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"Nice to know
that I'll be well taken care of.
Thank you
Tom, for your
interest in my
physical welfare.
It is refreshing to know some
one cares about
something besides
making money.
God Bless you
and yours."
Leo Bors-
Phoenix, AZ
Call
800.547.1567
if you would like an agent to assist you
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On this page:
Idaho Rates & Companies
Medigap Facts & Information
Idaho Rates &
Companies*. Showing the top two companies
ranked by price. Companies not listed have a higher price. Since Medigap plans
are standardized by federal law the only difference between the coverage under
each plan is the price.
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AARP by
United HealthCare
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Blue Cross of Idaho
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Humana
(credit card payment available)
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SecureHorizons by United HealthCare
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United
Commercial Travelers
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United
Teachers Associates Insurance Company
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United
World Life Ins. Co. (Mutual of Omaha)
These rates show the range from
low to high for each plan and company.
PLAN F
United World Life Insurance Company (a
Mutual of Omaha company)
$135.41-$180.51 monthly
United Commercial Travelers of America
$100.33-181.12monthly EFT
AARP by United
HealthCare
$159.50 monthly
PLAN G
United World Life Insurance Company (a
Mutual of Omaha company)
Female $99.47-152.42 monthly
United Commercial Travelers of America
$79.62-155.10
monthly EFT
PLAN J
Blue Cross Idaho
$144.10-$206 monthly
AARP by United HealthCare Insurance
$167.50 monthly EFT
If you would like information about the Medicare
Advantage plans let us know. There are Medicare Advantage
plans that provide
excellent coverage
with premiums as low as $0 per month with low co-payments
that include drug
coverage and no network restrictions. This is often a good
choice for people
that are in good health and aren't sure if they will outlive
their savings or income.
Medigap Facts & Information:
Choosing A Medigap Policy: A Guide To Health Insurance For
People With Medicare - 02110. This booklet
contains information on choosing
a Medigap policy to supplement the original Medicare plan. (56 pages). We
can also mail you a copy if you wish.
If you are
interested in learning more about these products please contact us.
We recommend that
you keep Original Medicare and get a Medicare Supplement
in areas that have limited coverage, for people that have ongoing health issues,
or people that travel or reside in more than one state.
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Medigap
plans have been standardized by federal and state law. Standardized
plans are designated by the letters A through L.
Standardized means that no
matter who you buy the plan from it will be
the same.
-
You can change Medigap plans
at any time if you health qualify. Health
qualify means answer no to a short list of questions and if being treated
for a chronic illness being stable on the same medication for 2 years. We
represent several carriers and can get coverage for 95% of the people that
we help apply for coverage.
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Medigap
plans do not include drug coverage which must be purchased
separately.
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You
have certain rights under Medicare rules to join or rejoin Medigap
plans as a guaranteed issue. Those rights are listed in Section 3 of
“Choosing a Medigap Policy”.
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The
most common plan chosen is Plan F. With a plan F most people will
have no out of pocket expenses other than the premium, and drug coverage
which must be purchased separately. Plan G is a lower priced option chosen
by many people. With Plan G you pay the Part B deductible and 20% of
excess charges. Excess charges of 15% above Medicare’s fee schedule
can only be charged by providers that do not accept Medicare. Since 90%
of providers are Medicare providers this might not ever happen.
For more information or to look at enrollment materials to help you decide if
you
qualify or are interested in this coverage give us a no obligation call
to discuss your situation.
*Household discounts and a discount for automatic payment may apply. Rates
are subject to change. Actual rate will be determined upon acceptance
into
the program based on eligibility criteria and your medical conditions, if
applicable. See plan documents for full details. Never cancel other insurance
before receiving acceptance in writing from the carrier.
**The 2009 rates for AARP Medicare Supplement Plans are not finalized. Plan
rates shown in the enclosed materials reflect our current rates for 2008. If
there is a rate change in your state, please be assured that rates will take
effect no sooner than January 1, 2009. Medicare will raise its deductibles and
co-payments for 2009 – just as it has for the past 37 years. When this happens,
the benefits of all AARP Medicare Supplement Plans will be adjusted to conform
to the new Medicare deductible and copayment amounts.
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