Frequently Asked Questions
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How do I know which plan is best for me?
Each person's situation is different. However, the most popular plan is PLAN F, simply because it is very affordable and pays 100% of all copays and deductibles, on ALL Medicare approved charges.
Can I use my own doctor or hospital?
Standardized plans give you the freedom to use any doctor or hospital in the country that accepts Medicare. There are no restrictive networks.
How soon am I fully covered?
You are fully covered the first day the new policy becomes effective, there are no waiting periods on pre-existing conditions.
How do I know I can qualify for this new policy?
If you are turning 65 or enrolling in Medicare Part B for the first time, your acceptance is guaranteed. If you have been on Medicare Part B for six months or longer, you need to qualify by answering a series of health questions.
What if I contact you and I already have the best price available in my area?
Great! This means you probably have a really good agent. In fact, we have several really good agents that contract through one or more of our companies. We like good agents!
How do I change from an existing policy to a new one to save money on my premium?
We write up the new policy to become effective at a future date, usually 30 to 60 days out. You keep your current policy in force until the new one becomes effective. This guarantees you will not go without coverage.
I will be 65 soon. How soon should I purchase my Medicare supplement?
The open enrollment period allows you to purchase your policy up to six months before your 65th birthday. Most people take out their policy early to have it already issued and effective on the first day their Medicare starts.
Do I end up paying more if I buy my policy early?
No, not one penny more! Most companies require just a one month premium to issue the policy, then they do not bill you again until after the first month your policy becomes effective.