Don’t Get Trapped With The Wrong Medicare Supplement Plan, Use EZ

It happens more often than you think: Medicare beneficiaries looking for a Medicare Supplement Plan work with an insurance agent who only wants to make a sale, and they end up with a useless or overpriced plan. While we’re definitely not saying you shouldn’t work with an agent – there’s a lot you need to know when looking for a Medicare Supplement Plan – we are saying it’s important you work with the right agent. The best way to find the right plan for your specific needs is by working with EZ; with us, you won’t have to worry about being steered wrong, because our agents are not only knowledgeable, but we genuinely care about helping you – and our services are always free!

We’ve Seen It Time & Time Again

hands holding 2 pieces of paper with a calculator next to the hand
Sometimes people will buy a Medicare Supplement Plan to cover their needs, but then receive a large medical bill in the mail.

We’ve seen it all before: people often come to us disheartened because they worked with another agent and ended up with a Medicare Supplement Plan that is actually too expensive for them, or that doesn’t have the coverage they need. For example, we recently helped a new client who had purchased Medicare Supplement Plan K on the advice of their former agent, who had said it was the right choice for them. It was only after they received an unexpected $1,000 bill from their gastroenterologist that they learned Medicare Supplement Plan K only covers 50% of Medicare Part B coinsurance, unlike other plans which cover it 100%, like Plans A,B,C,D,G,M, and N. Fortunately for the client, they were within the time frame of their Open Enrollment Period, and we were able to find them a better plan without them having to go through medical underwriting. 

We’ve Got You Covered

You should be aware, though, that even if your Medicare Open Enrollment Period has passed, you can still switch your Medicare Supplement Plan, with a little help from EZ. You have the option to change your plan at any time, the only difference is you might have to go through the underwriting process – but don’t worry! This doesn’t mean that one of our agents won’t be able to find you an affordable plan. Unlike other companies, we can deliver this promise because we work with the top-rated insurers in the country, and we can compare plans to help you find the perfect one for you, no matter what plan you got stuck with before! 

Our Promise To Youtwo caucasian hands shaking

The whole reason we started EZ.Insure is that we got sick and tired of seeing innocent people get taken advantage of. We wanted to change the game by offering our customers highly-trained agents who will compare all available plans, as well as be totally transparent with you; that’s why we always allow you to see all the plans they have access to, while they explain the benefits, costs, and coverage options of each plan, so you can make an informed decision. 

We know there are a lot of insurance agents out there, but it’s important not to trust the wrong people to help you, because this can end up costing you a lot of money. At EZ, our main goal is to get you the best plan possible; we’re not looking to make a quick buck off of you, which is why our services are always free! We will assess your needs, compare Medicare Supplement Plans, and sign you up at no cost to you. Finding the right plan will help you begin saving more money, and relieve some of the stress of worrying about medical expenses. There are 10 different Medicare Supplement Plans to choose from, so make sure you work with the right agent to get the right one for you. To get free instant quotes,  enter your zip code in the bar above, or to speak to a local agent, call 888-753-7207.

Everything You Need to Know About Renewing Your Medicare Supplement Plan

Are you thinking about purchasing a Medicare Supplement Plan, or have you already signed up for one? Great choice: while Medicare covers most of the medical services you’ll need, there are still out-of-pocket expenses for beneficiaries, including a 20% Medicare Part B coinsurance and Parts A and B deductibles. This can add up to a lot of money, so having a Medicare Supplement Plan to fill the gaps in Original Medicare is definitely the way to go! But if this is your first time dealing with one of these plans, you might be unsure exactly how they work: are they like individual plans in that you have to choose a new one every year? Do you have to renew your plan or does it renew automatically? Do the rates go up? Can you change plans if you aren’t renewing it? Fortunately, there are simple answers to all of these questions!  

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When your Medicare Supplement Plan renews, you are approved regardless of your health status.

Guarantee Renewable

When it comes to renewing your Medicare Supplement Plan, there’s actually nothing you need to do except pay your monthly premiums: these plans renew every time you pay your premium, and there’s nothing you need to do annually to renew them. And not only that, but the plan cannot drop you: Medicare Supplement Plans are what’s known as “guarantee renewable,” so you can keep your plan for as long as you like, regardless of your health, your location, or any other factors that can change in your life. 

Rate Increases

One thing that many Medicare beneficiaries are unaware of is that the rates for Medicare Supplement Plans typically increase every year. Your insurance company will notify you of any rate increases 30-45 days before the new rates go into effect, so look for any information as the end of your plan year rolls around; if you find that rates are increasing too much for you, you do have other options. 

Changing Medicare Supplement Plans

If you’re unhappy with the price of your plan, or if your circumstances change and you find you need a different level of coverage, you have the option to change your Medicare Supplement Plan under certain circumstances. You can switch plans:

plan a scratched out, plan b scratched out, and plan c left
If your plan doesn’t suit your needs, EZ can find you a better plan that does.
  • During your 6-month Medicare Open Enrollment Period.
  • If you lose your plan through no fault of your own.
  • Within 30 days of enrolling in your current Medicare Supplement Plan. You have a 30-day “free look period” to test out your plan and make sure it’s right for you. 

If you want to switch plans outside of these circumstances, you will have to go through the underwriting process and answer some health-related questions, such as:

  • Do you have diabetes with major complications?
  • Have you had a heart attack in the last year?
  • Have you been diagnosed with major heart conditions or cancer in the past 2-3 years?

If you have any health conditions like the ones asked about above, you could be denied coverage, or be charged more for your premiums.

If you are looking for a Medicare Supplement Plan, or want to change your current plan, come to EZ.Insure and speak to one of our knowledgeable agents. We understand that you want to find great coverage at an affordable rate, especially if you’re living on a fixed income, so we’ll  compare all available plans in your area to find the right one for you. We work with the top-rated Medicare Supplement Plan insurance companies in the country and can find you a plan that could save you hundreds of dollars each year! To get free quotes, simply enter your zip code in the bar above, or to speak with a licensed agent, call 888-753-7207.