Medicare Savings Opportunities

About Medicare Savings Opportunities

Ensure that you aren’t overpaying for your Medicare coverage.

Too many people enroll in Medicare and never evaluate their coverage going forward. This can result in overpaying for coverage and medications. There can be significant savings opportunities; review the information below and schedule a call if you would like our help with evaluating savings opportunities.

People enrolled in Medicare will fall into one of the two categories below:

Original Medicare (Medicare Supplement and Part D Drug Card)

If the individual is healthy, they can explore a lower rate for the same Medicare Supplement Plan that they have today (any time of year). The lower rate would be approved based on the insurance carrier determining that the person is “low risk”, because of their current health. Medicare Supplement Plans (e.g. Plan N, Plan G, Plan F) are Federally regulated, and are therefore identical among all carriers. Senior Advisors can identify the lowest premiums among all A-rated carriers. Defining “healthy” begins with the ability to say “no” to the questions in this link.

There can be various discounts available simply for living with a spouse or roommate, or for having a spouse that is insured with the same insurance carrier. It’s not uncommon for our team to meet new clients that should have discounts applied, but do not.

Part D Drug coverage should be evaluated every year, between 10/15 and 12/7. The “best” drug plan is determined based on the medications someone takes, and the plans available for the following year. The best drug plan will help the individual acquire their medications at the lowest price possible.

Medicare Advantage Plan (Part C)

They should be evaluating their plan every year between 10/15 and 12/7 to identify the best coverage for the following year. Identifying the best Advantage Plan incorporates the individual’s preferred Doctors, Hospitals, and Drugs, against the plans that are available for the following year. If this exercise was overlooked between 10/15 and 12/7, the individual can also be enrolled between 1/1 and 3/31.

Reviews From Clients That Are Saving

Beth S.

Senior Advisors helped me to register for the best Medicare coverage for 2025 for a PREMIUM COST SAVINGS I couldn’t believe! I am SAVING $190/month for my Medicare Supplement and SAVING $35/per month for Medicare Part D. This is quality coverage! That’s a TOTAL SAVINGS of $225/month on insurance premiums!! Having that much more to spend on other necessities while on a fixed income makes a huge difference!! I will gladly use Senior Advisors again. I highly recommend them with no hesitations. Thanks sooo much!!!

Frances K.

I received professional, timely, and money-saving help when considering replacements for my supplemental insurance and drug plans. I highly recommend Senior Advisors for your Medicare needs.

Pat L.

Adam and Allison Lubenow are the nicest, sweetest, patient, kind and professional people I’ve ever had the pleasure to talk to.

They were easy to talk to, they were very genuine in their concern to help me get what I needed for coverage that was within my means and would cause me less anxiety.

They were very good listeners; they took whatever time that was necessary to answer questions that i may had. I love the fact they were willing to have me to call them, at any time, if I need more information or didn’t understand something.

They were an answer to my prayers, because i didn’t want to give up my “F” supplement plan and they were able get me coverage that would continue to keep me in the plan that i love.

The industry will be better if they had people like Adam and Allison.

Thanks Adam and Allison!!

Dave F.

Adam and Allison were able to work with us to get excellent health insurance at a considerable savings while keeping our coverages the same. Nice job!

Frank B.

Unsolicited, the staff reached out to me to let me know of an equivalent medical insurance plan that would save our family over $1100 per year! What diligence!

Martha R.

Thank you for your help in finding less expensive supplemental insurance. It was a pleasure to work with you!

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Common Questions about Changing Medicare Supplement Carriers

I don't want to risk my doctors not taking this coverage

Your current coverage is with Medicare, and your doctors are participating with Medicare, not a private carrier (Aetna, United Healthcare, Cigna…). Supplement coverage among all carriers is identical, and your doctor will continue to see you because you have Medicare, not private insurance. If approved, your coverage would be identical to what you have today.

What happens if my application is declined?

Nothing happens if your application is declined; your current coverage is not impacted in any way, and your current carrier is not informed that you’ve submitted for a lower premium.

If coverage is identical among all carriers, why/how can the pricing be different?

Carriers come to market with lower premiums for qualified individuals. Each carrier manages their business individually, and determines their own pricing.

Same exact coverage for my Medicare Supplement, at a lower price, what's the catch?

There is no catch, and there is no downside to pursuing this. The reason that you may be eligible for a lower premium is because the new carrier can chose whether or not to accept your application and issue you a policy. When we submit your application they will evaluate your medical history prior to approval. This is one of the reasons that the carrier can offer a lower premium (they are minimizing their risk).

Medical Underwriting? I don't recall this being required when I enrolled in my initial plan.

When enrolling in a Medicare Supplement Plan within 6 months of your Part B effective date, Medical Underwriting is not required.

My current carrier has been great with my claims, I've never had an issue.

Our clients have had these same results with all of the A-rated carriers that we’ve recommended and enrolled them with. If you receive a Medicare approved service, the carrier is federally required to pay their portion.

I've already paid my Part B deductible, will I need to pay this again if I get a new Medicare Supplement?

Changing Medicare Supplement Plans will not reset your Part B deductible, whether you have paid your Part B deductible, or your previous Plan F Medicare Supplement has paid your deductible. If your Part B deductible has already been paid for the current year, you will not be responsible for your Part B deductible until the following year.