what is the best supplemental insurance to medicare?
I аm looking fοr a reasonable supplemental insurance tο gο along wіth medicare wіth nοt tοο high οf premiums ..within 200.00 tο 250.00 range premiums wіth prescription coverage .. wουld anyone hаνе аnу advice out thеrе.. thanks іn advance..
$200 to $250 per month just for a Medigap policy is rather expensive when most cost around $125 to $175. You can buy a policy from any insurance carrier that sells them. All of the major insurers do. They dont all operate in every state. You have to call on the phone a local insurance agent and find out which companies offer it where you live and what types they offer.
The Medicare website offers help on choosing a Medigap policy.
You have to shop around. Check with a number of insurance companies – you can do much of that online. It may take a good bit of research to find that which best suits your needs. And ask around of friends and family what they think of the issue and what they have (and why they don’t, if that’s the case) and how they feel about their policy(ies).
It’s not that easy. If there was one best insurance I wouldn’t have to contract with all of the companies in my area. Companies do not write policies in every state so any suggestions you get here may not even be available where you live. You’ll need to contact a local agent that works with all of the major companies in your area.
None of the Medicare Supplements have prescription coverage included; you’ll need to get a separate stand alone prescription plan. However, you also have the option of getting a Medicare Advantage plan instead of the Supplement (many people are confused about the two types). Many Medicare Advantage plans have drug coverage included. When you talk with the agent make sure they also represent the drug plans and the Advantage plans so you can have all options.