How to Shop for Medicare Supplements
If you’re currently shopping for a Medicare supplement you have certainly come to the right place. You’ll find a tremendous amount of resources on this website to help you through the process.
You can download “Medicare at a Glance” and “Choosing a Medigap Policy” from the Medicare supplement guides section to give you a very good understanding of how Medicare works and then how to choose the right Medicare supplement plan.
Once you understand how these plans work you can then access quotes from many of the top Medicare supplement companies in your area side-by-side. You’ll find rates from such companies as United of Omaha, Blue Cross Blue Shield, Mutual of Omaha, Gerber Life, Assured Life, Loyal American and many others. Unfortunately, AARP (UnitedHealthcare) does not allow us to show their rates on the website but you can obtain rates for their Medicare supplements and many more companies than shown on the website by calling 866-894-3258 and speaking with one of the knowledgeable and professional GoMedigap agents. You’ll receive expert advice and will never experience high pressure sales tactics. All of our agents have been trained to make recommendations as though you were a close friend or relative and are held to a very high standard of service.
Medicare Supplements Are Standardized
At a high level, you can feel comfortable that once you understand how Medicare supplements work that you can determine which particular plan you like and then shop rates from the various companies offering these plans. You want to go with the best rate for you chosen plan and just ensure they are a financially sound and reputable company.
You might be surprised to find that AARP (UnitedHealthcare) and Blue Cross Blue Shield and Mutual of Omaha do not always have the best rates – even though they are the biggest sellers of Medicare supplements in the country.
Medicare supplements are standardized in the following areas:
1) Coverage - Medicare supplements are standardized and are designated by plan letters. A particular plan from each company will have the same benefits. For an example, if you choose a Medicare supplement plan F it will have the exact same benefits whether you buy from AARP or Blue Cross Blue Shield or any other company.
Here’s a chart showing the benefits of each plan letter:
2) Doctor’s Network – Medicare supplements do not have PPO or HMO networks. Your network is the Medicare network of doctors. This is because the plan is only a supplemental plan to network.
3) Claims Paying – all companies will pay claims in the same way and are governed by mandates and processes.
So, once you decide on a plan and knowing that the benefits will be the same, the doctor's network will be the same, and they all pay claims in the same way, you can really just compare Medicare supplement quotes from different companies right here on the website and choose the company offering the best rate. We only work with the most reputable and financially sound Medicare supplement providers. If you don't see a company you would like to compare (AARP for example) on the website just call (866) 894-3258 and speak with one of our agents. We have many more companies we can quote via phone than we can on the website.