Medicare Supplements
Medicare Supplements Plans
There are some things we would like you to consider.
We work for our senior clients, NOT for the insurance companies. This way, we can make sure you are getting the best possible value for your insurance premium.
As you can see in the Medicare & You Guidebook, all of the Medicare Supplement plans are identical regardless of the insurance company: Each plan pays the bills exactly the same way for the same amount, and are all accepted at every Medicare provider the same way.
The only difference? Sometimes, you might be paying $1,200 or more per year, depending on what is available in the marketplace.
At Wade Benefit Services, we bring you over 10 years of experience from working with many independent agents providing service that you need.
Medicare Advantage
Please watch this important video on Medicare Advantage:
Considering a Medicare Advantage Plan to save money?
Consider This: Most retirees are on a fixed income.
Life can be uncertain; your coverage doesn’t have to be.
Medicare Supplements vs. Most Medicare Advantage Plans:
Concerns of Seniors: |
MedicareSupplement |
MedicareAdvantage |
| Restrictive Network of doctors and hospitals |
NO |
YES |
| Co-Payments to Providers |
NO on Plan F or G.Up to $20 on Plan N at Doctor |
YES – Varying |
| Up to $6,700 yearly Out of Pocket Costs |
NO |
YES |
| Health Plan Decides What Test and Procedures Are Approved For You |
NO |
YES |
| Can Your Plan Be Cancelled? |
NOCannot be cancelled as long as premiums are paid |
YESPlans are approved yearly and can be dropped. |
| Ability to Travel the Country and Use Any Doctor or Hospital |
YES |
NO |
| Is Pre-Certification Required for some Treatments? |
NO |
YESPenalties apply if pre-cert not done. |
| MD Anderson Cancer Treatment Center Included? MAYO Clinic Included? |
YES |
NO |
What my clients have to say:
DO NOT CANCEL ANY HEALTH INSURANCE COVERAGE YOU CURRENTLY HAVE OR DECLINE COBRA BENEFITS UNTIL YOU RECEIVE AN APPROVAL LETTER AND INSURANCE POLICY (ALSO KNOWN AS AN INSURANCE CONTRACT OR CERTIFICATE) FROM THE INSURANCE COMPANY YOU SELECTED. MAKE SURE YOU UNDERSTAND AND AGREE WITH THE TERMS OF THE INSURANCE POLICY. PAY SPECIAL ATTENTION TO THE EFFECTIVE DATE, PREMIUM AMOUNT, BENEFITS, LIMITATIONS, AND EXCLUSIONS.
Your premium may be subject to change based on your medical history (pursuant to state law of residence), the underwriting practices of the insurance company and other relevant factors, such as changes in rates that take effect before your requested effective date. The insurance company always determines your actual premium.
Not connected with or endorsed by the U.S. Government or the federal Medicare program.
A licensed insurance agent/producer may contact you.
THESE PLANS HAVE ELIGIBILITY REQUIREMENTS, EXCLUSIONS, AND LIMITATIONS. FOR COSTS AND COMPLETE DETAILS (INCLUDING OUTLINES OF COVERAGE), BOOK A CALL WITH A LICENSED INSURANCE AGENT/PRODUCER BY CLICKING THE LINK ABOVE. OR CALL AT THE TOLL-FREE NUMBER SHOWN ON THE CONTACT US PAGE.