Dec 052014
 

Dont panic if you have AflacI just received a call from a very nice “young” lady out of Georgia.  I had previously sent her quotes and we were discussing how plan G would, in her case, save her a few dollars if she did not mind paying the Medicare Part B deductible out of pocket. She told me she was very upset when she went to the Aflac website to renew the Medicare supplement insurance plan purchased for her husband and read that Aflac was no longer selling Medicare Supplements.  She said that because they were terminating her plan that she had until the end of the week to buy a new Medigap plan.  This was news to me.

I had sold several Aflac plans and knew that Aflac was no longer selling new Medicare supplement plans, but had heard nothing about them not renewing old ones.  I asked and she said that they had not sent her a termination letter.  So I told her to let me call her back in a few minutes.  After a quick called Aflac confirming that they were not termination all their Medicare supplement plans I called the Georgia lady back and let her know that she did not need to purchase a new plan and that her husband was good to go.  Of course I would have helped her find a new plan if they really wanted one, but it was clear that they were only shopping under duress.  As I hung of the phone I heard the lady in that background say “thank God”.

Dealing with insurance can be a pain.  It is something that you are very glad you have when you need it, but hope you never need, and not one of the more pleasurable things in life to purchase.  The purchase process can be made a lot worse by predatory agents who will push products you don’t need or want.

So for anyone out there that has an Aflac Medicare supplement plan don’t panic.  They are not dropping all their customers.  A Medigap plan is guaranteed renewable so in every case where a Medicare supplement plan is going to be dropped or terminated you should have a letter or notice of some kind.  This will give you guaranteed issue rights to buy a new Medigap ploicy.  For more information on this check out section three of the governments guide to choosing a Medigap Policy.

May 142014
 

Yes you read that right.  The rate for South Carolina Medicare Supplement Plan G went down under Mutual of Omaha.  And that is by 8% – something you can shake a stick at!  So if you live in South Carolina and are shopping around for a Medigap plan be sure to get quotes from an independent insurance agent.  This way you can compare quotes and find the best priced plan in your neck of the woods.

Mutual of Omaha had this to say about their South Carolina Medigap Plan G price reduction.

You need a low-priced Med supp. You got it.
Our long-term pricing strategy is once again keeping rates low for your current and future clients

Lightning Hot Plan G is the Way to Go

  • Plan G rates are among the lowest statewide with or without our 7% household discount.

When comparing Plans F and G, in most cases, you have to ask: “Why would you pay more for a $147 benefit?”

More Savings

  • 7% household discount

No policy fee

 

Request quotes today and see if Mutual of Omaha has the best deal for you.

Mar 062014
 

An estimated 24,000 Georgia Medicare Supplemental Insurance holders will soon receive a refund check from Blue Cross Blue Shield.  BCBS of Georgia released a statement to day that they will be sending a refund to those with up to date plans as of 1 Jan 2013 and had a rate increase that same month.  The estimate refund should be around $14 per policy.  The check are scheduled to be mailed out 11 March 2014.  If you think you qualify and have not received your refund or have questions you can contact Blue Crosses Medicare Program Services at 1(800)633-4368.

Georgia Medicare Supplemental Insurance is of course an important part of many seniors health and financial protection.  If you are considering purchasing a Medigap plan make sure you request quotes and compare prices.  There is surprisingly a large spread in prices for esentally the same insurance.  See if Blue Cross Blue Shield of Georgia has the best price in your area or another insurance company.  Request quotes today.

For more information on Medicare Supplement insurance click here

To go to the BCBS post bout the refund click here

Blue Cross and Blue Shield of Georgia is the trade name in Georgia of Anthem Blue Cross and Blue Shield.  Anthem states that it is dedicated to delivering better care to our members, providing greater value to our customers and helping improve the health of our communities.  Anthem is a valued insurance provider in many states across the country.

Jan 172014
 

social-security-logo 200x200Starting February 2014 the Social Security Offices will no longer provide their patrons printouts for the purpose of benefits verification in office.  To obtain the needed Social Security benefits verification letter  clients will have to register for an online Social Security account or call 1(800) 772-1213 and request the letter through snail mail.

 

Turning 65 and need a Medicare Supplement insurance plan or already have a Medigap plan and want to compare current rates?   Visit http://medicare-supplement.biz and request quotes today. Licensed in Georgia, North Carolina, South Carolina, Tennessee, Texas and many more.

Aug 012013
 

This post does not have anything to do with Medicare Supplemental Insurance but is just fun to share.  Hopefully others will become aware of the Locks of Love and donate if able.  After having had my head shaved pretty much my entire life, I thought it would be an interesting experience to grow my hair out and then donate it to the Locks of Love.  So after retiring from the Army I went three years without a haircut.  I was able to donate 18 inches of hair and save an estimated $800 to $900 on haircuts.

Locks-of-Love and Medigap

Locks of Love is a public non-profit organization that provides hairpieces to financially disadvantaged children suffering from long-term medical hair loss.   If you would like to donate your hair to the Locks of Love visit www.locksoflove.org for more information.  Locks of Love is not affiliated with nor does it indorse Centaur Medicare Solutions or any of its Medicare supplemental insurance websites.

If you are interested in learning more about Medigap  or receiving Medicare supplemental insurance quotes please visit http://medicare-supplement.biz For more on Joel Moyer the owner of Centaur Medicare Solutions LLC.  Visit our about page

Jun 242013
 

Central States Indemnity Medicare supplemental insurance gets the rating of A+ from the independent AM Best.  Central States new rating is effective as of June 14th 2013.  For those who compare the financial strength of the Medicare Supplemental insurance companies when shopping for a Medigap plan this may push you towards purchasing a CSI Medicare supplement.  Central States is a Berkshire Hathaway Company and well know in the Medicare Supplement insurance industry.  Enter your zip code and request quotes today to see who has the best rate in your area.  Maybe a Central States Medicare supplement plan is the right plan for you.

Jun 052013
 

Mutual of Omaha Medicare supplemental insurance rates to adjust in July.  South Carolina Medicare supplement plan A and Plan F will see a 9% increase on new and in-force Omaha Insurance Company Medigap plans.  Their South Carolina Medigap plan G will see a 5% increase.

Mutual of Omaha does offer a 7% household discount and there is no policy fee when you apply.  Those who decide to purchase a Mutual of Omaha Medicare supplement will enjoy their personal service and fast, reliable claims payments from a financially strong, stable and secure company.  Click here for more on Mutual of Omaha Medicare Supplemental insurance.

Please request quotes to see which Medicare supplemental insurance company has the best prices in your area.

Jun 032013
 

Getting Medicare supplemental insurance through Aflac just got a little easier.  Aflac pushed an email out today to it agents to let them know that they have combined some forms to make the Aflac Medicare Supplement application shorter.  Aflac is a great company and our customers who have purchased an Aflac Medicare supplement have had no complaints.  So if you are in the market for Medicare supplemental insurance and want to see if an Aflac Medigap plan is the right plan for you, request quotes by filling out our request form.  One of our agents will send you quotes for all the top insurance companies in your area.  If Aflac is supporting your area they will be included.  For more on Medicare supplemental insurance please visit our home page.

Jun 032013
 

Seniors contemplating the purchase of a Medicare supplement plan often raise the question pre-existing conditions. Here are some basic facts concerning Medigap coverage of pre-existing conditions.

First let’s define a pre-existing condition. A pre-existing condition is simply a health problem that a person has before their Medicare supplement plan starts.

When a person first purchases a Medigap plan the Medicare supplemental insurance company can refuse to cover pre-existing conditions for up to six months if that person did not previous have credible coverage. Furthermore more, the pre-existing conditions must have been diagnosed or treated during the six months before the policy started.

A person can use creditable coverage to shorten or eliminate any waiting for pre-existing coverage. The time a person has creditable coverage will be subtracted from the waiting period. The time counted as creditable coverage only counts from the last break in continuous coverage that is less than 64 days.

Creditable coverage is any health coverage to include:

  • A health insurance plan
  • Employee group health plan
  • Medicare Part A or Medicare Part B
  • Medicaid
  • A state health benefits risk pool
  • A Federal Employees Health Benefit Plan
  • A health plan under the Peace Corps
  • Health care program for military dependents and retirees

An example of Medicare supplement creditable coverage
Johnny is 65 and has XYZ disease. His Medicare Part A and Part B started 1 May 2013. Before 1 May Johnny had no health insurance coverage. In July of 2013 Johnny decides to purchase a Medicare supplemental insurance plan. His Medicare supplement insurance company does not have to cover his XYZ disease treatments for six months (the pre-existing condition waiting period). But, because Johnny had Medicare Part A and Part B from 1 May to July the insurance company must use his two months of coverage by Medicare as creditable coverage and shorten the six-month waiting period. Now his waiting period will only be four months instead of six months. During these four months Johnny will have to pay any medical costs not covered by Medicare Part A and Part B for any treatments concerning his XYZ disease.

Reference: http://www.medicare.gov/medigap/prex.asp

Joel Moyer
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