Medigap quotes page. You can always reach us by phone, toll-free, at 877.506.3378.

Filed Under: Medigap Plans, Secure Medicare Solutions · Tagged: insurance, medicare, medigap, plans, quote, quotes, rates, secure medicare solutions, securemedicaresolutions.com, supplement, supplemental, web site, website