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Saving on Your Medicare Supplement

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If you're currently on a Medicare Supplement plan and are looking to switch to a lower-priced plan, or maybe just the same plan with a lower-priced carrier, you're doing the smart thing. You should always price shop your Medicare Supplement plans at least once every 18-24 months, because most carriers change their rates every year.

You can change your Medicare Supplement plan whenever you want
Yes, it's true. A lot of people don't realize that the annual election period in the fall every year has nothing to do with your Medicare Supplement plan. That's when you choose your Part D plan, or if you're on a Medicare Advantage plan, that's when you enroll in a plan for the following year.

That's good news, because as we just mentioned about

Most states require you to answer health questions when you switch
Some states are what are known as "Guaranteed Issue" states. That means that there are certain times each year where you're allowed to switch without answering any health questions whatsoever. If you live in any of the following states, you have that ability, and we'd be happy to do review your coverage options with you:
  • California
  • Oregon
  • Washington 
  • Missouri
  • New York
  • Connecticut
  • Vermont
For everyone else, once you're past your initial enrollment period when you first start Medicare, the insurance companies are allowed to ask you a series of health questions before they decide whether or not to accept you to a new plan. They'll also ask you what medications you're currently taking.

In the past five years, have you had/been diagnosed with:
  1. Cancer?
  2. Heart attack?
  3. Stroke?

Each company's questions are a little different, but if you can answer no to those three questions, there's a good chance you'll be able to qualify for coverage. Of course there are other questions to answer as well, but we've found that these are the top three reasons why people are declined for coverage. 

Also, just because you've been declined for coverage, it does not mean it's a permanent decline. This just means that the insurance company won't cover you right now. If you stay healthy and can answer no to all those questions in the next year or so, often times you can be covered, and save some money in the process.

Let us show you how we can help
Just fill out our secure form below and tell us about your situation, and ask any questions that are on your mind. We never sell your information, or give it out to other companies. We'll get back to you as soon as possible with the information you need.

    Fill Out Our Secure Form​ or call us at 800-701-3951

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  • Start Here
    • Turning 65 or New to Part B
    • Saving on Your Medicare Supplement
  • Contact Us
  • About
  • Blog