Supplement Carriers

Standardized

These plans don't change from year to year. Your plan G will be the same coverage for life. Your Plan N will be the same coverage for life. A plan G is the same Plan G with carrier X as it is with carrier Y or Z. The only difference is the company you get it through and the rate you pay for it. 

Choose your doctors

 No network restrictions, freedom to go to any doctor or hospital that accepts Traditional Medicare. 97% of providers in the United States take traditional medicare

No Referrals

See a specialist doctor without needing to get a referral from your primary care doctor 

No Pre Authorization

No prior authorization is required to get needed medical services approved by an insurance company

As long as your primary care doctor says you need it, the service will get approved by medicare 

Predictable

 No unexpected out-of-pocket medical expenses throughout the year. Pay the additional monthly premium and have peace of mind. You and your doctor call the shots regarding your healthcare. An insurance company has no say as to what services get approved or what doctors you can see. If Medicare approves the service, your supplement insurance carrier is required to cover you

 What is a Medicare Supplement premium? It’s the monthly rate that you pay to the insurance company that provides your Medicare Supplement coverage. This premium is in addition to your Traditional Medicare Part B Premium. Find out what premium each insurance carrier will charge you. Are they offering a low premium? Is it a competitive rate with other insurance companies in your zip code?

Most companies will have an annual rate increase to keep up with medical inflation. What have the rate increases of the carrier been over the last 3-7 years? Are the rate increases reasonable or significantly higher than competitor carriers?

A number of rating agencies analyze the financial stability of insurance carriers. These companies give reports or grades on the fiscal health of the insurer. Ask your agent what the A.M. Best and Weiss Ratings are for each carrier. Then consider this information when making your selection.

Get a personalized analysis of which supplement insurance carrier offers the best pricing, financial rating, and rate history. 

The Insurance Companies National and State Loss Ratios. What % of premium have they paid back out in claims? The healthier/lower the carrier loss ratio the lower the rates should stay.