Tag: medicare supplement
Cigna Plan G Medicare Supplement – Rate Decrease
Cigna Plan G Medicare Supplement will be issuing a rate decrease in several states on May 1 of 2016. Plan G has become a top selling Medigap policy in recent years. Plan G is very similar to Plan F, but Plan G has a $166 Part B deductible. The deductible is a calendar year deductible so only paid once a year. With the rising cost of Medicare Part B to $122 a month, many Americans are looking for ways to save money on their Medicare Supplement.
Cigna Plan G Premium Reduction Includes the following States
At this time only select states will see the premium reduction for Plan G. Other states may be subject to lower rates later this year. Starting May 2016 the following states will see the reduction listed below. The rate decreases only apply to preferred and standard rate classes.
- 18% Reduction in premium: Arkansas, Louisiana, and Tennessee
- 16% Reduction in premium: Iowa (begins April 2016)
- 15% Reduction in premium: Nebraska
- 11% Reduction in premium: Wyoming
- 10% Reduction in premium: Nevada and West Virginia
Cigna Plan G Supplemental Insurance Benefits
Cigna Plan G benefits include all the benefits of Plan F, except Plan G has a $166 Part B deductible. The plan has common features like:
Cigna Plan G Hospital Part A Benefits
- Coverage for Part A deductible and coinsurance
- Coverage for Part B coinsurance
- Plan pays Medicare co-payment/coinsurance for Hospice
- Per the Medicare guidelines pays daily co-insurance for Skilled Nursing Facility Care
- Pays for first 3 pints of blood per a calendar year
Cigna Plan G Hospital Part B Benefits
- Part B co-insurance after you pay deductible of $166
- Coverage for Excess Benefits
- Coverage for Blood
- Coverage for foreign travel when medically necessary
Cost of Cigna Medicare Supplement Plan G
Cigna Medicare Supplement Plan G cost can vary from state to state and region to region. Some areas like Nevada, Pennsylvania, and Virginia it is already a fast selling plan. To check the new rates simply get a quote through this site.
Also, in some states Cigna offer discounts to couples who enroll together. This added benefit can be explained through a Medicare insurance agent. Cigna Medicare agents can review the plan details with you and answer questions you may have on your transition to Cigna. If you currently have a supplemental policy, you may be able to switch to Cigna Medicare provided you meet the underwriting criteria. If you currently have a medicare advantage plan you would have to keep your advantage plan through the end of the year. However, at the end of the year you would be able to leave your Medicare advantage plan and get a Cigna Supplemental plan provided you meet the underwriting criteria. Lastly, if you are new to Medicare, and have both Medicare Parts A and B, you most likely can enroll in Cigna coverage without underwriting.
Cigna Plan G Medicare Supplement – More Information
Through this site you can contact us and speak with a live licensed agent who can inform you of not only Cigna’s plans but also numerous other companies that may offer even more affordable plans in your area. Cigna News is another place where you can learn about Cigna’s growth in the healthcare industry and receive information on its merger with Anthem Blue Cross Blue Shield.
Aetna Supplemental Health Insurance Plans
Aetna is ranked one of the country’s top insurance companies in the US. Aetna supplemental health insurance plans offer customers a variety of benefits, including Medicare Supplement Plan F, Plan G, and Plan N. These three Medicare Plans are some of the best selling plans in the country. Aetna is especially committed to providing our nation’s Medicare recipients with complete and first-rate coverage, so members can achieve optimal health and receive care from all Medicare doctors and facilities across the country.
Learn More about Aetna Supplemental Health Insurance Plans
Because of the increasing out-of-pocket expenses associated with Medicare, Medigap, which is a Medicare Supplement insurance, has become a crucial component of health care coverage for the Medicare eligible population. In most states, Aetna provides this service to adults 65 years and older. Depending on plan selection. The coverage can conveniently eliminate or reduce deductibles, copay’s and coinsurance, which have risen over the past few years.
We have other pages on this website where consumers can find a comprehensive guide detailing exactly what a Medicare Supplement policy is, what it covers and how to purchase Medicare Supplement insurance.
Hot Tip: Aetna Supplemental Plans are one of the fastest growing segments of Aetna Insurance Company.
Aside from supplemental coverage, Aetna also offers its customers an array of complementary products with a personalized customer service approach.
Aetna Final Expense Whole Life Insurance
Dealing with the death of loved one is difficult. Aetna’s Final Expense Insurance allows a family to grieve the loss of a loved one, rather than focusing on funeral costs. This coverage provides many levels of life insurance coverage for all funeral associated expenses, and rates do not increase throughout the life of the policy. These policies have a simplified underwriting and often can be approved very quickly.
Aetna Protection Series
This series offers three types of policies:
- Cancer and Heart Attack or Stroke
- Hospital Indemnity Insurance
- Recovery Care Insurance
Heart attacks and cancer are the first and second leading causes of death in The United States. A stroke can happen to a healthy individual at any age. It is crucial, therefore, to protect oneself from these relevant diseases. This coverage is important because it protects the consumer’s financial assets if he/she were to acquire one of these diseases.
Hospital Indemnity Insurance offers a variety of benefits for anyone who may be admitted and/or confined to a hospital for any reason. It would cover any additional expenses as a result of the hospital stay, and benefits are paid directly to the insured.
Recovery Care Insurance is available for customers aged 50 to 89. This provides monies that can be applied to any nursing home residence or assisted living facility expenditures.
If you are interest in Aetna supplemental health insurance plans, please request a quote.
Aetna Home Care Insurance
Aetna also offers another important product for consumers who may be in need of care at their home. Ranging from physical therapy to a qualified health aide, this policy provides any service a client may need while remaining in the comfort of their home. Learn more about Aetna today.
Medicare Supplement Agents
Medicare insurance plans from QuoteFinder.Org are not offered by any Medicare Supplement Agent. We pride ourselves on only working with Authorized to Offer agents. This type of independent agent is required to be certified by all Medicare insurance companies. This level of certification allows for the consumer to work with one agent and all companies. The consumer can work with one agent and that single agent can answer all questions. This level of customer support is rare to find in our country. Best of all our services are free as we are paid through the insurance companies. All rates are set by law, so the rates you see are the lowest possible rates.
To offer Insurance plans through this site, independent Medicare Supplement Agents must:
- Be licensed in each state her or she conducts business
- Be certified to sell each plan being offered
- The agent must have at least 4 years experience in the Medicare Insurance industry
- The agent must annually complete required insurance product training for each company
- The agent must have a strong renewable book of satisfied Medicare clients
- Have zero complaints with CMS
What you can expect from a Medicare Supplement Agent:
- You can expect professional guidance from an informed agent
- Recommendation of only quality products that coincide with your needs
- A friendly down to Earth attitude and an easy person to talk with
An Authorized to Offer agent can provide personalized service and assist you in finding solutions to fit your Medicare needs. This site gives consumers access to a REAL person to discuss questions and concerns. Obtaining the correct Medicare supplement plan is very important. Agents are trained to help you understand how specific plans may address your unique needs. If everyone works together and both parties listen carefully and asks questions, everyone will wins.
A true Medicare Supplement Agent will be your guide for years to come. Many of our agents are now on a second generation of clients. We have many 90+ year old clients who still come to us when they have questions. Contact us if you are looking for a FREE Medicare supplement agent.
Who Can Enroll In Medicare Supplement Policy
When US citizens turn age 65, they have the option to enroll in Medicare and a Medicare Supplement Policy. Some people are able to apply before age 65 if they are disabled. Traditional Medicare includes Part A and Part B. Part A provides some hospital coverage. Part B provides some doctor visits and outpatient coverage. While Medicare is an excellent foundation to a health plan, most Americans find great value in adding some type of Medigap coverage to supplement their basic Medicare. With the increasing expense of hospital care and outpatient treatments, many hard working Americans want to not only protect their assets, but also secure quality coverage. The good news is there are hundreds of private plans designed to help provide coverage where Medicare does not.
When can I Enroll in a Medicare Supplement Policy?
There are three key times to purchase a Medicare supplement product. During these times it is unlikely to be required to answer any health questions. Essentially, the insurance companies do not review your overall health. This is a huge benefit to most enrollees.
- Within 6 months of turning 65
- Within 6 months of receiving Part B coverage
- Prior to losing your group health insurance plan
If these times apply to you, please contact us now, so we can provide a clear overview of your Initial Enrollment Period and get you headed in the right direction.
If none of the three times listed above apply to you, you still may be eligible to purchase a Medicare supplement policy or to change policies.
For example, if you purchased your policy in the past and it is not the policy you intended, then you still may be able to enroll in a different policy. Depending on your situation you may or may not have to answer health questions and go through the underwriting process. If this applies to you, it is imperative to speak with our staff sooner than later. We possess detailed knowledge of the underwriting process and can shed light on expected outcomes and add insight on the insurance companies that may be more welcoming to applicants with preexisting health conditions.
What is the Best Medicare Supplement?
There is not necessarily a best Medicare supplement policy available today, but there certainly is a best practice to purchasing a Medicare product, which we implement with all our clients. After a decade of offering policies our reviews have proven that our clients are most satisfied with their Medicare coverage when a few things happen through the enrollment process.
Key Points to Obtaining the Best Medicare Supplement
First, we try our best to begin by working with Medicare beneficiaries 2 to 4 months in advance of their Medicare Part A and Medicare Part B effective date. This allows us the time needed to educate, assess one’s health needs, and help beneficiaries make a well-informed plan selection leaving ample time to enroll and receive plan materials prior to one’s effective date. We normally have between 3 – 5 calls with all our clients.
Second, we urge our clients not to shop around too much. Our organization has found that some people will spend all day, all week, or even all month talking to numerous agents and organizations about Medicare. In our experience this complicates the process. Essentially, it is information overload. As authorized independent agents we can shop everything for you.
Our surveys also found similar results regarding all the junk mail that arrives as one approaches their 65th birthday. Many Americans get a stack of mailers three feet high. Our clients who threw it all away scored more satisfied than the clients who sifted through it. While some of the advertisements may be products that fit your needs, a majority of them will simply not be a good fit. Talking with an expert sooner than later, allows you to spend your time studying the products that are a potentially good fit. For example, suppose you live in Ohio and winter in Florida. Right away this simple fact eliminates several policies as viable options for quality coverage.
Lastly, it is important to genuinely want to build a friendship with our staff. At this point our organization does very little advertising as we mostly work through referral business. The referral business learns from the referee that we are here for the long run and at age 65, 75, 85 or older, you or your caretakers will have questions about your coverage. We take great pride in accountability and friendship. Some of our proudest moments are when an adult child calls us to learn about their parents’ coverage. We review it with them and explain why their parent chose the plan they did and how the benefits work. The peace of mind we provide a family during a time of need is of incredible value to our clients and to our profession. We want to do the best job possible for our clients, and we want them to feel the value in what we do.