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Medicare Plans Review

Monday, August 2nd

2021 Medicare Supplement Plan Reviews

Medicare Plans Review 2.5 Star Rating

Medicare Plans

2.5 Star Rating

Medicare-Plans is a service of QuoteWizard Insurance, which is a division of well-known financial company LendingTree. At the time of our review, QuoteWizard's profile with the Better Business Bureau was being updated, so there was no way to see a rating or any customer complaints (if any exist). LendingTree enjoys an "A+" rating and accreditation with the BBB, however.

Get the ball rolling

If you've already shopped for Medicare Supplement Plans, you know the drill when using the Medicare-Plans site: enter your zip code, birth date, gender, indicate if you're already enrolled in Medicare Part A and/or B, and then your name and email address. On the final page, you're asked for your street address and phone number - and then there's the disclaimer that you're consenting to texts, calls, emails, and postal mail from their "marketing and remarketing network, and up to eight insurance companies or their affiliates". Worthy to note.

Re-enter your information, all over again

Once you've run that gauntlet, you'll be taken to several quotes that fit your situation. In our case, we received five providers: Anthem BlueCross BlueShield, MedicareInfo, AARP Medicare Advantage from United Healthcare, eHealth Medicare, and MedicarePlan. Clicking on any of the links that say "See Your Rate" just redirects you to the providers' websites - where you'll have to enter your information all over again to actually SEE your rate. That feels like a big waste of time.

Long wait time

How about calling their toll-free number (855-965-4468)? It took longer than usual to be connected with an agent, even early on a weekday afternoon, and the rep who took our call sounded like she was working from a home office (which isn't a negative, just worth noting compared with other services we contacted). We appreciated that other than our first name and zip code, we didn't have to provide any other personal information to get a quote.

Best Medicare Supplement Plans

We had to help

Initially she said that nothing was coming up as a Plan G for the profile we indicated. We had to explain to the agent that it would probably not be called by that name in WI and that other brokers had given us a quote for Base plans with riders to effectively give the same exact coverage as a Plan G. On her end, it sounded like she had to go into individual insurers' websites to get an exact quote, which she did by starting with Aetna.

Competitive quote, but different from the website

In the end, she came up with a quote of $115.12 plus Part B Excess Charge, Foreign Travel, Home Health Care riders for a total of $136.95 and the annual deductible of $198. This was comparable to other Aetna quotes we got from other brokers. However, it's worth noting that none of the quote process we received over the phone lined up with the Medicare-Plans website results: we were shown lots of options online, but nothing for Aetna, and almost the exact opposite when talking with the agent.

It's all up to you

What about once you've selected your Medicare Supplement Plan? According to our agent, all servicing is handled directly with Aetna - or whichever insurance company you choose. She suggested that customers check in with Medicare-Plans in the future to do price comparisons as rates may change. If you like a "don't call me, I'll call you" arrangement, that might be ideal. But, if you want a broker that will give you support once you've enrolled, or that will keep track of rates and other changes on your behalf, you won't find that with this service.

Underpeformed

When dealing with something as tricky as Medicare Supplement Plans, it's important to have a knowledgeable agent with a reputable company who can walk you through the process and quickly connect you with the right plan for your needs. Unfortunately, all of that didn't happen for us when getting a quote through Medicare-Plans. Plus, with a BBB listing in the process of being updated, this broker's reputation could go in either direction. Until we see a strong rating and improvements in their process, our lackluster experience with both the website and the quote over the phone keep this service from earning a higher rating.

Where Can You Find the Best Medicare Supplement Plans?

If you or a loved one is approaching the age of 65, or will be qualified for Medicare Parts A and B soon for another reason, it's the ideal time to start shopping around for supplemental coverage.

You are probably already aware that your Medicare insurance pays for most of your costs - but not all. That's why Medicare Supplement plans are often known as "Medigap": they close the distance between the 80% that's covered and the 20% that isn't, so that you have fewer or no out-of-pocket costs.

The Best Medicare Supplement Plans Compare Medicare Supplement Plans Compare Medicare Supplement Plan Reviews What are the best Medicare Supplement Plans Best Medicare Supplement Plan Reviews

Medicare Supplement Plan FAQ

Medicare Supplement Insurance is additional coverage beyond traditional Medicare. Also known as "Medigap" , these plans cover some or all of the expenses that aren't covered by your basic Medicare benefits.
Original Medicare only covers 80% of most medical expenses. The remaining 20% can get extremely costly, especially if you have a long hospitalization or a condition that requires specialized treatment. Medicare supplemental plans can ease the financial burden, kicking in where Medicare stops and reducing your out-of-pocket costs.
That depends entirely on the plan you select. Will you choose a high-deductible plan with lower premiums, or is it worth it to you to pay more in premiums to pay nothing when you have a medical expense? It also is heavily influenced by your particular situation: where you live, if you're a smoker, male vs. female, your age, and so forth. For Plan G coverage (the most popular of the Medicare supplemental plans), expect monthly premiums in the $110 - $160 range.
It can be confusing at first, partly because they're all identified by letter names (for example Plan A, Plan B, and so on) - and they're often mistaken for the similarly-named components of Medicare itself (Part A, Part C, and more). Again, the main differences relate to the trade-off between deductible amounts and premiums: pay more upfront to spend less later, or vice-versa. Plan benefits are standardized, however, so whether you choose a Plan M with one insurer or another, your coverage is the same.
While your coverage is the same regardless of which provider you use, premiums vary. It's a good idea to speak with a few companies, or with a broker that can give you quotes from several insurers to compare. Also, each company offers a different package of "extras" to complement your Medigap coverage. Some services will keep an eye on your premiums and let you know if you're going to experience a significant increase - and they'll even recommend a new insurer if they find one that's better suited to your needs.
Unfortunately, yes. Just like any other form or insurance (such as auto, medical, homeowner's), your Medicare supplement insurance premiums may change. Insurers may lock in your rate for a year or two, but you should be prepared for an increase in the future. There are a few providers who have a strong track record for keeping increases infrequent and small.
That depends. While some states require Medigap plans to be available for disabled individuals under the age of 65 (the age that standard Medicare eligibility starts), there's no corresponding federal law. And, many states that permit Medigap coverage for the disabled also have restrictions that don't apply for the 65-and-up plans. You should speak to a Medicare Supplement Plan advisor to learn about the options in your state of residence.
Not only is it legitimate, it's an important component of many seniors' healthcare benefits and financial planning. Of course, you should be careful to choose a reputable provider and work with an agent or referral service that takes the time to understand your needs and explain all of the available options. There's a limited window of opportunity to sign up for a Medigap plan without having to submit medical reports, so it is recommended that you begin doing your research well before your 65th birthday.
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Continued from above...

Medicare Supplement Plans are given letter names, so it can be easy to wind up confused. Plus, plans and their coverage are always changing. For example, Plan F was considered the go-to package, but it was discontinued for anyone starting coverage after January 1, 2020. Its replacement at the time, Plan G, offered similar benefits - fully covering that extra 20% and more - but added an annual deductible to the equation.

Another factor to keep in mind is the "guaranteed issue period". For the six months following your 65th birthday, you can get a Medicare Supplement Plan with no requirements beyond paying your premiums. By law, you can't be excluded for any health conditions, although your premiums will be higher if you're a smoker. But, once that grace period concludes, insurers can require more detailed information about your health conditions such as diabetes or heart conditions, and you can expect your premiums and available plans to change accordingly.

When buying a Medicare Supplement Plan, you have two basic routes: buy directly from an insurance company or go through a broker. Going to an insurance company you already trust can be an appealing option. You'll typically find the best rates for that particular insurer. On the other hand, using a broker often gives you access to not just your favorite insurance company but many others. So, with one process you can get the best rates from a number of providers at the same time - including that rate you got when you contacted the insurance company directly.

Whether you decide to use a broker or to buy directly from an insurance company, it's wise to do your research beforehand. The last thing you want is for an eager rep to steer you towards a plan that doesn't fit your needs, so take the time to browse several providers' websites before getting in touch. However, because Medicare rules state that all plans have to be sold in person or on the phone, you'll eventually have to speak with someone to finalize your Medicare Supplement Plan.

TopConsumerReviews.com has reviewed and ranked the best Medicare Supplement Plans available today. We hope our in-depth evaluations help you save time and money by giving you the information you need to choose the best provider and plan for your needs!

Compare Medicare Supplement Plans

Select any 2 Medicare Supplement Plans to compare them head to head

best-medicare-supplement-plans
  • United Medicare Advisors
  • Go Medigap
  • Aetna
  • SelectQuote Senior
  • Blue Cross Blue Shield
  • GoHealth
  • Humana
  • Medicare Plans
  • Cigna
  • Health IQ
  • HealthCare
United Medicare Advisors vs Go Medigap United Medicare Advisors vs Aetna United Medicare Advisors vs SelectQuote Senior United Medicare Advisors vs Blue Cross Blue Shield United Medicare Advisors vs GoHealth United Medicare Advisors vs Humana United Medicare Advisors vs Medicare Plans United Medicare Advisors vs Cigna United Medicare Advisors vs Health IQ United Medicare Advisors vs HealthCare Go Medigap vs Aetna Go Medigap vs SelectQuote Senior Go Medigap vs Blue Cross Blue Shield Go Medigap vs GoHealth Go Medigap vs Humana Go Medigap vs Medicare Plans Go Medigap vs Cigna Go Medigap vs Health IQ Go Medigap vs HealthCare Aetna vs SelectQuote Senior Aetna vs Blue Cross Blue Shield Aetna vs GoHealth Aetna vs Humana Aetna vs Medicare Plans Aetna vs Cigna Aetna vs Health IQ Aetna vs HealthCare SelectQuote Senior vs Blue Cross Blue Shield SelectQuote Senior vs GoHealth SelectQuote Senior vs Humana SelectQuote Senior vs Medicare Plans SelectQuote Senior vs Cigna SelectQuote Senior vs Health IQ SelectQuote Senior vs HealthCare Blue Cross Blue Shield vs GoHealth Blue Cross Blue Shield vs Humana Blue Cross Blue Shield vs Medicare Plans Blue Cross Blue Shield vs Cigna Blue Cross Blue Shield vs Health IQ Blue Cross Blue Shield vs HealthCare GoHealth vs Humana GoHealth vs Medicare Plans GoHealth vs Cigna GoHealth vs Health IQ GoHealth vs HealthCare Humana vs Medicare Plans Humana vs Cigna Humana vs Health IQ Humana vs HealthCare Medicare Plans vs Cigna Medicare Plans vs Health IQ Medicare Plans vs HealthCare Cigna vs Health IQ Cigna vs HealthCare Health IQ vs HealthCare
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