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Medigap is the general name of Medicare supplemental insurance plans. They are useful for those who want to make sure their medical bills will be 100% covered, should they ever need to use their Medicare health insurance. Medigap plans are widely available. Most insurance agents offer them, but in order to be able to buy one, you must already have a Medicare Parts A & B, due to the fact that they can’t be used as stand-alone insurance policies. There are 11 Medigap plans, lettered from A to N. They offer coverage for the remainder of 20% which is not covered by Medicare. They help people manage their finances after retirement, in the situation they get sick and need expensive medical care they couldn’t afford otherwise.
Finding the best Medigap insurance rates is a matter of research and of knowing what to look for when you send inquiries to insurance agents. You need to know that insurance companies are allowed to set their own premiums, therefore you can’t expect prices to be flat. There are several factors that affect the level of premiums, so you need to find those companies that favor your age group, your gender or your specific medical history.
You can try to search the web and send requests to all insurance companies you find. This would take you quite a while, but it is perfectly doable. There’s also another way, which works much faster: ask directly a broker to search the best Medigap insurance rates tailored especially for you. Brokers can find such information much faster because they are always connected to the news in their industry. As soon as a special offer becomes available, they will be among the first to know. An insurance broker usually cooperates with 30 or even more insurance companies. You can imagine how long it would take you to request offers from 30 companies. They can do it within a very short time.
Besides, you may not be aware of all available Medigap plans, so you can’t know which one suits you best. You would need to start your research from here and learn everything about all plans, then see which ones bring you the most benefits. An insurance broker can help you by explaining you all plans, without you having to gather information from various places. Starting from your medical situation, they can also recommend you the plans that would suit you best. Many insurance brokers provide this kind of consultancy for free and with no obligation from your side. You don’t have to buy anything if you don’t believe it’s the best option for you or if you believe you can’t afford it.
Justmedigap.com and Brian Gruss provides free counseling to people who want to know more about Medicare and Medigap programs and services. They will tell you everything you want to know, so that you can choose your Medigap plan wisely.