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Medicare Supplements



Is the AARP supplement a good decision?

I understand AARP offers a Medicare Supplement. Is the ARRP supplement a good decision?

The plans offered by AARP must comply with the Medicare rule that states all Medicare Supplements by category must be the same. The plan offered by AARP is underwritten by United Healthcare. The UHC plan allows for a savings of 30% of your first-year premium if you are age 65 and enrolled in Medicare Part B. Then you will save 27% of your second-year premium, decreasing 3% each year for the length of the ten-year discount.

We at Medigap Pro are independent insurance brokers. This means we have access to the best premium rates in your state. We always beat the prices offered by UHC. We also do not put you in a position where a “discount” is reduced on a yearly basis thus causing your premiums to increase significantly.

Which do you recommend Original Medicare or Medicare Advantage?

We believe the Medicare Advantage plan will not save you money. The surprise of Medicare Advantage plans is the cost you pay for deductibles, copayments, and coinsurance. You might experience up to $6700 in additional out-of-pocket cost.

We believe enrolling in Original Medicare and purchasing Supplement F or G from a health insurance carrier will be much better for most individuals. You basically have 100% coverage for Medicare qualified expenses. You have a fixed as opposed to a variable cost when you have a Medicare Supplement.

Do I have choices?

Yes. You can choose Original Medicare. (Part A and Part B). If you want prescription drug coverage, you must join a Medicare Prescription Drug Plan. If you do not join a Medicare Drug plan when you’re first eligible, and you don’t have other credible prescription drug coverage, you may pay a late enrollment penalty if you choose to join later.

You may choose to join a Medicare Advantage Plan (like an HMO or PPO) if one is available in your area. The Medicare Advantage Plan may include Medicare prescription drug coverage.

How do I sign up for Medicare?

The easiest way to sign up for Medicare Part A and Part B is to go to Go the top of the page and click “Sign Up/Change Plans”

Do I have to pay for Medicare?

Yes and no.

If you are Medicare eligible, in most case, you will not be charged for Part A. If you elect Part B you will pay a low premium based on your income. If your personal income exceeds $85,000 or spousal combined income exceeds $170,000 you may pay a higher Part B premium. Your premium will be determined as you apply for Medicare A and B.

What are the different parts of Medicare?

Part A: Hospital insurance covers hospital in-patient care, skilled nursing facility…

Part B : Medical insurance covers services from doctors, outpatient care….

Part C: Medicare Advantage includes services covered under Part A and Part B. Insurance companies

Part D: Medicare Prescription Drug Coverage

When can I enroll in Medicare?

A 7-month window exists to enroll in Medicare. This 7-month window begins 3 months before you turn 65, including the month you turn 65 and ends 3 months after you turn 65.

What is Medicare?

Medicare is health insurance for people over 65 or older, people under 65 with certain disabilities, and people of any age with End-Stage Renal Disease (ESRD)


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