If you're confused and wondering how to shop for Medicare Supplement Insurance.
Don't worry, you're not alone.
And it's not your fault.
After all, you're getting tons of mail in the mailbox.
Probably phone calls night and day.
Especially if you're just turning 65.
And then you've got all of those endless Medicare commercials on TV.
Well, my name is Russell Noga with Medisupps.com.
I'm going to teach you how to shop for Medicare supplemental insurance.
And even if you don't end up using me as your agent, which I hope you do,
these steps are the only ones you should take when shopping
for Medicare Supplement Insurance.
My name is Russell Noga. I'm the founder of Medisupps.com.
We're an online Insurance Agency for Medicare supplement plans,
helping seniors in every state to save money.
And we shop all the top companies, not just one.
And you never pay us a dime for our services.
Now, when it comes to Medicare or Medigap insurance, or Medicare Part D drug plans,
they don't have to be as confusing as it seems.
I understand with the stacks of literature you're getting in the mail.
And you should try and read through that.
But my videos break it down easier than anybody else.
And I like to keep things easy.
I want you to learn this, the fast and easy way.
But also protect yourself, make sure you don't overpay with all this stuff.
Now in this video, I'm going to cover the most important steps that you should take
when shopping for a Medicare supplement plan.
And a supplement plan does just what it sounds like.
It supplements expenses in Part A and Part B Medicare
that you are required to pay.
And depending on which plan letter you choose, it will help pay some
or all of those expenses.
So I highly recommend my videos to help get educated first.
Now you can call us at any time at 1-888-891-0229.
Of course, we'd love to answer your questions by phone, that's a lot easier.
However, one thing I would suggest you do not do is put your name into
all the various websites.
Now at Medisupps.com, I am one of the very few websites that shows you quotes.
And we don't bombard you with phone calls.
It's only myself and my top agent Diana Firth, and that is it.
Most of the companies out there will either sell your name, if you put it into a
website, or they won't show you quotes, almost none of them do except for us.
And again, you'll get bombarded by phone calls.
Some people are saying they're getting calls up to 30 or 40 a day.
I would recommend not doing that.
If you want to see quotes, you can go to our website for sure.
Or give us a phone call.
So the next step when it comes to shopping for a Medicare supplement plan is
I would highly recommend you work with an independent agent.
Now yes, I would love for that to be me.
However, even if it's not me,
I would still suggest you do work with an independent agent.
Why is that?
Well, you have what's called captive agents or independent.
Captive typically only represent one company.
The reason why that's so important is Medicare supplement plans are standardized.
That means they are the exact same coverage,
no matter which company offers them.
However, here's the kicker:
every company charges different rates for the exact same thing.
If you work with a captive agent, they only sell one company.
Are they the lowest premium?
Probably not.
In fact, I would guarantee almost never is a captive agent selling that one company
at the lowest premium.
Well guess what, they're not going to tell you what the other premiums are
with other companies.
Independent agents like myself, we shop all the top companies.
You pay the same whether you went direct or not.
We're not allowed to charge any extra fees, and we don't. You pay the same.
But you get the luxury of seeing what every company is charging.
And we do that every year for you because you're going to get rate increases.
Now, like I mentioned, you are going to have to work with an agent to sign up
even if you call the insurance carrier direct, which again, they're captive.
I wouldn't do that.
You're going to have to speak to an agent sooner or later.
So, what could you have on your side?
Well, the fact that that agent represents many of the top companies
if not all of them,
so they can shop those rates.
Because whether it's a Medicare Plan G or a Plan N
Or whatever plan letter you're interested in, you're going to pay a different rate
based on which company is offering that coverage.
However, that coverage will still be the same thing.
So, very important that you educate yourself.
And I recommend, again, watching all my videos to do that.
Or just call us.
Again, our phone number is 1-888-891-0229.
And then also making sure you're working with an independent agent who could shop
all of those premiums for you.
Again, if you'd like to get quotes, you can always visit Medisupps.com, where I am one
of the few websites that does offer to show the rates online.
It's very expensive for me to do that.
A lot of companies won't even go near that.
But I want to make sure you're educated.
You get all the information.
Even before we talk, to show you that we're coming from the right spot.
So again, my name is Russell Noga with Medisupps.com.
We'd love to speak with you today.
Give us a call at 1-888-891-0229.
We'll get you in the best spot with your Medicare Supplement Insurance now,
and for years to come.