Medicare Supplement Quotes
iHealthBrokers is Authorized to Offer AARP Branded Medicare Products. We are one of a select group of elite brokers who are trained concerning AARP members and the AARP community. For an AARP Supplement Quote, you must call us at (866) 260-9829 as AARP does not allow us to publish their rates online. For Supplement quotes from all other carriers, simply start by entering your zip code below and clicking “Get Supplement Quotes”.
If you are over the age of 65 or disabled under Social Security, you have several options available for Medicare supplement quotes. iHealthBrokers Medicare Advisors is a independent broker, working with all of the leading A Rated carriers in your area to help make sure you get the most competitive Medicare supplement quotes and ultimately enroll with the best plan.
Another choice is a Medicare Advantage plan (MAPD or Medicare Part C), which actually overlays Medicare itself and becomes your primary health plan. This plan will be very similar to a health plan that you would be able to get at work with low or no deductible and copays at the doctor. Full hospitalization coverage is offered as well as dental and vision coverage with some providers.
The big advantage of a Medicare Advantage plan is that the premium is subsidized by the Federal Government and the premium is very low, or non existent. There are also no health requirements to get the plan.
The big disadvantage is that MAPD plans usually have a limited coverage area, high annual out of pocket costs and limited in network providers. Additionally, the terms can change from year to year.
The other kind of Medicare policy is the true Medicare Supplement or Medigap policy, also known as Original Medicare. Medigap Plans are named in most states by letters A through N and coverage varies based on the plan letter.
People who purchase Medicare Advantage (MAPD) plans can change plans freely each year during Medicare open enrollment which is October 15th to December 7th of every year. People who turn 65 have an open enrollment period at that time for Medigap policies, but if they change insurance companies later, they will have to prove evidence of insurability.
When purchasing these plans, it is a good idea to work with a licensed insurance broker who works with several of the major insurance companies, as the rates vary from company to company. At the present time, health insurance coverage is not available through the Affordable Care Act for people over the age of 65, if they qualify for Medicare.