Our Services are 100% Free
Speak with a medicare specialist today | Call 444-444-4444
Our Services are 100% Free
Speak with a medicare specialist today | Call 444-444-4444
Our Services are 100% Free
Speak with a medicare specialist today | Call 444-444-4444
Our Services are 100% Free
Speak with a medicare specialist today | Call 444-444-4444
Medicare Part A (Hospital) covers 100% of your hospital bills for in-patient visits after the Part A deductible* ($1,676 in 2025) has been met. There are daily rates when you exceed a 60-day period.
*The Part A deductible is not an annual deductible; it applies to each 60-day benefit period.
Medicare Part B (Medical) covers 80% of your medical bills after the Part B annual deductible ($257 in 2025) has been met.
Most Medicare Supplement Plans cover 100% of the Part A deductible, and bills associated with hospitalization, skilled nursing facility care, blood, and hospice care, as well as the 20% of medical bills that Part B does not cover. Choosing a Medicare Supplement means that you are choosing “Original Medicare”, of which, 98% of Doctors and Hospitals participate.
With a Medicare Supplement Plan (typically Plan F, Plan G, or Plan N) you will pay a premium each month for your coverage, and your expenses beyond this premium will be minimal.
Medicare Supplement Plan details can be found here: Plan F coverage details (only available to those born in 1954 or earlier), Plan G coverage details, Plan N coverage details.
Medicare Supplement Plans are Federally regulated, and are therefore identical among all carriers. A Plan G is a Plan G, and a Plan F is a Plan F; coverage is identical, while premiums and underwriting guidelines are unique among carriers. Underwriting guidelines are used when moving between carriers for a lower rate, or when moving from an Advantage Plan to a Supplement Plan.
Our Services are 100% free; insurance carriers pay us so you don’t have to!
Senior Advisors can help to ensure that you have a clear understanding of the differences between each Medicare Supplement Plan, so you can select the plan that best suits your needs.
We are contracted with multiple reputable carriers, and can identify the lowest price for the plan of your choice, and we can ensure that discounts are applied as well.
For existing Medicare Cardholders, we can help you explore a lower rate for the Supplement Plan that you have today. We are familiar with the underwriting guidelines throughout each of the carriers, which can increase the likelihood of your approval for a lower rate. We help people reduce the rate of their Medicare Supplement Plans while retaining identical coverage, every day. If you can say no to these underwriting questions, you should reach out to explore a lower rate; this could be a great opportunity for savings, with no downside!
KEY TAKEAWAYS
Senior Advisors partners with multiple Insurance Carriers in order to offer the best coverage and pricing for our clients.
Medicare Supplement Plans and Medigap Plans are synonymous with each other; they are the same thing.
I wonder why they say Medicare can be confusing 😄
Currently (2025), the most common Medicare Supplement Plans available are the Plan F, Plan G, and Plan N.
Plan F is only available to those that were born in, or prior to 1954.
Plan G and Plan N are available to anyone 65 and older.
Each of these Plans are very similar, and pay nearly all of the gaps that Part A and Part B have. Plan F pays 100% of these gaps (including the Part B deductible), Plan G covers 100% outside of the Part B deductible, and the Plan N covers 100% outside of the Part B deductible, co-pays, and Part B excess charges.
Because of how similar each of these Plans are, all three offer wonderful coverage. Evaluating a cost comparison between your options will help you determine which plan you’re comfortable with.
Medicare Supplements are federally regulated, and are therefore identical among all insurance carriers.
It’s important to understand that your doctors are participating with Medicare, not your Medicare Supplement insurance carrier. Your doctor bills Medicare, Medicare pays their portion of the bill, and your Medicare Supplement Plan pays their portion of the bill, regardless of who your carrier is.
Medicare is not private insurance (what you’ve been accustomed to throughout your life); you don’t need to ask your doctor if they take Aetna, Cigna, United Healthcare, Blue Cross Blue Shield etc…, you simply need to ask if they take Medicare, and good news, 98% of providers do! 😎
While coverage is the same among all carriers, pricing is not.
Some insurance carriers include gym memberships as an add-on to the Medicare Supplement.
It’s important to understand that while Medicare Supplement Plans are guaranteed renewable (and don’t change), the gym memberships that carriers provide along with the Medicare Supplement are not. While you may be interested in paying more for a plan that includes a gym membership, the gym membership may be removed at a later time, and you may be stuck with your Medicare Supplement, unless you can pass medical underwriting.
Generally, the carriers that include gym memberships are more expensive that other carriers. We are happy to enroll you for the Plan of your preference, but for the reason shared above (gym membership can be taken away), we typically don’t recommend these plans.
Because Medicare Supplement plans are federally regulated, and are identical among all carriers, we generally recommend paying as low as possible for your Plan, with an A-rated carrier.
Remember, with Medicare, your doctor is participating with Medicare, NOT the insurance carrier.
We are contracted with multiple A-rated carriers so we can find the best pricing for our clients.
When you’re enrolling in a Medicare Supplement Plan within six months of your Part B effective date, you cannot be turned down for a Medigap Plan (guaranteed acceptance).
If you already have a Medicare Supplement Plan and you would like to change Plans (saving money is the common reason for this), you can change any time of year. Medical underwriting is required after your initial 6-month period; if you can say “no” to these questions, you’re a good candidate to pass underwriting.
Medical underwriting is a simple process. If you can say “no” to the underwriting questions, we submit your application with the new carrier, and they look into your medical history to determine their approval decision.
Yes, we can look to see if there are lower premiums available for your Medicare Supplement Plan.
If there are, we can submit your application for the lower premium any time of year.
Your application will need to go through medical underwriting (carrier researches your health history prior to approval). If you can say “no” to these questions, you’re a good candidate to pass medical underwriting.
If approved, your coverage would remain identical to what you have today (Plan F, Plan G, or Plan N).
Yes, Mayo Clinic takes Medicare.
When you have a Medicare Supplement Plan (with any insurance carrier), you are enrolled with Medicare.
Mayo Clinic does not accept Medicare Advantage Plans. When you are enrolled in a Medicare Advantage Plan, you have “opted out” of Medicare, for the private insurance that is offered by your Advantage Plan carrier. Some providers, like Mayo Clinic, do not accept any Medicare Advantage Plans.
You can change from an Advantage Plan to a Medigap Plan between October 15th and December 7th (to begin in January), or between January 1st and March 31st (to begin the month after enrollment).
Medical underwriting is typically required to move from an Advantage Plan to a Medicare Supplement. If you can say “no” to these underwriting questions, you are a good candidate to pass medical underwriting.
Medical Underwriting is NOT required when: