Mack Workman of Cumberland Benefits, LLC invites you to tour this site, shop for and compare affordable medicare supplement insurance plans and rates. Hopefully you will learn a thing or two along the way.
ALL MEDICARE SUPPLEMENT PLANS ARE CREATED EQUAL
On page 64 of the Medicare and You Guidebook, provided by the US Government, it tells us that all Medigap (Medicare Supplement Insurance) plans are the same. The benefits must be identical, as they are strictly enforced by the government. Premiums can vary greatly for the exact same coverage.
When you pay more, you don't get more, you simply pay more!
The price, or commissions a company wishes to embed within the price, is the only difference between a Plan F with Company X and a Plan F with Company Y. The benefits are exactly the same. Today, companies utilize electronic claims payments. They absolutely MUST pay the bill on Medicare approved claims. While it is important to shop "A" rated carriers for strength, it is equally important that seniors not fall in love with a Brand Name on Medicare Supplement insurance. Why? Because a policy with one company does not pay any more benefits than the same policy with a lessor known company brand. They all function exactly the same.
Seniors often tell us, "Well, I'm happy with the company I've had for the past 5 years because they pay all the bills."
They have to pay all the Medicare approved claims! That is the legal requirement for each and every participating company that offers Medicare Supplement Insurance.
You will not find one thing different between the bills that were paid with the more expensive companies than the ones paid with the less expensive companies. You can pay more for the fancy TV commercials, the blimps that circle the stadiums, or the salaried insurance agents - just to get that brand name, but the cost is reflected in your monthly premiums and the rate increases you experience.
The best possible solution is to have an independent Brokerage provide you with ALL the available options in your Zip Code. When you contact Cumberland Benefits (the medigap authority), we will show you right on your computer monitor, all the companies offering your EXACT same plan, side by side.
Our free shopping service typically saves approximately $700.00/year (heck, I recently saved my mother in law over $1400.00/year) for one person and $1400.00/year for a couple, simply by having us shop the rate for the best value in YOUR marketplace. What Changes? Only the logo on the card and the money left in your bank account. The service will not go down, the bills will still get paid, and YES your doctor will still accept the insurance, since it is all filed electronically through Medicare.
Want to compare Medigap Plans rates in Kentucky. Enter your information and compare, with no obligation to apply, side by side quotes from several "A" rated carriers in your area. Yes, I want to shop and compare Medicare Plans available in my Zip Code!
