Tag Archives: Compare Medigap Plans

Comparing Medigap Plans in Tennessee

If you live in Tennessee and are looking for Medicare Supplement plans, which are in purchased in addition to Medicare Parts A and B of the federal Medicare program, you can opt for Medigap coverage. There are 10 different plans to choose from for Medigap plans in the state of Tennessee, but not all insurance companies offer all 10 plans. And if they do, you’ll notice that some might be more expensive than others. Also, some plans are more advantageous than others, with a few of them being Medigap Plan F, Plan G and Plan N. It doesn’t matter which plan you get, the gaps that the original Medicare has will be filled in by the various plans in varying degrees depending on the plan.

Depending on what Medigap plan you choose a different percentage and number of gaps will be eliminated. If you really want a comprehensive Medigap plan, you should opt for Plan F, as it is thought to be the most advantageous since it pays both Medicare deductible and the 20% that it doesn’t cover at hospitals or doctor’s offices. However, in most cases, Plan G is a better value to all, thus the best option for those looking to get Medigap in Tennessee.

The most important thing to remember is that it doesn’t matter what company you purchase Medigap supplemental insurance from since the plan will work the same way. There are really only two things you need to compare when looking for the right Medigap insurance provider in Tennessee: price and reputation within the industry. Both factors will vary from provider to provider and this is what you should base your Medigap supplemental insurance decision on.

Although it’s possible to compare the companies that offer Medigap in Tennessee to get quotes.  Enrollees can also go online to see charts that will show you the different rates from independent agents and brokers. Doing your research to compare Medigap supplemental insurance plans in Tennessee will help you make an informed choice so that you find one that best fits your personal monthly budget.

Learn more about Medigap plans and rates at http://emedigap-plans.com.  Medigap Insurance brokers will help you compare Medigap Insurance rates and plans.  To talk to an expert in Medigap coverage call toll free 888-452-7949!

4 Ways Participants Benefit from Purchasing Medigap

Are you 65 or is your 65th birthday around the corner? Are you enrolled in Medicare Part A and Part B? You have a six-month open enrollment period that begins on the first day of the month in which you are 65 or older. Therefore, this is the best time to start shopping for a Medigap insurance policy. Also known as Medicare supplement insurance, Medigap policies are guaranteed, regardless of the condition of your health and are sold by private insurance companies to fill in some gaps in the coverage you get from Medicare, as long as purchased within your open enrollment period. Consider the following benefits of purchasing Medigap:

  • Medigap Supplements Original Medicare

Medigap is a private insurance policy that picks up where Medicare leaves off, helping you cover co-payments, coinsurance, deductibles, including services such as medical care outside the U.S. This additional cover may not be “necessary” if you already have a supplemental retiree health insurance through a former employer or union. However, it is important because it provides extra protection for high out-of-pocket costs, especially if you become seriously sick or need to receive more care as you age.

  • Guaranteed Coverage

Under federal law, insurance companies cannot deny you a Medigap coverage during a six-month open enrollment period that begins the month you turn 65 and join Medicare. Additionally, even if you lose certain types of health coverage such as Medigap policy, Medicare Advantage plan including private group health insurance, you have the right to buy most Medigap policies within 63 days. Insurance carriers are obligated to offer you the best available rates regardless of your health, which brings us to the next important point.

  • Coverage for Pre-Existing Conditions

During the Open Enrollment Period, an insurance company can’t deny a Medicare supplement policy or charge a higher premium because of pre-existing conditions. While participants may face a six-month waiting period, but as a Medigap beneficiary, they have a “guaranteed issue rights” and will receive all Medicare benefits. Therefore, to ensure eligibility and timely approval, it is important to begin shopping for Medigap early.

  • Popular Medigap Plan F

Baby boomers can celebrate because this plan now pays for all the gaps in Original Medicare Part A and Part B, including both hospital and outpatient deductible. This means zero out-of-pocket at the doctor’s office.

The financial burden of health currently and in the future, including the level of service you receive, may have huge implications and lasting impact on your life. Switching Medicare supplemental insurance plans shouldn’t be stressful, retirees can talk to a reputable Medicare brokers who will help with identifying the best possible coverage for the best possible rates by comparing Medicare plans and rates from private insurance companies that supply Medigap.

Learn more about Medigap plans and rates at http://emedigap-plans.com.  Medigap Insurance brokers will help you compare Medigap Insurance rates and plans.  To talk to an expert in Medigap coverage call toll free 888-452-7949!

Do My Spouse and I Carry the Same Medigap Insurance Policy?

Medigap Insurance is a supplemental insurance policy to Original Medicare since it doesn’t cover everything. Where Medicare Insurance falls short, Medigap is used to fill in the gaps. You can purchase Medigap from a private insurance company and use it to cover any expenses you might have under Medicare like deductible and co-pays left by Medicare Part A and Part B.

Medicare doesn’t cover things like dentures, long-term care like assisted living, hearing aids and exams, acupuncture, routine foot care and more.  Medigap supplemental insurance can cover these sorts of expenses, which is why many seniors opt to obtain Medicare supplemental insurance. To qualify for Medigap insurance enrollees must be enrolled in both Medicare Part A and Part B.

Medigap plans are no different than Medicare plans since they both over only cover one person’s health care coverage and not their spouse. Medigap only covers one person. Although you may be able to enroll in a Medigap insurance plan if you already have Original Medicare, your spouse can’t enroll under you. Your coverage does not extend to them. If your spouse is also eligible for Medicare, then they’ll have to enroll in a separate Medigap policy to get the same coverage as you. If you choose they can enroll in the same Medigap coverage that you are enrolled in.

If you want your spouse to be covered by Medigap, the best time for them to enroll is during their own Medigap Open Enrollment Period. This is a six-month time frame that starts on the first day of the month when they turn 65 are both enrolled in Medicare. During this time, an insurance company can’t utilize medical underwriting to deny coverage. Also, beneficiaries have the right to enroll in whatever plan they choose or want, even though some waiting periods may apply.

Medigap policies are priced depending on a number of factors like where you live, your gender and more.  Since plans can be affected by inflation, there can be a big difference in premiums for the same plan between different insurance carriers so shop around for the best price.

Learn more about Medigap plans and rates at http://emedigap-plans.com.  Medigap Insurance brokers will help you compare Medigap Insurance rates and plans.  To talk to an expert in Medigap coverage call toll free 888-452-7949!

 

Understanding The Differences Of Medigap Policies And What They Have To Offer

There are a number of questions and concerns when it comes to enrolling in Medicare and Medicare Supplemental Plans.  Three main questions that seniors want answers to are:

  • What parts of the four different parts of the Medicare program covers stays in the hospital?
  • What differences are seen between Original Medicare (Medicare Part A & Part B), Medicare Advantage, and Medicare Supplemental Plans?
  • Which parts of Medicare provide prescription drug coverage?

Original Medicare has four basic elements:

  • Medicare Part A – Hospital Insurance
  • Medicare Part B – Health Insurance
  • Medicare Part C – Medicare Advantage
  • Medicare Supplemental Insurance Plans – Medigap

Medicare Supplemental Insurance Plans, Medigap, is private health insurance plans that seniors can purchase to cover the “gaps” that are left after enrolling in Medicare Part A and Part B.  There are ten different Medigap plans to choose from.  Each plan covers different elements that are not covered by Original Medicare such as doctor’s office co-payments, skilled nursing facility co-insurance, and certain out of pocket hospital costs not covered.

There are ten different types of Medigap Plans designated by one of ten letters of the alphabet.  The benefits within the different plans are the same no matter what insurance company that they are purchased from however, each of the ten plans covers something different.  Premiums for each of the ten policies also vary depending on who the coverage is purchased through.  Medigap Plan F can essentially cost $110 a month from Company A while Company B has the same exact plan for sale for $150 a month.  This is why it is super important for Medicare participants to compare Medigap plans and the premiums charged by different insurance companies.

In order for participants to be eligible to purchase supplemental insurance, Medicare enrollees must be enrolled in both Medicare Part A and Medicare Part B.  Medigap is renewable from year to year no matter what the participants current state of health is.  Monthly premiums will be charge based on where you live, your current age, the plan you select, and the insurance provider chosen.

Another option that is provided to seniors is Medicare Advantage.  This option is chosen in place of Original Medicare and Medigap.  Participants often choose Medicare Advantage over Original Medicare and Medigap because of the lower monthly premiums.  Although the premiums are lower, out-of-pocket expenses may be higher.  It is important to also note that Medicare Advantage offers prescription drug coverage at no additional cost whereas Original Medicare and Medigap requires you to purchase prescription drug coverage, Medicare Supplemental Insurance Plan D.  The advantage of Original Medicare and Medigap Supplemental Plans is that there is a larger network of providers to choose from.

There is a lot to consider when it comes to the federal government sponsored health insurance plan.  Seniors over 65 have the option to choose between purchasing Medicare Plan A, Medicare Plan B, Medicare Advantage, and Medicare Supplemental Insurance Plans; it is crucial to look at all of the option when considering your current and future health care needs as well as your budget.

Learn more about Medigap plans and rates at http://emedigap-plans.com.  Medigap Insurance brokers will help you compare Medigap Insurance rates and plans.  To talk to an expert in Medigap coverage call toll free 888-452-7949!

Benefits of Medicare, Medigap, and Medicare Advantage Health Insurance

Most people do not quite understand how Medicare and Medigap work and as much as there are many resources about the two, all the information can be overwhelming and confusing. In this article, we will evaluate each and the benefits you get when you pick one of over the other.

Understanding Medicare and Medigap

Everyone, over the age of 65 in the US can apply for Medicare insurance coverage.  It is important to note is that the coverage is divided into four parts. Part A provides hospital care, Part B covers doctors’ fees, equipment used in the treatment and medical procedures. Part D covers prescription drugs which cost over and above your cover especially for older patients and supplemental insurance plans that take care of medical expenses that exceed your cover so that you don’t have to tap into your savings to get treatment.

Medigap is additional health insurance coverage that participants purchase from private insurance companies to help take care of medical costs that are not covered by your Medicare coverage. These include things like deductibles, co-payments and healthcare should you seek treatment outside the United States. It is important to note that a Medigap policy does not cover dental care, vision care, hearing aids, or eyeglasses.

Medigap policies can only be given to individuals who are already under Medicare cover Part A and Part B. If you already have a Medicare Advantage plan, you cannot qualify for a Medigap plan.

Medigap vs Medicare Advantage: Which will serve your interests better?

  1. Medigap coverage costs more per month but it might cost less than out of pocket payments that you might be forced to pay for a Medicare Advantage plan. On the other hand, a Medicare Advantage plan will insure more medical services and cost less in the long run.
  2. Medicare Advantage covers, limit the choice you have when deciding which doctors to see from which health facilities. Conventional Medigap and Medicare covers on the other gives you more leeway because you can get treatment from any medical center that accepts the cover.
  3. Medicare Advantage cover is operational within specific jurisdictions. Meaning should you need medical attention while away from home, it will not be useful for you. Medigap, on the other hand, covers you in every state in the U.S and even abroad to specified regions.

Choosing the Right Plan For You

Ultimately whether you choose Medigap or Medicare, the key to having the best insurance policy that your money can buy for your specific healthcare needs.

Learn more about Medigap plans and rates at http://emedigap-plans.com.  Medigap Insurance brokers will help you compare Medigap Insurance rates and plans.  To talk to an expert in Medigap coverage call toll free 888-452-7949!

Find the Best Medigap Policy with These 5 Easy Steps

Choosing the right Medigap policy is important if you are looking to save on your health-related costs in the long run. In this article, we break down choosing the right Medigap policy in 5 simple and easy steps:

1: Evaluating Your Health Care Costs

It’s important to do a thorough analysis of what you’ve spent on healthcare annually. Also try to sketch out an idea of how much your future health costs will come to and add them to your list. Finally, also make sure to add any costs that covered the services offered by Medigap plans.

2: Comparing and Reviewing Medigap Plans

Make sure to go through the Medigap Plan from A to N to determine which plans are most apt for your situation. Cross compare the plans with each other and do a careful analysis of which one is ideal for you. Also, be aware that the Plans J, I, H and E were no longer sold after May 2010. However, if you already bought any of these plans before June 2010, you’ll be allowed to move forward with it.

3: Finding the Medigap Insurance Company

Do your research and find out the insurance company that offers Medigap plans in your State. You can contact your State Health Insurance Assistance Program (SHIP) or your State insurance department for guidance. These companies are also listed by Medicare Options Compare.

4: Comparing Each Insurance Company

Take some time, do a thorough research and then choose your insurance company carefully. You’ll probably have a range of options to choose from, and you must consider a bunch of factors before you move on with your decision.

Costs are one the most important factors when it comes to choosing companies. Find out the premium being charged by the company for the Medigap plan, compare with your other options and then choose. You will also want to look for issue-age-rated and community-rated policies with each company. These policies might make the costs lesser for you as you cross a certain age and hence can end up being a deal breaker. Also use independent rating services to gauge the financial stability and soundness of the company you’re considering. Companies with an A rating are generally considered to be ideal choices. Finally, also make sure to go through any complaints with the company under consideration. You can contact your Department of Insurance to check if they have received any complaints about a company.

5: Choosing the Right Insurance Company

Once you’ve gathered all the information you need and done adequate research on the companies and the policies involved, make sure you arrive at a sound and informed decision. Don’t just depend on information you find on the Internet or in the library: talk to people who you trust and try to figure out which company is preferred in your area.

Learn more about Medigap plans and rates at http://emedigap-plans.com.  Medigap Insurance brokers will help you compare Medigap Insurance rates and plans.  To talk to an expert in Medigap coverage call toll free 888-452-7949!

Nine Important Facts That You Should Know About Medigap

Choosing a Medigap Plan can be challenging. Be aware that one size does not fit all and not all plans are going to be created equal. Different personal circumstances will certainly play a part in determining what type of policy would be suitable for them.

It is always important when choosing a Medigap plan that you have your eye on the long-term benefits that that plan will provide. This is simply because switching plans can be a bit of a process and one that can only be done during open enrollment.  It is always better if you can fulfill all your needs with the original plan that you choose. When choosing a Medigap plan, there are certain things that you should know. Here, we look at nine important facts that you should know about Medigap

  • The aim of Medigap is to take care of the things Medicare does not cover hence, bridging the gaps. You will pay an additional amount to get this type of policy on top of your Medicare premiums. Also, before you can purchase a supplemental policy, you must first be enrolled in Medicare Part A and Medicare Part B.
  • Keep in mind that your Medigap policy does not cover your spouse. If you both need coverage, you will have to buy two separate policies. This confuses some people because traditional insurance often covers the spouse.
  • Medigap policies are only available to individuals who already have Medicare Part A for free hospital services and Medicare Part B for doctor services. Each plan covers one only individual, meaning you and your spouse will have to purchase separate Medigap policies.
  • Medigap has 12 standard plans, through A to L, that offer different levels of health coverage and benefits. Although different insurance companies sell these policies, they offer the same Medigap plan benefits. Not all Medigap policies may be available in your state.
  • It pays to compare companies offering Medigap insurance before committing to any individual plan. This is because not all companies carry all 12 plans, so an insurance agent may be steering his or her customers towards one of the plans that company offers when a different plan might be preferable for you.
  • If you intend to buy a Medigap plan, it is important to note that you must enroll within the open six-month enrollment period that starts on the first day of the month in which you turn 65 and enroll in Medigap. During this period, insurance companies cannot use medical underwriting to deny you Medigap coverage or increase premiums due to your health or apply waiting periods even if you suffer from pre-existing medical conditions. However, if you try to buy a Medigap policy after the six-month enrollment period is over, there is no guarantee that you’ll be able to get coverage. There are chances that your rates may climb substantially in case you get covered.
  • For a Medigap plan, you must pay a monthly premium to the insurance company along with your Medicare Part B premium. The cost of the Medigap policy is determined as follows:
  • Community-rated policies charge the same premium to everyone living in that area regardless of age.
  • Premiums in Issue-age-rated policies are based on your age when you first bought the policy, however, the rate doesn’t increase automatically as you age.
  • Attained-age-rated policies are inexpensive at the age of 65, but their rates increase automatically as you age.

Generally, insurance companies establish their own prices and eligibility regulations, so it is recommended to shop around for the plan.

  • Medigap plans cover some of your Medicare co-payments, co-insurance for hospital stays, and some other medical services such as preventive care, at home recovery, etc., thus reducing your out of pocket costs. It is vital to consider that Medigap plans do not cover hearing aids, dental care, eye-glasses, long-term care etc. Prescription drug coverage can be obtained by enrolling in the Medicare Prescription Drug Plan, or Part D. You must decide what type of plan is best for you. In most cases, if you give up your Medigap policy, you won’t be able to get it back.
  • Also, beware of anyone who tries to sell you additional Medicare supplement insurance if you already have this type of policy in place. US law states that it is an offense to try to sell additional policies of this type, as the plans offer a wide range of benefit options and if you choose the right plan, a second plan would be totally unnecessary.

When you are about to face retirement, having a basic understanding of how Medicare works can give you better health care and reduce what you spend on medical services. To be able to get a plan, you need to enroll in Medigap services.

Learn more about Medigap plans and rates at http://emedigap-plans.com.  Medigap Insurance brokers will help you compare Medigap Insurance rates and plans.  To talk to an expert in Medigap coverage call toll free 888-452-7949!

 

Clarifying Doubts About Medigap Coverage

Choosing a Medigap plan can be overwhelming for some seniors. There are many plans that have been formulated by the government; however, that nevertheless, you’d have to choose your plan according to your needs. We are here to help you with that by giving you information and clarifying your doubts about Medigap coverage. Before you enroll in Medigap, please give this post a read for better understanding.

Medigap is a healthcare system that has been produced for the betterment of the senior citizens. There is an original Medicare for your health insurance, but getting supplement plans, which come under the Medigap, is a better idea. This way, you could receive the original benefits of the program as well as get additional coverage.

Choosing a Medigap plan

Medigap plans are labeled by alphabets from A to N that are individually, or combinedly sold by private health organizations.

Medicare Supplement Insurance or Medigap requires you have the part A and the B of the Medicare. When you have these, only then you’d stand eligible for the supplement policies.

When it comes to the trends, the most popular policies in the U.S are the C and F. Both plans are there to cover for the deductibles of Part A that you receive and the Part B. According to the packages, the costs of the hospital, and outpatient costs of the doctor are covered. And if we talk about the limits, these costs are $1,260 and $147 respectively. So, considering all of this, you can hope to receive compensation for anything that comes in the range of costs mentioned.

Which plan is best for you?

Before enrolling in a Medigap plan, you should consider all the options according to your health, family history, and future risk tolerance. You can have a detailed information of the packages or policies on the Medicare website. So, if anyone recommends you any supplemental Medigap plan, do give it a thought first considering your needs.

Drug coverage

It is important for you to note that Medigap plans do not cover any kind of drug prescriptions. Therefore, you cannot rely on these plans to cover those costs. However, this doesn’t mean that there aren’t any other plans which you can use. If you must cover prescriptions, there is a better plan in the form of Medicare Part D – also called the drug plan. You can not only have your prescription costs covered through this part up to a certain limit but can also use other plans with it.

To sum up the above discussion, you can get additional health coverages by getting Medigap supplement plans with your original Medicare Part A and Part B, and Part D if you want your prescription costs to be covered. It is also worthy to note that Medigap does not cover any vision, dental, hearing care, or long-term care.

So, this was all about choosing a Medigap plan. Make sure you choose your plan wisely before enrolling in Medigap.

Learn more about Medigap plans and rates at http://emedigap-plans.com.  Medigap Insurance brokers will help you compare Medigap Insurance rates and plans.  To talk to an expert in Medigap coverage call toll free 888-452-7949!

2018 Medigap Plans

Medigap policies are health insurance plans that are designated by the federal government.  This policies help to supplement Original Medicare Plan A and Plan B.  Medigap policies are different than Medicare Advantage as it covers most of the costs originally covered by Medicare plans.  These payments include paying some of the health care costs that normal Medicare plans fail to cover such as copayments, coinsurance, and deductibles.

Medicare is a health insurance policy for people over 65.  It also includes options for people under 65 with certain disabilities and people of any age with ESRD, a permanent kidney failure requiring dialysis or a kidney transplant.

Diverse Medigap Plans To Choose

The different parts of Medicare help cover specific services.  There are a whole lot of Medigap plans available across all the states in US lettered A, B, C, D, F, G, K, L, M, N, and an high-deductible version of plan F. All these Medigap plans actually cover at least part of these costs:

  • Medicare Part A Hospice Coinsurance or Copayments
  • Medicare Plan B Coinsurance or Copayments
  • The First 3 Pints of Blood Received as a Hospital Inpatient

It is important to note that Medigap part A is the most basic plan because it only covers these benefits.

 

Of all the available Medigap insurance plans, the most widely chosen is Medigap plan F.  In 2018, there are a good number of people who have begun to rapidly understand the benefits of choosing Medigap plan G due to its added benefits. You can check the 2018 Medigap plans and choose the one that best fits your needs.

Understanding Medigap Plan G

Medicare supplement plan G, Medigap plan G, is a standardized Medicare supplement plan that can be purchased in most states in the United States to help close financial gaps for those things that original Medicare would not fully cover.

Medigap plan G for 2018 works with Medicare Part A by paying for all of the costs in Medicare part A and these include:

  • Coinsurance for Hospital Stays
  • Coinsurance for Skilled Nursing Facility Stay
  • Copayments or Coinsurance for Hospice Care
  • Medicare Part A Deductibles

Medicare Supplement Plan G also works with Medicare Part B by also paying the costs in part B and these include:

  • Charges Over the Amount Medicare Allows
  • Foreign Travel Urgent Care
  • Medicare Part B Usually Co-Pays and Coinsurance Every Year
  • Medicare Recipients Have to Pay An Annual Deductible before Medicare Part B Pays Medical Services

Be Aware Of The Medigaps Coverage

It is also important to understand that Medigap plan G doesn’t pay for everything. Just like most Medigap plans, it doesn’t cover: long-term care, vision or dental care, hearing aids, eyeglasses, and private-duty nursing.

 

Hence, it is expedient to understand exactly what you want and check Medigap plan to see and understand the one suitable for you.

 

Learn more about Medigap plans and rates at http://emedigap-plans.com.  Medigap Insurance brokers will help you compare Medigap Insurance rates and plans.  To talk to an expert in Medigap coverage call toll free 888-452-7949!

 

 

Making the Right Choice In Medigap

Medigap is an extra medical insurance plan that you purchase from a private company to pay for costs not originally covered by Original Medicare such as deductibles, copayments, and medical care when you travel outside the United States. However, Medigap policies do not cover long term medical care, hearing aids, dental care, eyeglasses, vision care, private duty nursing, and most plans do not also cover prescription drug benefits. If you are a regular user of the healthcare system, it would be ideal to buy a Medigap plan as it would save you costs in the long run.

Be Educated On All Medigap Plans

Before choosing the right Medigap plan, you must be well informed about your choices. 10 Medigap benefits (A, B, C, D, F, G, K, L, M, and N) have been designed by the government with each varying slightly in their coverage. You can make Medigap comparisons using medicare.gov. There you would find all the details you need in a single chart. Your choice of Medigap policy should not be affected by the alphabet designations as government regulations ensure there is a standard design for any plan despite the insurer covering it.

Items To Look For In Medigap Coverage

So what are the differences among the Medigap Policies? How do they compare? While some cover more costs, others are high deductible, and still others demand higher cost sharing. To decide on the best Medigap policy for you, you must weigh your options so you can look out for the plan that best fits your needs and one that you can reasonably afford. It would be ideal to focus on a plan that covers more big-ticket items. These items include:

  • Covering the coinsurance of your hospital stays or stays in a specialized nursing facility after a hospital stay
  • 20% of your share of doctor visit costs
  • 20% of your share of costs involved in lab tests
  • The deductible involved any time you are admitted into a hospital.

There are other items covered under the different plans you must consider before making your choice. Medigap Plan F is more popular today as it is considered the most comprehensive plan. However, Plan F has two plans – with one having a high deductible. So it is important to consider each option carefully before making a decision.

Pricing System Of A Medigap Plan

Remember that prescription drug benefits are not covered under Medigap policies. Also worthy of note is the pricing system. There are three pricing systems which determining the cost of a Medigap plan. They include:

Issue-age Rated – This plan is based on the age of the individual when the first plan is bought. The younger the individual is, the lower the initial premium. Any increment in premium charges in future will not be as a result of advancing age.

Community Rated – This pricing system does not consider the age of an individual.

Attained-age Rated – Although this premium is initially based on an individual’s age, it could increase as the person gets older.

Finally, before you sign any agreements with a company and agent selling a Medigap policy, ensure you contact the local insurance department of your state to ensure the company is licensed and they have a clean complaint record. Also note that changing a Medigap policy can be a really daunting task. Consider your options very carefully and ensure it does not only cover your current needs, but even your potential future needs.

Learn more about Medigap plans and rates at http://emedigap-plans.com.  Medigap Insurance brokers will help you compare Medigap Insurance rates and plans.  To talk to an expert in Medigap coverage call toll free 888-452-7949!