Because they are similar; you can expect similar benefits, but there can be price differences of over $600/year! That's $6,000, $12,000, $18,000, or even more over the life of your policy! At 65 or older, who wouldn’t want that extra money in their pocket?
Many consumers thought that pre-existing conditions and underwriting were eliminated with the Affordable Care Act. Not so for the over 65! Underwriting is where insurance companies assess the risk there may be due to your medical conditions. Since it is unlikely that you will be able to change Medicare Supplement plans in the future because of medical underwriting, you need to make the right choice the first time.
With the exception of open enrollment in New Hampshire, (a six-month period when you first become eligible), insurance companies selling Medicare Supplements do not have to accept your application if you can't meet their underwriting guidelines. At Free Agents NH, LLC we can help you compare and find your best value.
Our name Free Agents NH, LLC tells a part of our story. Our help is FREE. We are paid by the insurance company that you select. The price for the insurance is the same with or without our help. We are FREE to represent multiple plans instead of being captive agents only able to tell you the story that our parent company allows us to tell. Think about this. If you call a company that sells Medicare or GAP insurance, what product are they going to tell you about. Only their product. You could call each company to try to compare and compile facts from each or you could call an independent Medicare agent that does this everyday like Free Agents NH, LLC and get the facts made easy to understand. Large companies won’t tell you:
- Some companies even have household discounts that reduce the price even further by an additional 10-12%. One company that we really like will give you a household discount of 12% just because you have a household member over 60 but not enrolled.
- Some companies historically have had lower price increases while others are more volatile.
- Some companies are brand new and others have been in business over 50 years.
It is extremely important to pick the right company when you can age into Medicare and make a choice without underwriting, because selecting a Medicare Supplement Insurance plan is likely a decision that lasts a lifetime.
Give Free Agents NH, LLC a call to get all the facts and find the lowest cost on the right Medicare plan from a 15+ years experienced Medicare agent. Our goal is to educate consumers on all the options - Medicare Supplement and Advantage Plans. We will compare the benefits, costs and shortfalls of each option so you can make the decision of a lifetime. Also, we will help you to select a Part D drug plan. We do this at no cost, simply as a courtesy to help our loyal clients and will provide a report from Medicare.gov with all the options in your county.
Give Free Agents NH, LLC a call for unbiased guidance and ongoing support at 603-527-8117.
We have offices in Windham, NH and Laconia, NH; or we can also come to see you.