Underwriting is the process assessing risk of issuing insurance. Undewriters evaluate applications,
Medicare Supplement plans in New York are standardized. This means that regardless of the carrier you get your plan from, the benefits will be the same. The carriers, however, can charge different premiums for the exact same plan. This is why seniors in New York with Medigap insurance need to shop their premiums regularly to ensure that they are receiving the lowest rate available.
New York does not allow carriers to decline applicants based off of their health. This means that if you have a Medigap plan already, you should be able to change carriers to receive a lower rate at any time of the year. Medigap plans are preferred by seniors who want to maintain their rights to Original Medicare. These benefits include being able to see any doctor on the country-wide Medicare network, and an easy claims-paying process.
We know that it can be challenging to remember to shop your rates every year. GoMedigap has a special Rate Watch team, made up of agents dedicated to keeping your premiums low. Our team will call every year to see how you like your coverage and to look for lower rates. To learn more, you can get started by using our free quote tool below or call us at (866)894-3258.
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Medicare has many benefits. To learn more about services you can receive, read our blog post 10 Free Medicare Benefits You Should Be Using.
GoodRX is a helpful resource to those looking to save money on their prescriptions. GoodRX & Medicare: Get Prescription Discounts explains how the program works, and if it can help you.