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SelectQuote Senior Review

Tuesday, October 19th

2021 Medicare Supplement Plan Reviews

SelectQuote Senior Review 3.5 Star Rating

SelectQuote Senior

3.5 Star Rating

SelectQuote Senior is one of several brokers that refers prospective clients to various insurance companies for Medicare Supplement Plans. You'll get quotes for 20+ different providers through this service, depending on which companies are issuing policies where you live. Those companies may include Aetna, Cigna, Anthem and Humana; all insurers with whom they partner are at least A- rated. The business itself has an "A+" rating and accreditation from the BBB, which means that in the company's 36 years in operation, they've done a good job of treating their clients fairly and honestly.

Online questions

You'll need to answer a series of questions online in order to look at plans through SelectQuote. These questions include:

  • Are you currently enrolled in Medicare?
  • Are you getting ready to turn 65, just retired or close to it, approaching Medicare eligibility due to disability, or have you recently moved to a new address?
  • Do you want prescription drug coverage?
  • Do you want vision/dental coverage through Medicare?
  • What's your gender and date of birth? (optional)

From there, you are asked for your zip code, state, first and last name, phone number and email address. Notice that there's a checkbox for you to indicate if you'd like a free copy of "Health Matters: A Guide to Your Medicare Options". It's automatically checked, so be sure to uncheck it if you'd rather not get the guide.

Information sharing

Many providers of Medicare Supplement Plans state in their fine print that you're consenting to receiving lots of calls, texts, or (e)mail when you give them your contact info. SelectQuote Senior only lists three partners that will have permission to contact you, and they specify that you can call their toll-free number directly (855-356-4854) if you'd like to speak with them before providing that kind of information.

Best Medicare Supplement Plans

Get a call in 15 minutes

Let's say you go ahead and enter your information. What happens next? If it's during regular business hours, you'll get a call within 15 minutes; otherwise, they'll reach out to you the next business day. You may also get some preliminary quotes if you scroll down; we were given options from AARP Medicare Advantage, Medigap, FirstQuoteMedicare, and several others. Unfortunately, clicking to see our rates just redirected us to those companies' sites - where we had to start the process of entering our information and getting quotes all over again.

Quick initial quote

We reached out via SelectQuote's toll-free number (855-318-0531) to get a more accurate idea of the rates for our selected profile: a woman from Wisconsin that just turned 65, no tobacco use, and who was looking for the equivalent of a Plan G. We only had to give the agent our name and zip code to get a quote: no personal details required. After eight minutes on hold (listening to an annoying pinging sound like radar on a submarine!), we were then connected to "an office in our area".

30 minutes later, a transfer to another agent

After apologizing for the inexplicably long wait, the representative took some basic details like name, state and birthdate. It also took quite a while for his computer to load any quotes, which may have been due to his working from home. We were then transferred to a second agent after another long hold because his computer wasn't loading quotes for anyone living in WI. At this point, we had already spent 30 minutes on the phone and hadn't even gotten close to a quote yet. The rep was very apologetic.

Never heard that before

...and then the call got dropped when the first agent passed us to the second one. Fortunately, the second rep called us back, and we were able to get a quote. She too gave us an initial Plan G quote from Aetna, but when we asked her if she was referring to the Aetna Base plus riders to make the Wisconsin coverage equivalent to the Plan G in other states, she said she had never heard that before - and had actually never sold a Plan G supplement in WI.

Got the quote... finally

Her research showed that the premium, including the necessary riders, would be $137.00 for that Aetna plan, and in her system it was called a Part G Equivalent. There was an additional rider to cover travel emergencies in foreign countries, and that would bring the total to $153.50 per month. Both of those have that same $198 annual deductible.

Ongoing relationship

What happens after the coverage has been selected and the premiums have been paid? SelectQuote Senior will keep in touch on an annual basis, and may touch base throughout the year to see how things are going. They will also reach out to their clients if they get wind of any changes and see if a switch in providers or plans might be a good option to consider. We appreciate that kind of service; not every Medicare Supplement Plan broker offers it.

Almost an hour to get our quotes

While it might have just been a temporary technical issue on their end, it's worth noting that the entire process of getting a quote through SelectQuote Senior took the better part of an hour. We found comments from other customers who had the same experience with dropped calls and transfers that went nowhere - over six months prior to our calls to SelectQuote Senior.

Still some strong positives

You might be wondering, then, why this service still gets a relatively high ranking. We can't overlook the company's overall reputation for quality, shown by their BBB rating and thousands of 4-and 5-star ratings from happy clients on independently-verified sites. We appreciate the service they offer after the policy has been selected, and that all of the partner insurers they use have been vetted as reputable options.

Worth consideration

If you can get past the technical glitches - and you have the patience for what might turn out to be a long phone call - we recommend that you take a look at what SelectQuote Senior can offer you with respect to Medicare Supplement Plans.

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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