Medigap 4 Seniors
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Comprehensive Health Coverage Options

Comprehensive Health Coverage OptionsComprehensive Health Coverage OptionsComprehensive Health Coverage Options

Explore affordable health insurance plans for businesses.

Get a Free Quote

888.502.5553

Comprehensive Health Coverage Options

Comprehensive Health Coverage OptionsComprehensive Health Coverage OptionsComprehensive Health Coverage Options

Explore affordable health insurance plans for businesses.

Get a Free Quote

888.502.5553

Leading Companies We Deal with

Affordable Health Insurance Plans

Your Medicare Situation

Your Medicare Situation

Your Medicare Situation

 Here are some of the great features the right Medicare supplement plan will provide you:

All Medicare approved claims are paid at 100%.
Choose any doctor or hospital that accepts Medicare.

There are no networks with plans.

Medicare Basics

Your Medicare Situation

Your Medicare Situation

 With The Right Medicare Supplement Plan:
There are NO:

  • Deductibles
  • Copays
  • Claim Forms
  • Paperwork
  • Out of Pocket expenses

Healthcare Plans

Your Medicare Situation

Healthcare Plans

 When purchasing health insurance, your choices will typically fall into one of three categories:

  • Traditional fee-for-service health insurance plans
  • Health Maintenance Organizations (HMOs)
  • Preferred Provider Organizations (PPOs)

Why Choose Medigap 4 Seniors?

Medicare Supplement Plans Savings

 Save time and money by having one of our trained Medicare insurance specialist answer your questions and shop the lowest Medigap rates in your area in the comfort of your own home.

Fill most or ALL of the Gaps in Medicare Insurance Coverage for Less When You Compare Medicare Supplement (Medigap) Plans and Medigap Rates from Top Rated Supplemental Insurance Companies 

Medigap Plans and Healthcare Plans

 Medicare Coverage are the services that you need covered in your Medicare Plans. Other Coverage that you have – Do you have other types of health or prescription drug coverage? If yes, make sure you know how that coverage works with Medicare Insurance. If you have employment-related coverage, or get your health care from an Indian Health or Tribal Health Program, talk to your benefits administrator or insurer before making any changes.

Medicare Costs

 You should know how much your premiums are for your Medicare Supplement Plan. How much do you pay for services like hospital stays or doctor visits? Is there a yearly limit on what you could pay out of pocket for medical services? Make sure you understand any medicare coverage rules that may affect your costs.

Your Choice for Doctor and Hospital – Do your doctors accept the coverage? Are the doctors you want to see accepting new patients? Do you have to choose your hospital and health care providers from a network? Do you need to get referrals?

Prescription Drugs

 What are your drug needs? Do you need to join a Medicare drug plan? Do you already have creditable prescription drug coverage? Will you pay a penalty if you join a drug plan later? What will your prescription drugs cost under each plan? Are your drugs covered under the plan’s formulary (drug list)? 

Quality Care Assurance

 The quality of care and services given by Medicare Plans and other Medicare providers can vary. See Medigap 4 Seniors Medicare Plans and compare plans by states and providers. 

Easy Enrollment Process & Convenience

 Does the plan include the doctors you see and the pharmacies you use? Can you get your prescriptions by mail? Do the doctors use electronic health records or E-prescribe? 

Have a Medicare Supplement Plan, but looking for Better Rates?

It’s a very common situation that a Medicare insured be experiencing. We have found, in many cases, where Medicare agents do not re-evaluate the provided Medicare Insurance Plan. That’s why the Medigap rates may go up, without the client being aware. This leaves the client in search of another looking for other, less costly, Medicare Supplement Plan.


Our agents can help you to find another Medicare Coverage provider that can provide the same plan that you currently have, and possibly at a lower cost to you. In any case, It will be best rate available for you. Your Medigap4seniors agent can make the process of switching insurance companies very easy for you, and your agent will handle all situations for you over phone. This whole process will be very Simple and convenient.

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Affordable Health Insurance Plans

Welcome to Medigap 4 Seniors Health Insurance

Health insurance commonly used in the United States that helps you to reduce the burden of paying high medical expenses. Health Insurance can be privately purchased insurance, social insurance or a social welfare program funded by the government.

It’s important to have health insurance to protect your health and finances. If you don’t have any health insurance as of now then you can enroll yourself in Open Enrollment Period which began On Nov. 1st. You can enroll under the Affordable Care Act in this New open Enrollment Period (OEP).

Get a Quote

 To speak with a licensed agent, drop us an Email or Call Medicare4seniors Agents at 888.502.5553 today! 

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Frequently Asked Questions

Please reach us at colette@cmsinsurancemarketing.com if you cannot find an answer to your question.

 Standard Medicare, Part A and Part B, is known as Original Medicare. It is a federal health insurance for people age 65 and older, under age 65 with certain disabilities, and any age with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant) who are a US citizen or have been a permanent legal resident for at least 5 continuous years, regardless of your income. Original Medicare (Part A and Part B) covers many health care services and supplies, but there are many costs and co-payments (gaps) it doesn’t cover. 


Sometimes referred to as Hospital Insurance, Medicare Part A covers inpatient hospital, skilled nursing facility, home health care and hospice care. Part A also pays for all but the first three pints of blood in a calendar year. There is a deductible per benefit period and co pays required after 60 days in the hospital. A Benefit period is the time spent in the hospital and 60 days after your release. It is possible to have to meet more than one deductible within a calendar year which could result in sizable out-of-pocket expenses. 


Sometimes referred to as Medical Insurance, Medicare Part B covers reasonable and necessary Medicare medical services, including doctors’ services, laboratory and x-ray services, durable medical equipment (wheelchairs, hospital beds etc.), ambulance services, outpatient hospital care, home health care, blood and medical supplies. In most cases, Medicare Insurance pays 80 percent of the cost of covered services. Medicare Part B also pays for some preventive services. The deductible is less expensive than Part A and is based on a calendar year. 


Medicare Part D is the name for the Medicare Prescription Drug Program which began in 2006. Under Part D, the Centers for Medicare and Medicaid Services (CMS) contracts with private insurance companies to provide prescription drug benefits to Medicare beneficiaries. In order to get benefits under Medicare Part D, Medicare beneficiaries must enroll in one of the Medicare Part D plans offered by these private insurance companies (there are many plans available to choose from). Beneficiaries must pay premiums, deductibles and co-payments set by the plans. 


Most Medicare recipients need additional coverage for the items that Medicare does not cover (gaps in coverage). Medigap insurance helps pay some of these health care costs (such as copayments, coinsurance, and deductibles) that Medicare won’t pay. These medicare supplement plans are sold by private insurance companies. Every Medigap insurance policy must follow Federal and state laws designed to protect you. Insurance companies can only sell you a “standardized” Medigap policy designated by letters A through N (non-inclusive). If you are in Original Medicare and you have a Medigap policy, Medicare will first pay its share of the Medicare approved amounts for covered health care costs, after that your Medigap policy pays its share. 


Insurance companies can only sell you a “standardized” Medigap policy. These policies must have specific benefits for easy comparison. Insurance companies that sell Medigap policies don’t have to offer every Plan (A through N). However, they must offer Basic Plan A. 


The best time to buy a Medigap policy is during your Open Enrollment Period. This period lasts for 6 months and begins on the first day of the month in which you and your spouse are 65 or older and enrolled in Medicare Part B. During this period, an insurance company can’t use medical underwriting. This means the insurance company can’t refuse to sell you any Medigap policy it sells or make you wait for coverage to start. They are not allowed to charge you more for a policy because of your health problems during this open enrollment period. 


Guaranteed issue rights (also called “Medigap protections”) are rights you have in certain situations when insurance companies are required by law to sell or offer you a Medigap Insurance plan even if you have health problems (called “pre-existing conditions”). A pre-existing condition is a health problem you have before the date a new insurance policy starts. In these situations, an insurance company must sell you a Medigap policy and cover all your pre-existing conditions. They can’t charge you more for a policy because of past or present health problems. 


If you apply during your open enrollment period you can buy any Medigap policy the company sells, even if you have health problems (pre-existing conditions), for the same price as people with good health. If you apply for Medigap coverage after your open enrollment period, there is no guarantee that an insurance company will sell you a policy at all if you don’t meet the medical underwriting requirements. 


Each Medigap insurance company decides how it will set the price, or premium, for its Medigap policies. It is important to ask how an insurance company prices its policies. The way they set the price affects how much you pay now and in the future. Medigap policies can be priced or “rated” in three ways -Community-rated (also called “no-age-rated), Issue-age-rated and Attained-age-rated. 


Monthly Premium costs are the same regardless of age. They can increase because of inflation. 


Monthly Premiums are based on your age at the time you buy your policy. Premiums are lower for those who buy at a younger age and won’t change as you get older. They can increase because of inflation. 


The monthly premiums are based on your current age so your premiums go up as you get older. The cost may be the least expensive at first but they can eventually become the most expensive. Premiums can increase because of inflation. 


The cost of Medigap Insurance policies can vary widely. There can be large variations in the premiums that different insurance companies charge for exactly the same coverage. Fill out the medigap quote form on this page to get precise quotes. Based on the information you provide us, we can target and compare the best Medicare Supplement Plan for you. You will receive a quote in just seconds. 


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Medigap 4 Seniors

3590 Lansing Loop, #204, Estero, FL 33928

888.502.5553 colette@cmsinsurancemarketing.com

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