Where To Buy Medicare Supplement Plans Online
Are you looking for a Medigap supplemental insurance plan? It’s a good move.
Medigap can assist you with covering the shortfalls in medical expenses left behind by Original Medicare Parts A & B. Unlike Medicare, a Federally funded program, Medigap insurance is available as supplemental over from private healthcare insurance companies.
That means that while the Federal government regulates the benefits offered in plans from private insurers, they don’t have any say in how insurers set premiums or offer plans. One provider could offer plans at different prices to other insurers in the same state.
So, it pays to shop around for your Medigap plan. You’ll need to get quotes from all the providers in your state and assess the coverage and additional benefits they offer before settling on the right firm for your policy.
We’ll show you where to buy Medicare Supplement Plans online in this article.
Reach Out to Us for Professional Advice
Doing due diligence on the Medigap insurers in your state can be a cumbersome and frustrating process. Why go to the hassle when you can have us do it for you?
Our team of fully licensed, professional agents works with all the Medigap insurers. We’ll do the work for you and find the Medigap plan you want with the lowest premiums in your state.
Reach out to us right now at 1-888-891-0229 to connect with an agent. We’ll discuss your healthcare needs, recommend a Medigap plan to suit your requirements, and source you the lowest cost premium on your Medigap plan.
Or you can use the calculator on our site to get an automated quote for your Medigap plan.
If you don’t have time to call right now, fill out the contact form on this site. We’ll have a qualified agent call you back to discuss your needs.
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What Is Medigap & What Does It Cover?
Medigap plans come in ten different options. All plans offer varying levels of coverage for your inpatient and outpatient medical expenses not fully covered by Original Medicare. Some plans are more comprehensive, so they come with more expensive monthly premiums.
Here’s a quick overview of Medigap plans and the coverage they offer you.
Where To Buy Medicare Supplement Plans Online
We recommend the following providers for signing up for Medigap online. They offer you the best premium rates and excellent customer service.
Contact us if you need more advice, and we’ll walk you through it.
AARP / UnitedHealthcare
Discounts – Discounts for household members, ETF transfers, and annual premium payments.
Additional Features – Online mental health program.
AARP (UnitedHealthcare) is the leader in low-cost Medigap plan providers, with excellent third-party ratings for financial strength and customer satisfaction. You get the best pricing on the standard plan G in most states, with the high-deductible plan available.
Pros
- The highest NCQA rating of all Medigap providers.
- AM Best A+ financial strength rating.
- 24/7 nurse line.
- Generous household discount.
Cons
- Medigap plans are only available to AARP members.
- No options for high-deductible plans or Plans M & D.
Blue Cross/Blue Shield
Discounts – 5% household discount and Wellness programs.
Additional Features – Plan G “Plus” for vision, dental, and hearing coverage.
Blue Cross Blue Shield offers an inclusive range of Medigap plans covering all categories. You get access to a Wellness Program for additional benefits, discounts, and decent rates on most plans in most states.
Pros
- Offers all Medigap plans.
- Optional hearing, dental, and vision coverage through Plan G+
- Excellent discount programs.
Cons
- Availability of plans varies by state.
Mutual of Omaha
Discounts – Discounts on hearing, vision, and fitness programs.
Additional Features – Dental insurance provided.
Mutual of Omaha is one of the lowest-cost providers of Medigap plans, but it’s only available in select states. It offers the best pricing on the high-deductible Plan G.
Pros
- Offer the high-deductible Plan G in most states.
- Excellent financial strength rating from AM Best.
- Offers beneficiaries dental insurance, Part D prescription coverage, and discount programs.
Cons
- Customer support is only available during business hours, Monday to Friday.
- Only available in select states.
Humana
Ratings: 3.6 stars from NCQA
Discounts Available – Household, automatic payments, and online discounts of up to 6% are available.
Additional Features – Live chat for customer support 24/7,
Humana is one of the best options for the high-deductible Plan G. The company also has a generous discount for enrolling online. However, online enrollment is challenging in some states.
Pros
- Lower-than-average pricing on the high-deductible Medigap Plan G.
- Discount for enrolling online.
Offers
- a wide range of Medigap plans.
- Part D plans covering prescriptions available.
- Live support chat.
Cons
- Higher than average pricing for the standard Medigap Plan G.
State Farm
Discounts – Not readily advertised online.
Additional Features – High levels of customer satisfaction.
State Farm is one of the best-rated firms for Medigap cover. It has excellent financial stability and reinvests most of the premiums it collects into member benefits.
Pros
- The highest AM Best financial strength rating.
- Fewer complaints than average from consumers, as per data from NAIC.
Cons
- Average pricing in most states.
- Limited access to information without an agent guiding you.
A Step-By-Step Guide to Buying a Medigap Policy
Step 1 – Settle on the Right Plan for Your Healthcare Requirements
The first step in the process is deciding on the right Medigap plan to suit your healthcare requirements.
Our team offers you a free consultation to discuss your needs. We’ll match your requirements with the right plan to ensure you’re not over or under-insured.
Step 2 – Assess the Insurers in Your State
There are dozens of private insurers offering premiums in states across America. Some providers don’t operate in all states. So, you’ll need to uncover the insurers operating in your region and get quotes from them. We’ll assist you with this task.
Step 3 – Compare Premiums for Leading Insurers
Every insurer offers a different premium for the plan you want. Your age, gender, and smoking status play a role in your premium costs. However, where you live in the US also factors into your premium costs. That’s why it’s important to shop around and get multiple quotes. Leave it to us, and we’ll get you the best premium in your state.
Step 4 – Buy Your Medigap Policy
After making your decision on the right Medigap provider and plan, buy your policy. If you apply in the “Open Enrollment window” in the first six months after your 65th birthday, the insurer has to accept your application.
You get a Medigap plan, even if you have a pre-existing medical condition. The insurer might subject you to medical underwriting if you wait outside this window. If they discover you have a pre-existing condition, they might increase your premium, deny your coverage, or make you endure a waiting period before activating your coverage.
Speak to us, and we’ll ensure you get the best plan and optimal enrollment for your Medigap policy.
Frequently Asked Questions
Where can I purchase Medicare Supplement Plans online?
You can buy Medicare Supplement Plans online through reputable insurance providers, such as Blue Cross Blue Shield, AARP, and UnitedHealthcare. These companies have user-friendly websites where you can explore plan options, compare prices, and enroll conveniently.
What are the best online platforms to compare Medicare Supplement Plans?
Top online platforms for comparing Medicare Supplement Plans include Medicare.gov, eHealth, and HealthCare.com. These platforms allow you to input your information and preferences to receive personalized plan recommendations for easy comparison.
How do I ensure I’m getting a reliable Medicare Supplement Plan online?
To ensure reliability, only purchase Medicare Supplement Plans from licensed and accredited insurance providers. Check for customer reviews and ratings to gauge the company’s reputation and customer satisfaction before making a decision.
Can I buy Medicare Supplement Plans directly from the government website?
No, Medicare Supplement Plans are offered by private insurance companies, not the government. However, you can find information about these plans on the official Medicare website (Medicare.gov) and use it as a resource to guide your purchasing decision.
What advantages are there to buying Medicare Supplement Plans online?
Buying Medicare Supplement Plans online offers the advantage of convenience and accessibility. You can compare multiple plans, explore details, and enroll from the comfort of your home, saving time and effort.
Are there any pitfalls to avoid when purchasing Medicare Supplement Plans online?
One pitfall to avoid is falling for overly aggressive sales tactics or sharing personal information on unsecured websites. Stick to well-known insurance providers’ official websites to ensure your information is protected and to avoid potential scams.
How can I find the most cost-effective Medicare Supplement Plan online?
To find a cost-effective plan, use online comparison tools that allow you to input your healthcare needs and budget. Additionally, consider reaching out to insurance agents or brokers who specialize in Medicare plans to get personalized advice.
What documents do I need to have on hand when purchasing a Medicare Supplement Plan online?
When purchasing online, you’ll typically need your Medicare card, information about your current healthcare coverage, and personal details like your birthdate and ZIP code. These details will help insurance providers offer accurate plan options.
Are there any reputable online resources to learn more about Medicare Supplement Plans?
Yes, besides insurance company websites, you can also find valuable information about Medicare Supplement Plans on reputable healthcare and financial websites, such as WebMD, Investopedia, and AARP.
How can I be sure I’m choosing the right Medicare Supplement Plan online?
To choose the right plan, carefully consider your healthcare needs and budget. Use online comparison tools to evaluate various options, and don’t hesitate to reach out to insurance providers’ customer service for clarification on any doubts you may have.
Where To Buy Medicare Supplement Plans Online and How to Get Started
If you’re thinking about buying Medicare Supplement Plans Online, comparing rates from different insurers and for different plans is essential.
To get the process started, submit the form to the right or give us a call at 1-888-891-0229.
We’ll provide you with accurate quotes from the most reputable insurers in your area.
Updated December 4th, 2022