

Let’s face it…you’re trying to do your research. Prices are not the only thing you need.
We make it easy for you to learn. You can get more than just a price by requesting a price quote for Medicare Supplement.
Not sure you need a supplement? Not really sure what a supplement is? See below.
Friendly agents are able to provide medicare help by phone and also explain the differences between Medicare Supplement plans and options that can help save money. Our licensed insurance and Medicare Supplement specialists will take the time to talk with you by phone, give you other free related money saving tips for seniors. For more details, visit rxcurefor.com.
We are able to provide you with FREE information that you may need to help you better understand the differences in cost, coverage, and medicare supplement options.
A Medicare Supplement of like part must provide the same benefits no matter which Med Supplement insurance provider you choose.”
For example:
“..while other companies are able to provide the exact same plans for $150 per month or less, for the exact same benefits.”
Medicare.gov clearly outlines this information and facts within the Medicare and You Brochure
The cost difference between a plan F and a plan G can be $50 to $70 or more per month!
“The difference in benefits provided in Medicare Plan F and a Plan G are exactly the same”
EXCEPT with a Plan G: Seniors will have to pay the Medicare Part B deductible of $183 per-year “out of pocket.”
“Where do you think that extra $600 plus per year is coming from..? “
THINK ABOUT IT!! In most cases the answer is: “Your own, personal savings and retirement senior funds.”
For example, if you choose Original Medicare, then which Medicare Supplement Plan is right for you? Is it Plan A? plan G? plan F? Plan N? “…you can start to get the picture, it’s confusing..”
Selecting with Med Advantage instead, do you choose a HMO, PPO, or PFFS..?
Learn more about what a SNP is, and find out the best options and more about what do you do about Part D prescription drug coverage.
When requesting quotes for better medicare rates or a new life instance policy, our agents can search and shop between many carriers, helping you get the health care that you deserve as a senior, from the company you select, with the best possible low rates.
Our dedicated agents are able to help you search and then provide options from many different Medicare Supplement and Medicare Advantage providers.
Plan A, Plan B, Part A, Part B, Plan F…confused yet?
We always try to first educate our clients on the differences in terms first, before they try to make a decision. Starting at the difference between the term PLAN and PART always helps.
PART is referring to Medicare coverage.
All PARTS are regulated by MEDICARE and each have separate rules and benefits.
PLAN letters refer to MEDICARE SUPPLEMENT INSURANCE COVERAGE
For Example:
Plan F is no longer available for anyone turning 65 in 2020. If you are born before 1955, you can still purchase a PLAN F as long as you live
Part C is also called Medicare Advantage. If you choose a PART C, you will not be allowed to have a Medicare Supplement plan by law.
A Medicare Advantage plan is where an insurance company contracts directly with Medicare to provide managed medical care to you at a set rate.
Did you know that many times, PART D is bundled with PART C, and in most cases MEDICARE ADVANTAGE PLANS have zero premium cost to you and appear cheaper than a medicare supplement plan.?
However, there ARE OUT OF POCKET CO-PAYS and DEDUCTIBLES with most of them. Be sure to read the STATEMENT OF BENEFITS carefully before you sign up for a PART C.
There are some other exceptions: Visit Medicare.gov for more info.
Most questions we answer each year concern Medicare Part D
Some ask why should they even get a Part D because they are not on any medications. CMS says that if you do not enroll in a Part D when you are eligible, you will be penalized 1% of the national average cost of a part D PER MONTH for every month you are not enrolled! So when you turn 65, or get on Medicare, you basically don’t have a choice.
For more information about Part D, see “How we help Seniors avoid costly mistakes”
Need help making sense of all the different Medicare insurance plans and options?
IF you are just before turning 65 this could be all new to you, so here’s your first MEDICARE SUPPLEMENT TIP.
A Medicare Supplement of like part must provide the same benefits no matter which Med Supplement insurance provider you choose.
HOWEVER they don’t have to cost the same.
For example: Company A MED SUPP PLAN F for a 75 year old female nonsmoker may cost $173 per month while Company B costs $155 for the EXACT SAME PLAN F benefits! Medicare.gov says in the Medicare and You handbook:
By calling toll-free now at: 1-877-6000-SBL 1 (877) 600-0725
A licensed trained personnel will answer your Medicare Supplement questions and help you discover if you could save money. Because we don’t represent just one, but several different Med Supp and Med Advantage providers, we can shop between many carriers, yet still get the health care you deserve.
Here’s Medicare money saving tip number two: The cost difference between a plan F and a plan G can be $50 to $70 or more per month!
The difference in benefits provided in a Plan F and a Plan G are exactly the same…EXCEPT with a plan G, you will have to pay the Medicare Part B deductible of $148 per year out of your pocket. Where do you think that extra $600 plus per year is coming from?
Our Experienced Senior Care Experts are always here to make it easier, as a part of our care services for seniors.
WE ARE MEDICARE EXPERTS: Our licensed insurance and medicare agents are able to walk you through the whole process
WE CAN HELP ALL SENIORS MAKE THE BEST POSSIBLE CHOICES, PLEASE JUST KEEP READING OR WATCHING OUR HELPFUL ONLINE VIDEOS TO LEARN HOW!
If you are NEW to Medicare, you are bombarded with mail solicitations that want you to call them for expert help. That’s ok….cause you do need it. However, most of the licensed agents look after their best interest before yours. Here’s what we mean.
Also know, that once you get a plan, you cannot be singled out for a rate increase! BY LAW, each Medicare Supplement plan can only charge a certain amount in proportion to their claims experience.
Because if you have a plan G (which is 30% – 40% cheaper most of the time) you are now in a group of people that have answered positively to the health questions and are at least healthy now.
If you are in a plan F, you are not only in a plan that costs more, but you are in a plan that has HAD to take all of the unhealthy people too! Therefore, the claims experience has a greater chance of increasing premiums exponentially during the time you have the policy.
Here’s the real kicker. IF you become sick later, then now you are stuck and can never get into an underwritten plan such as a G.
If this explanation doesn’t make sense then just ask yourself this:
WHY SHOULD YOU GET HELP WITH PRESCRIPTION DRUG PLANS? The statistics show that Seniors waste hundreds of dollars each year by not being on the best prescription drug plan. Because the Annual Enrollment Period is only once each fall, people tend to adopt the attitude “if it is not broke, don’t fix it!” PDPs change each year.
Whether you change or not is not relevant, your plan medicare supplement plan, likely will change benefits without you doing a thing. To be safe and save as much money as possible, it is always best that you review it each year. A simple online computer comparison program is used to compare your prescriptions, dosages, and the pharmacy that you visit, to see which plan is best for you alone!
Once you are a SBL Customer, each year we will review your prescriptions to make sure that you are not wasting money unnecessarily on the wrong plan.