For anybody who started shopping for Medicare Supplement Insurance for the
first time, they most likely said,
"Holy moly, there are a lot of choices out there."
You've got a lot of companies to choose from, you've got a lot of plan letters
to choose from.
And believe me, I know, it can get very, very overwhelming.
I started this journey in Medicare about 11 years ago, when I was shopping for a
Medicare Supplement Plan for my own mom.
And I know how crazy it can get, with all the agents calling you non stop if
you put your name online.
Believe me, I've been through it all.
Now, I've decided to come up with what I think is the best solution in helping
people with their Medicare Supplement Insurance.
Hey, my name is Russell Noga. I'm the owner of Medisupps.com. And that's what
we do.
We're an independent agency, helping people like yourself, weed through all
of this crazy information and get right down to it to find you the best coverage
for the lowest premiums, and we do that every year for our clients.
Now, regarding some of those companies that are available.
Well, there's going to be a number of names that you likely have heard of and
quite a few you probably haven't heard of, especially if you're new to
Medicare.
But one name that stands out and we've been writing since I got into this
business is Aetna.
We're going to be talking about Aetna Medicare Plan G specifically today,
because now Plan G is the most popular plan available, especially for people
new to Medicare.
And I'll go over the benefits and what Aetna has to offer when it comes to, not
just those benefits, but they're low premiums as well.
Now, Aetna is actually a family of companies are owned by CVS.
And there's a number of different names that we see of these subsidiary
companies under Aetna.
And we come across those, and you may see some of those yourself.
Aetna Health and Life is one of them. American Continental is another.
Continental Life is another, and Accendo Medicare Supplement is another one.
So, quite a few, as you can see.
However, most of them offer the same plans which of course, have the same
coverage within them.
They offer different premiums even if it's outside of Aetna's family of
companies, which is why we shop all those rates.
Now, before I get into the details of Plan G, let's just talk a little bit
about Aetna Medicare Supplement Plans in general.
One important thing to remember when you're shopping for this coverage is
that every insurance company has the exact same Medicare supplement plans.
So whether it's Aetna Medicare Plan G or Mutual of Omaha, Medicare Plan G or any
other company out there, it's the same plan G, the same benefits within each
plan letter.
So you might be asking. "Russell, how do we know which company to pick then?"
Well, that's the big factor because they all charge different premiums.
Now, Aetna Medicare Plan G has outstanding premiums, very competitive,
almost always at the top of the list and the lowest premiums when we run
quotes for people.
They also offer a 7% household discount if you and your spouse are both applying
You live with somebody who's also applying for the coverage.
So let's dig into the benefits of an Aetna Medicare Supplement Plan G.
Now, Plan G is the easiest plan to talk about because it's extremely easy when
it comes to the coverage, and what you're required to pay out of pocket
each year.
Aetna Medicare Supplement Plan G pays 100% of the gaps of Medicare Part A and
B after you simply pay the annual Medicare Part B deductible.
Now, what are gaps?
Well, gaps are just expenses, things like co-insurance, deductibles or
co-pays that you're required to pay with Medicare.
You see, Medicare Part A and B: Part A being hospital A and Part B being doctor
services, they don't pay all of your medical bills.
So these gaps or expenses are usually covered by, either yourself paying them
out of pocket or you get on a Medicare Supplement Plan and they help pay them
for you.
Now, we are in 2020 right now and the Medicare Part B deductible is $198.
Now, how does that work?
Well, the Part B deductible is a set amount each year for that calendar year.
Medicare comes out with it late in the year, which is why I don't have the 2021
amount now, because they haven't given it to us yet.
However, it's $198 for 2020.
A deductible is simply an amount of money that you need to pay prior to your
insurance kicking in and paying.
So this $198 is the amount for 2020, and that is once per year.
So once you pay this deductible, let's say you pay it in January, you're
covered for the rest of the year that deductible is met.
And it's not a Plan G deductible. It's certainly not an Aetna deductible.
That is the Medicare Part B deductible,
Before Medicare will come in and pay 80% of your bills, you have to pay this
deductible.
With Plan G of course, same thing, you pay the deductible yourself and then
Medicare will come in and the Plan G will come in pay 100% of the rest of
your bills for the rest of the year.
Fantastic coverage, as you can see, and that deductible resets in January.
So at that point, you'll have to pay the next year's deductible on a Plan G, and
then you get the 100% coverage again.
So I'm sure there's still a lot of you out there who have held on to your
Medicare Supplement Plan F.
Now, what Plan F was, or is, is that it covers 100% of the gaps in Medicare.
Well, the only gap that plan G has is that Part B deductible, and we know in
2020, as I just said, it's $198.
Plan F pays that for you.
If you're paying more in premiums than $198 to have that Plan F and them write
the check for you, you're giving away money, just so they write a check for
you, which is what, five minutes of time?
It's automated for them. Piece of cake.
They keep the rest of your money, though.
I've run quotes all week long switching from Plan F to G, which we do about six
to eight people a day, sometimes more,
and it's usually 300, 400 or 500 extra dollars a year to have Plan F.
Now, we know the difference between the two Plans, F and G is just who pays that
$198 deductible.
Again, here in 2020. 2021, will be a little more.
So if Plan F pays that $198 deductible for you, and you're giving them 500
extra dollars a year to pay the deductible for you.
That is $300 worth of what I call a service fee, the most expensive service
fee in the world to write a check with your money.
Plan F also has higher rate increases each year, because it's a closed book of
business.
They're not offering it to anybody who's coming on to Medicare new anymore.
So I highly encourage you to let us shop the rates for Plan G for you if you
still have that Plan F.
The savings are massive. And you get low rate increases.
And all you have to do is take five minutes each year, write a check for the
deductible amount.
A little bit about Aetna Medicare Supplement Plan G rates,.
Well, I don't have a set rate book that I can give you. And there's, of course,
millions of people watching this video right now, I hope.
I don't have a set rate, because rates are determined based on many different
factors.
Things like zip code, age, tobacco, use your gender, whether you get a household
discount or not.
So we'll have to go to our quoting system. Or you can visit Medisupps.com,
right on my website.
I'm one of the very few sites out there, if not the only one now, I don't know,
that actually shows you quotes.
And this is because we want to earn your trust.
I don't lead you down a path of just get quotes here, get quotes here. You put in
all your information and it says, "Thank you. 40 agents will call you."
Because that's usually what happens, they sell your name.
We don't do that. We're a small group here at Medisupps.com. Been doing this
for over a decade now.
But we actually show the rates on our website
And we show Aetna Medicare Supplement Plan G rates on there.
Or you can just simply give us a call. That's the easiest way.
I'll enter your factors into the quote engine and let you know how much Aetna
will cost.
So, give us a call now at 1-888-891-0229.
Or visit Medisupps.com where you can get rates online.
We look forward to helping you soon, whether it's Aetna or a different
company, or even a different plan.
There's Medicare Supplement Plan N as well.
Call us, ask us all the questions you've got. We're here to help.
And we look forward to speaking with you soon.