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Medicare Supplement Plans: An extension to original Medicare!

Medicare supplement plans also called Medigap policy is something extra than the original Medicare insurance. It is the extension of the coverage provided by the original Medicare policy. Medigap policy goes an extra mile to secure your future by giving you an extra cover over the Medicare policy. For example, suppose your ambulance bill, which is about four thousand dollars, is covered by your Medicare insurance. But, the Medicare only covers about eighty percent of that bill but if you get a Medigap policy, it will cover the remaining twenty percent as well.

Quotes for Medicare Supplement plan can be located by visiting

So, in a way it can be said that Medigap policies completes the Medicare insurances.

Medicare Supplement plan

Medicare Part A and Part B

Before going further to understand the Medicare supplement plans and how do they work together it is better for you to first understand about the two most essential parts of Medicare insurance which are: –

  • Medicare Part A which covers all your hospital expenses. It ranges from your hospitalization to nursing as well. However, it does not include the custodial nursing. It is pivot of Medicare insurance because most of the expenses in the healthcare sector are made during the hospitalization.

In order to qualify for premium free part A, it is required that you or your spouse has paid taxes for at least ten years. But, in most cases people have to pay monthly premium.

  • Medicare Part B covers your health insurance. It will cover all the medical necessary expenses such as doctor fees, x-ray fees, cancer test and flu tests etc. It also includes expenses of medical equipment such as a wheelchair which is necessary for your physical well being. And in case of Part B it is mandatory to pay your premium even if you have a Medicare Advantage Plan.

How Medicare Supplement Plans and Medicare linked?

As already explained Medigap being extension of Medicare, it is also necessary to point out that Medigap policy is not a standalone policy and can only be bought if you have a Medicare policy. In fact, it is binding by law by the entire private companies that if they want to sell you Medicare Supplement Plans then first they have to present in front of you Part A and Part B of Medicare plan!  If the private company do not abide by this particular law, then the insurance that they sell you will not be enforceable.

An Overview on Medicare Supplement Plans F (Medigap) Plans F

Are you planning to get Medicare Supplement insurance? If yes, they are known as Medigap plans that are Medicare Supplement plans. It pays the costs that have to be spent from the pocket for services uncovered by Original Medicare (Part A and B). Thus, it is crucial to select Medicare supplement plans that fit the needs of your health-care.

Medicare supplement plans have 10 standardized plans in each state and this excludes Wisconsin, Minnesota and Massachusetts as they have individual versions. Each plan is designated with a letter and is sold across the country by private insurance companies. The fact is that different insurers come with different prices, but the Medigap plan benefits are the same and standardized across the same letter. It also means that the Medigap Plan F coverage for instance will remain identical, from any insurance provider you buy.

Medicare Supplement Plans G, F and N provide mostly similar benefits, only with very few differences.

Plan F

This is a well-liked choice offering more coverage than other Medicare Supplement plans. It also includes Plan F, a high-deductible insurance plan with similar benefits as in standard Plan F, but wants you to give out of pocket a certain amount prior to the starting of the coverage.

Plan F benefits include:

  • Part A Medicare deductible
  • Part A Medicare-hospital and coinsurance amounts for more 365 days after using up Medicare benefits.
  • Part A Medicare copayment, coinsurance or hospice care
  • Part B Medicare copayment or coinsurance
  • Part B Medicare deductible
  • Part B Medicare excess charges
  • Blood first three pints
  • Foreign travel coverage during emergency
  • Skilled nursing facility

On choosing Plan F high-deductible, you need to pay for Original Medicare costs from your pocket until reaching ($2,180 in 2016), a designated amount that is prior to your policy paying anything. However, with the high deductible amount, your monthly premium becomes lower than the regular Plan F.

Medigap Plan F offers utmost benefits and so it is well accepted by people. However, usually it is expensive. This is not the case always and so you may shop by comparing and get a suitable plan that is best for you.

You may also find other Aetna Medicare supplement Plan G featuring lower premiums in comparison to Plan F. However, if you visit your doctor frequently or spend from your pocket often, Plan F is the best in association with Traditional Medicare costs.

Things You Should Know About Medicare Supplement Plan

The only person who can make your Medicare Supplement Plans 2018 is you, however, you might have to take a good look at the various plans that are in the United States of America.  For you to think about your medical condition and the insurance plan that you deserve, you need to make a good research. If you are new to getting a medical insurance, you need to do a lot of visiting to your doctor.

Do you know the plan that will cover every medical need you desire?  A Medicare Supplement plan is going to ensure you save cost when you are eligible to participate.  There are options available for you, if you are not ready to be frequenting hospitals, you can make use of either Plan A or B from the Medicare options and then go for prescription drug coverage. The latter option requires that you enroll in  a Medicare Advantage plan. It is important to know that it is not possible to use the Medicare Supplement plan in paying for your out of pocket costs. You should understand that the Medicare Advantage plan and the Medicare Supplement plan do not work together.

You should know that there is a lot to think about when you want to research on the Medicare plan option that you need.  Are you a senior or an elder who is 65 or above? You are eligible to apply for any of the plans. It is important that you make your decision prior to this age so that it will be easier for you to select the right plan.

The United States of America has different insurance packages and some states have their customized Medicare plans. For those who are not used to  visiting their doctors, they should can make use of the information they find online. However, there are insurance administrators who can help you make the right choice.

Do you have a medical insurance in your workplace or private one? Before you can make your choice on Medicare Supplement plans, it is imperative that you talk to your administrator first. They would be the ones to help you migrant to any of the Medicare plans. The Medicare plans have been labeled with capital letters to differentiate each other. However, the  Medicare Part A and Part B are mostly used when you are want to enroll into the Medigap plan.

The cost of any of the Medicare plan has been standardized by the government. This does not mean that when you make use of an approved insurance firm, that everything will be the same. There are a slight price changes among insurance firms. These differences have nothing to do with the standardized plans from the government. It has to deal with the state, the health status of the person and the Medicare plan that was selected. This is the reason why you should make your research first before you taking up an insurance plan.

Medicare Advantage plans, when can I sign for it?

Enrolling in Medicare Advantage Plans is possible only at few time periods.  It is a must that you know about the coverage period.  Firstly, it is the Initial Coverage Election period that starts instantly before three months you are entitled to Parts A and B Medicare. This ends in the last day prior to you having Part A and B Medicare or on the last day of Initial enrollment period of Part B, whichever is later.

In case, you have Traditional Medicare enrolled during the IEP Medicare initial period of enrollment or it fortunately has the same time for both, Initial enrollment and Initial coverage election period. This also may happen automatically. This initial period of enrollment start prior to your65th birthday month and continues after the birthday month for 3 months. Thus you can enjoy seven months availability for enrolment.


If you failed to sign for Traditional Medicare in the IEP time and this was because you have health insurance from the work place such as union or employer, then your period for the initial coverage election is the period of 3 months before the Part B Medicare start date. For instance, getting Part B Medicare enrolled in the General enrollment period that is during January 1- March 31, means the start date for Part B will be July 1.

The AEP, Annual election period is every year from 15 October to 7 December. This is the time you can switch from Traditional Medicare at this time to Medicare Advantage plans. In fact, doing so is really good during this period. Changing the plans of Medicare in this period refers to getting your coverage right from the following year beginning from January 1.

Nevertheless, in some case, changing Medicare Advantage plans is possible during the SEPs, the Special Election Periods. The situations qualifying for these include:

  • Moving to new place, address
  • Changes in current plan affecting health benefits
  • Qualifying for more coverage
  • Losing current coverage

Getting enrolled in MA plans and desiring to switch back to Traditional Medicare Parts A and B, can be done during the AEP or during 1st January to 14th February, every year during the period of disenrollment of Medicare Advantage plans.

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There are advantages in Medicare Advantage plans, but knowing the right time of enrollment and if required switching of plans time period is essential. You can also check the plans available in your area by comparing plans.

Quick Overview on the working of the Medicare Supplement Plans

The original Medicare, Part A as well as part B are able to pay for large number of your medical services and supplies; however it doesn’t pay for everything that you may need. That is the reason you might need to consider getting a Medicare Supplement plan which is also widely known as Medigap. Dissimilar to Original Medicare, a Medicare Supplement plan is basically offered through private insurance agencies. These Medigap policies or plans help an individual to pay a portion the health center costs and therapeutic costs that Original Medicare doesn’t cover, for example, copayments, coinsurance, and yearly deductibles.

United Healthcare medicare supplement additionally help an individual to pay for a couple of health services that Original Medicare doesn’t cover, for example, foreign health care or Part B excess charges. Just 20 percent of the Medigap policies incorporate a yearly out-of-pocket limit, which Original Medicare does exclude. Fundamentally, a Medigap plans fill the areas that left uncovered in Original Medicare.

Working of Medicare Supplement (Medigap) plans with Medicare:
Medigap plan supplements the Original Medicare benefits of an individual, which is the reason that these plans are likewise called Medicare Supplement plans. A person should be selected in Original Medicare to be qualified for Medigap coverage, and also that individual has to stay enlisted in Original Medicare for the doctor’s facility and the medical coverage. Medicare Supplement plans aren’t intended to give stand-alone advantages.

Contingent upon the area that you live in, you will be unable to get Medicare Supplement coverage in case you’re under 65 and have Medicare on account of any medical issue such as disability, amyotrophic lateral sclerosis, end-stage renal sickness. States aren’t required to offer Medigap coverage to any recipients who are under the age of 65. In case you’re under 65 and enlisted in Original Medicare, check with your state’s insurance office to see whether you’re qualified to select in a Medicare Supplement plan.

Remember that Medigap policies do exclude the coverage of prescribed drugs (Part D), so on the off chance that you need such coverage, you’ll have to enlist in a stand-alone prescribed Drug Plan. Additionally, you can’t utilize your Medicare Supplement policy to pay for costs you may have with a Medicare Advantage plan. Medigap protection must be utilized to take care of expenses in Original Medicare.

In the event that you have Original Medicare and a Medicare Supplement plan, the Original Medicare will pay in the first place, and your Medigap plan will fill in the cost gaps. For instance, assume you have a $5,000 bill for the ambulance, and you have just met the yearly Medicare Part B deductible. Medicare Part B will pay 80% of your ambulance charges. In case that you have a Medicare Supplement plan that includes Part B copayments and coinsurance costs, at that point, your Medigap plan would pay the left 20% coinsurance of your $5,000 bill. Some Medicare Supplement plans may likewise cover the Part B deductible.

Fun Technology You Probably Never Knew Existed


Did you ever think you’d see the day that drones would be flying around the sky taking beautiful, high quality pictures and videos from up above? Technology has come a long way since the days of toy cars, even remote control ones. Now we have small remote control rotary aircraft powered by our smart phones and capturing stunning images from the sky. What a time to be alive.


If you ever got into playing video games, ones more sophisticated than Atari’s classic Pong, you might be closer to being able to handle one of today’s smart drones than you think. Using just a smart phone connected to a remote control, an app on the phone controls the drone and shows you everything its high quality camera can see. This allows you to take pictures and videos of whatever it sees and create beautiful photos to enjoy yourself or even sell to others. That’s one way to spend your time other than researching Medicare supplement plans.

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Aside from the immense amount of technology that goes into these drones these days, it could also be pretty nostalgic and bring you back to your childhood days of flying model planes. It’s certainly a fun experience that would bring out the inner kid in anyone, and makes for a fantastic hobby during retirement.

If you’re really talented you could make a nice little income from it. Sell pictures and videos of property to Real Estate agents looking to showcase their listings in a new and fascinating way. Sell images as stock photos or license them out online for people to use for their businesses. Hang out at events and take breathtaking shots from above and sell them to the event organizers to market their event with in the future.


There are a multitude of ways to enjoy using a drone today, including making money from it. If you can stomach the cost of one, along with the cost of a smart phone, there are relatively few other costs associated with it. You might even want to get your drone pilot’s license if you get real serious about it and want to make money with it. Either way, it’s a great hobby to have and a great way to occupy your time, particularly if you also like to travel. A drone will let you see places you visit in ways you never could have imagined before.

Fun Hobbies to Try

In retirement you may be finding yourself with some extra time on your hands, even feeling bored at times. To keep yourself occupied and having fun, try some fun, new ideas that you just may want to turn into your latest hobby. Some Medicare supplement plans could even help with planning in some cases.



Try your hand at drawing or painting for a fun activity that could also be therapeutic for you. Find inspiration to paint from objects around the house, beautiful sceneries outside, or try to replicate existing pictures. Painting can be very relaxing and a great way to relieve stress. A beautiful finished product can be enjoyed in your home or given to friends or family, or you might even be able to sell it!



Biking doesn’t have to be a competitive sport, it may also be a relaxing way to get out of the house and see the beauty of your neighborhood or city. If you like adventure, explore trails or scenic paths on the bike. Use it to get across town for some nice exercise and fresh air, instead of taking the car.



Hone your picture taking skills while spending time exploring and enjoying beautiful sceneries all at the same time. Photography can be as easy as taking pictures of things you like, or as skill intensive as mastering the art of light and shadow. Regardless of how intense you want to get, it’s a fun hobby to take up and could even lead to some extra money in your pocket if people like your work.

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Perhaps you’re an imaginative story teller, or have some great knowledge or experience you want to document. Writing can also be very therapeutic and stress relieving, while the finished product could be enjoyable for you and your family or even sold. It doesn’t have to be a whole book. You could write articles on a certain topic of interest, short stories, a how-to guide, or keep a blog online of a special interest.



If you have a particular skill set or knowledge of a topic, it could be very enjoyable to teach a course on it. You don’t have to go all out and become a teacher, unless you want to do that. You can write down your course teachings and offer it online for those who are interested in your experience. Offer it for free or write an e-book to sell.

Medicare Advantage Eligibility: Some helpful tips

Once the person turns 65 years of age, he/she is likely to face age related health issues, for which it becomes crucial to stay adequately covered. People at this age qualify for the initial Medicare Enrollment period. During this time, they are eligible to buy 2019 Humana Medicare Advantage plans without requiring to give any answers related to their health. Seniors are likely to get only a single Enrollment period which begins 3 months prior to the month of the Medicare eligibility and finishes 3 months after eligibility month. The eligibility month is stated to be the month that the person turns 65 and become eligible to avail Medicare.

How initial enrollment period can be beneficial?

Initial enrollment period has been stated to be a wonderful opportunity for seniors to get hold of the much needed Medicare health insurance This is because, insurance providers tend to use medical underwriting to determine acceptance of the application or not. The person is free to purchase any of the Medicare Advantage plans during the Initial Enrollment period that is available in the region. Insurers cannot ask these clients any health related questions or deny issuance of the policy.

What can be availed?

It is necessary to note that people suffering from disability and at age 65 having Medicare are eligible to avail the 2nd Initial Enrollment Period. Similarly, anyone is eligible to avail Medicare at age 65, when applying for the initial time. In majority of the cases, Medicare Advantage plans tend to pay up for what is not covered by Medicare at the doctor’s office and hospitals. But it does not cover most prescription drugs.

It is important to enroll with Medicare Prescription Drug policy to get drug coverage. It is also called Part D and is a voluntary, separate insurance which when availed can help reduce out of pocket expenses when buying prescription drugs. Private insurance providers do offer Part-D drug plans with Medicare Advantage plans.

Even though Part D is considered to be ‘voluntary’, upon being eligible for Medicare, there are consequences to be faced for not enrolling with authorized drug plan. The penalty can be approximately 32 cents/month for the months when enrollment is not done. Penalty is regarded to be lifetime carry.

To determine getting the best available plan, it will be useful to compare the prices and benefits of the different Medicare Advantage plans. This is because, all advantages are standardized and the benefits and plans offered by different companies are the same.

How to Compare Your Coverage Choices

When choosing to look at Medicare plans, you should first choose which plan you need. This implies choosing whether you need unique Medicare or if you might want a Medicare advantage plan. Unique Medicare incorporates section A, which is hospital insurance, and part B, which is medical insurance. These plans are given by Medicare, and will give you your selection of hospitals and specialists, and in addition different providers. With plan B, you will ordinarily need to pay for a month to month premium. Subsequent to picking one of these plans, you may choose if you need part D Medicare, which is prescription drug coverage.


If you don’t need unique Medicare, your other alternative while you contrast Medicare plans is with pick a Medicare advantage plan. These may incorporate a PPO or a HMO plan. Part C of Medicare incorporates both section An and part B, which means you will have medical insurance and hospital insurance. You will approach private insurance organizations that are Medicare affirmed if you pick this coverage. The costs, tenets and additional coverage change contingent upon your plan. You will as a rule pay a month to month premium notwithstanding the premium you pay for part B, and also coinsurance and copayment.

medicare advantage plans 2019

When you think about every one of these plans, you may pick drug coverage for either plan. For unique Medicare, you are required to pick a prescription drug plan, which are controlled by Medicare affirmed privately owned businesses. For Medicare advantage plans, you may get prescription drug coverage if it is offered by your plan. If it isn’t offered by your plan, you may join a prescription drug plan offered by Medicare. For advantage plans, you needn’t bother with a Medigap approach. If you as of now have one, you can’t utilize it to pay for out of pocket costs that you have under your favorable position plan.


For supplemental coverage with a unique Medicare plan, you may pick a medicare advantage plan in 2019 to fill in holes of your insurance. These strategies are offered by a privately owned business. The expenses of the arrangements fluctuate by organization and strategy. Your association or business may offer coverage like this. You may get other coverage, for example, Veterans’ advantages, military advantages or association benefits. You may likewise join different kinds of health plans offered by Medicare. If you have restricted assets and wage, you may have different options or have the capacity to spare cash because of your conditions.

Retirement Advice From Active Retirees

Most working people imagine retirement with great visions of being on permanent vacation. That is not the reality for most retired people. There are over 10,000 baby boomers per day turning age 65 in the United States. Most retirement advice is targeted on the financial side of retirement. It is also helpful to think about the “softer” issues related to achieving a happy retirement. The following advice on retirement is focused on advice about living happily in retirement, not just paying for it. It seems to us that people who enjoy their retirement years are as focused on achieving their life goals, as they are their financial goals. The advice here comes from active experienced retirees, and from our observations about our clients who are retired. The emotional aspect of leaving the workforce can be jarring, and many new retirees have a tough time feeling productive with their new-found free time. Below is the retirement advice we got from current retirees.

Retire TO something you are passionate about, rather than retiring FROM work. People who retire to something they are excited about seem to be the happiest in retirement and are able to make the easiest transition into retirement. Those who retire from work without a game plan, a passion, hobbies, etc. often have a tough time mentally and emotionally making the transition. What are you passionate about outside of work?

Continue to work and expand your interests for as long as possible. By continuing to stay engaged in important regularly scheduled activities you retain your sense of purpose. You have a reason to get up in the morning. Working part-time, family support and/or volunteering can continue to provide purpose and meaning for your life. Retirement should not be driven by age but by a desire to do something else with the rest of your life. The people we see that seem to be the happiest are very busy in retirement doing many different things, including social interactions on a regular basis. They say “I don’t know how we had enough time to work before we retired!” Your work week provided a great deal of structure to your days. It is a good idea to create structure in your days as a retiree as well. One retiree recommends having a purpose in life beyond just having fun. Get out there and get involved!

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