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Turning 65 - Steps To Enrolling In Medicare
Medicare Plans

Turning 65 – Steps To Enrolling In Medicare

by Kimberly Johnson
written by Kimberly Johnson
Turning 65. A milestone. Qualifying for Medicare means a whole new world of healthcare options. But there are many questions that come with a comprehensive health plan such as Medicare. “What do all of these Parts and Plans mean? When do I need to enroll? What plan offers the best coverage? Have you seen how much mail I have gotten about Medicare options?” Turning 65 – Steps To Enrolling In Medicare
We completely understand! It can be totally overwhelming, to say the least. The transition onto Medicare can be completely painless and simple if you know the proper steps to take.
There are many informative videos available on YouTube that are designed to help educate those new to Medicare. You can find a lot of the information you need without a salesman or marketer looking over your shoulder. No one is there pressuring you to make a decision. And it can all be done right on the device you are reading this article on right now, from the comfort of your home.

Your Medicare Options

Medicare Part A and Part B are the only parts of Medicare that you enroll in through Social Security, and you can do that at your local Social Security office, through the SSA.gov website, or over the phone at 1-800-772-1213. The other Medicare Parts (Part C & Part D) and any supplemental coverages are done through an insurance company or an independent agent.
If you are receiving Social Security benefits at least four months before being eligible for Medicare and reside in the United States, you will automatically be enrolled in Part A and Part B. You can look for your Medicare card in the mail 3-4 months before your 65th birthday.
Here are the steps you will need to take to get your Medicare coverage in place:

  • Confirm you are eligible for Medicare
  • Learn about Medicare costs so that you can prepare for what you will pay
  • Contact Social Security for the necessary forms to apply for Medicare – www.ssa.gov
  • Receive your red, white, and blue Medicare card and verify that the information is correct, including that you are enrolled in Part A AND Part B
  • Learn about your coverage options: Medicare supplement vs Medicare Advantage
  • Learn about Part D – the Medicare Drug Plan – and determine which Part D drug plan is best for you
  • Learn the importance of having an independent agent who works for you and not for the insurance company (the prices are identical whether you enroll directly with the company or use a trustworthy, independent agent)
  • Review your coverage with your agent annually to ensure you are getting the best available coverage at the best price from year to year

 
Keith Murray is an independent agent and the founder of Integrity Senior Solutions Inc. Keith has over 21 years of experience working with Seniors on their Medicare insurance needs. He can be reached at 1-888-228-6119 or through the website at https://medigap.us.

New to Medicare? Check out our Medicare Made Easy video series at medigap.us/medicarevideos

Turning 65 – Steps To Enrolling In Medicare

Turning 65 – Steps To Enrolling In MedicareTurning 65 – Steps To Enrolling In MedicareTurning 65 – Steps To Enrolling In MedicareTurning 65 – Steps To Enrolling In MedicareTurning 65 – Steps To Enrolling In MedicareTurning 65 – Steps To Enrolling In MedicareTurning 65 – Steps To Enrolling In Medicare
Turning 65 – Steps To Enrolling In Medicare
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Turning 65? How to Pick a Plan
Medicare Plans

Turning 65? How to Pick a Plan

by Garrett Ball
written by Garrett Ball

When you are turning 65, you most certainly get inundated with information from all different sources – direct mail, phone calls, TV ads, unsolicited advice from friends and more. So, how do you sort through the noise to find the right course of action for you? Turning 65? How to Pick a Plan

Medigap vs. Medicare Advantage

The first, and really most important, choice that you will have is whether you will stay with traditional Medicare and purchase a Medigap policy to fill in the “gaps” in Medicare or whether you will opt for a Medicare Advantage plan. The differences in Medigap and Medicare Advantage are numerous, so it is crucial to understand them and make an informed choice when looking at these two options.
To briefly address those differences, Medigap plans pay AFTER Medicare and “supplement” Medicare; Medicare Advantage plans pay INSTEAD of Medicare. Medigap plans do not have networks (can go to any doctor nationwide that takes Medicare); Medicare Advantage plans are usually HMOs or PPOs and do have networks and sometimes require referrals to see specialists.
As far as costs, Medigap plans typically have higher premiums than Medicare Advatnage plans in most areas of the country. But in terms of out-of-pocket costs, Medicare Advantage plans have a menu of co-pays and deductibles for each different service or procedure, whereas the out-of-pocket costs on Medigap plans are more limited and defined. Turning 65? How to Pick a Plan
The last consideration when comparing these two is future insurability. When you go with the Medicare Advantage plan initially, you may have to go through underwriting in the future if you decide you want to switch to a Medigap plan. Some people choose to start with Advantage plans, since they are in good health, then later try to switch when they have more health problems. Unfortunately, it can be difficult to do that. Turning 65? How to Pick a Plan

Next Step: Compare the Plans

Once you decide which route you are going to – Medigap or Medicare Advantage – you can start to compare the plans. Turning 65? How to Pick a Plan
Medigap plans are relatively straight-forward to compare. They all are required go by the standardized coverage chart. So, for example, a Plan G (usually the best deal) with one company is the exact same as a Plan G with another company. See more about what Plan G offers.
Comparing Medicare Advantage plans can be more difficult as there are more variables, but that makes it even more crucial to do. Some things you need to consider when comparing Medicare Advantage programs are the network of doctors/hospitals, the coverage for your specific medications, the premium for the plan, the co-pays for different medical services and procedures, and the rating and history of the plans you are considering. You can compare all the Medicare Advantage plans on Medicare.gov. Turning 65? How to Pick a Plan

Pick a Plan and Re-Evaluate Over Time

One of the big mistakes that I see with people on Medicare is that people choose a plan at age 65 and then stay on the same plan the rest of their lives. In most cases, this is not advantageous for you.
One, the plans change over time. With Medicare Advantage plans, they change in terms of cost, coverage, networks, and more. With Medigap plans, while the coverage can never change, the costs do change over time. Turning 65? How to Pick a Plan
It is crucial that, once you make your initial selection of a plan, you re-evaluate your needs over time to make sure you have the best plan for you. Turning 65? How to Pick a Plan

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Medicare and Dental: What You Need To Know
Medicare Plans

Medicare and Dental: What You Need To Know

by Garrett Ball
written by Garrett Ball

While Medicare does cover much more preventive care than many people realize, original Medicare (Part A and Part B) does not cover routine dental services and procedures in most cases. It’s important to understand what is not covered and explore your options for Medicare dental plans if you want to have dental coverage once you are on Medicare. Medicare and Dental: What You Need To Know

Medicare’s Coverage of Dental

First and foremost, you should understand that your regular dentist check-ups and any related services and procedures would not be covered under Medicare. Part B of Medicare is the part that covers anything outpatient, and Part B does not cover any dental.
There are very few situations in which Part A of Medicare (inpatient/hospital) would pay for dental surgeries if you are hospital-confined and need surgery as a part of another medical procedure. For example, Part A may cover a tooth extraction in preparation for radiation.
Overall, though, you should know that, if you go to the dentist once or twice a year, regular Medicare is not going to pay a dime for those visits. Likewise, if you have more frequent (and expensive) dental needs, such as fillings, crowns, or dentures, Medicare will not pay anything towards that.

Options for Medicare Dental Coverage

So, since Medicare itself does not provide any coverage for dental, what are your options? The good news is that you do have a few options to choose from if you still want to have dental coverage once you go on Medicare.
The first option is that you can purchase a stand-alone Medicare dental plan. There are about 5-10 companies that sell these in most states for people on Medicare. These plans can give you some coverage for regular check-ups as well as paying a percentage, usually after a waiting period, towards more comprehensive services and procedures. Premiums for this type of stand-alone dental coverage can vary greatly, but typically, you can get a dental plan for $20-40/month.
Another option is that you can go on a Medicare Advantage plan. Medicare Advantage plans are privatized versions of traditional Medicare, some of which include some minimal coverage for dental. Note that this type of plan takes the place of Medicare, so you should certainly look at all the benefits, restrictions, and long-term implications – don’t just choose to go with this type of plan because it covers a dental check-up once a year.
Lastly, you can choose to be a cash payer for dental once you go on Medicare. This is actually what the majority of people end up doing. Often, you can get a better price by paying cash for your dental services and procedures, and all you have to do is ask. This can be a good option if you are a minimal user of dental services.

Other Considerations for Medicare and Dental

One important thing to keep in mind when considering whether you should purchase additional coverage for dental once you go on Medicare is the waiting periods that these plans often have.
While these plans do not typically have underwriting (i.e. ask you medical questions when you apply), they do typically have waiting periods. This means that certain services and procedures would not be covered for a specified time (usually a few months). So, when your dentist tells you that the only way to eliminate your severe tooth pain is to do an expensive dental procedure, it’s too late to purchase dental insurance at that time.
Although Medicare does not cover routine dental care and procedures, you can still protect yourself by planning ahead. Look at your options to see if it is worthwhile to purchase a stand-alone dental plan. Or if you decide not to purchase a plan, you can budget for dental monthly, then be a cash payer with resources available when you need them.

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Making Changes to your Medicare During Open Enrollment
Medicare Plans

What is Medicare Part D

by Garrett Ball
written by Garrett Ball

Medicare Part D – What Is It, How Does It Work and How To Compare Plans

Most seniors are either already on, or will be on, prescription drugs. It’s just a part of getting older today. Fortunately, these medications help us to manage our medical conditions, prevent others and maintain general health. So once we go on Medicare, we absolutely must understand Part D and how it works. What is Medicare Part D

What Is Part D?

Medicare Part D is the prescription drug coverage portion of Medicare. This part of Medicare is completely optional; however, in order to have any coverage for prescription drugs, you will want to sign up for a Part D plan. What is Medicare Part D
Also, if you do not sign up for a plan when you are first eligible and then later sign up for one, you are subject to the Medicare Part D late enrollment penalty. What is Medicare Part D
Although Medicare itself oversees the Part D program and approves the plans annually, the plans are sold through private insurance companies. Most states have about 20-30 plans available, and the plans are renewed annually. In other words, the plans change each year in most cases, which is why it is important to compare Part D plans annually.
Part D is often referred to as the most confusing part of Medicare. This is primarily because there are so many variables involved, from premium, to co-pays/coinsurance, formulary, pharmacy choice, etc. There is a lot to consider when comparing the plans or considering Part D coverage. What is Medicare Part D

How Does Part D Work?

As mentioned above, Part D is sold through private insurance companies. So, when you sign up for a plan, you are covered by a specific insurance company’s plan. Most companies offer 2-3 coverage levels to choose from.
Each Part D plan has a different premium, different list of covered medications (formulary) and a different cost-sharing structure. If you have a lower premium plan, for example, you may have a larger cost-sharing portion for certain medications. Higher premium plans may give you a lower co-pay portion. What is Medicare Part D
Overall, though, each plan varies considerably and must be considered based on your specific situation.

How to Compare Part D Plans

It is highly advisable to compare Part D plans based on your specific needs and situation – what medications you take and which pharmacy you use specifically. Each plan varies considerably and this comparison can save you hundreds, in some cases thousands, of dollars a year.
Comparing Part D plans is a completely overwhelming task if you try to do it by contacting each individual company/plan. The more advisable way to do it is to compare using the tool on Medicare.gov, Medicare’s website.
On their plan finder tool, you can enter your zip code, your medication names and dosages and your preferred pharmacy to come up with a ranking of which plan would give you the lowest overall annual cost for the following year. It is a good idea to do this annually, or at the least, every two years. This ensures that you are in the most advantageous plan for your specific situation and allows you to compare in an unbiased way. What is Medicare Part D

What is Medicare Part D

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Explaining Medicare Part B Excess Charges
Medicare Plans

Explaining Medicare Part B Excess Charges

by Garrett Ball
written by Garrett Ball

Medicare Part B Excess Charges: What Are They and How To Avoid Them?

Medicare Part B is the part of Medicare that covers doctor’s visits and outpatient services. Medicare has a pre-defined fee schedule that most doctors that participate in Medicare use. This is called accepting Medicare “assignment.” Explaining Medicare Part B Excess Charges
However, doctors can choose not to accept that fee schedule and charge more than Medicare allows – these charges, over and above the Medicare payment schedule, are called Part B Excess charges. Explaining Medicare Part B Excess Charges

How Do Medicare Part B Excess Charges Work

When you go to a doctor that does not accept Medicare “assignment”, they have the option of “balance billing” above the Medicare payment schedule in most states. If you do not proactively ask the provider if they accept Medicare assignment, you may be surprised to receive a bill after services and after Medicare and your supplement insurance have paid their portions.
This bill will generally come to you 2-4 weeks after your visit to a non-participating provider in Medicare. The “excess charges” amount is limited to 15% above the Medicare-approved amount. Explaining Medicare Part B Excess Charges
Generally, we see these excess charges to occur with much more regularity at specialists as opposed to at primary care physicians.

How To Avoid Medicare Part B Excess Charges

There are two relatively easy ways to avoid Medicare Part B Excess charges altogether. The first is simply to make sure that you go only to doctors that participate in Medicare (i.e. accept Medicare assignment).
There is not a list of network providers maintained by Medicare, unfortunately. However, you can verify that your provider takes Medicare assignment by simply asking them. Anyone in the billing/insurance office should be aware of this practice and terminology and should be able to answer that question for you. Ideally, you would confirm this before seeing a doctor or receiving services.
The other way that you can avoid the excess charges is to be enrolled in a Medigap (Medicare Supplement) plan that covers those excess charges for you. Most of the more common Medigap plans do cover the excess charges; however, Plan N is one of the plans that does not.
If you have Medicare with a Medigap Plan N, you will still be responsible for the Part B Excess charges if your doctor does not accept the Medicare payment schedule. Other common Medigap plans – such as Plan G and Plan F – do cover the Part B Excess charges. Explaining Medicare Part B Excess Charges

Other Considerations Related to Medicare Part B Excess Charges

There are a few states which have prohibited excess charges from being executed – currently, these states are: CT, MA, MN, NY, OH, PA, RI and VT.
Nationally, Medicare Part B Excess charges are still relatively uncommon. Recent estimates show that patients get billed for excess charges on less than 5% of claims. Still, it is something that you should be aware of so that you can avoid this unneeded and preventable expense.
 

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Comparing Retail and Mail Order Pharmacies
Prescription Programs

Comparing Retail and Mail Order Pharmacies

by Kimberly Johnson
written by Kimberly Johnson

Wondering whether to make a switch to mail order for your elder’s medications? Wishing you knew if there was really a difference? Do you like ordering things online? Or, do you prefer the personal touch? Comparing Retail and Mail Order Pharmacies
Well, here are some basic tidbits that can help you evaluate which system works best for you and your elders. Sometimes it works best to use both! Comparing Retail and Mail Order Pharmacies

Retail Pharmacies

Pros –

  • Local store, usually convenient to you and/or your elders
  • Fast turnaround
  • Consultations with pharmacists are easy
  • Many offer compounding (custom Rx blending/preparation)
  • You can pick up over-the-counter (OTC) items at the same time (such as aspirin, bandages, pain relievers, vitamins, etc.)
  • Can get refill reminders via text or phone
  • Established relationships with known contacts
  • Flexibility to change orders and pick up times
  • Can purchase durable medical equipment at many retail pharmacies

Cons –

  • Provide only 30-day supply, usually
  • Can be more expensive
  • Refills and orders are not usually automatic
  • Requires a personal visit to pick up medications

Mail Order Pharmacies

Pros –

  • Provide a 90-day supply, usually
  • Can usually get a 90-day Rx for the same price or less than a 30-day Rx from a retail pharmacy
  • Often are much less expensive on a pill-to-pill comparison
  • Convenient online refills/reorders
  • Can get refill reminders via email or phone

Cons –

  • Orders are processed online or via call centers
  • Often more difficult or impossible to get compounded Rx orders filled
  • Much less flexible. Once order is made, that’s it.
  • Long wait time, usually 7-10 days to ship
  • Can get shipping errors, sometimes frequently. Especially if billing and shipping addresses are different.
  • Can’t usually order OTC items
  • Consultations with pharmacists are much more difficult to get than with retail pharmacies
  • Not local

Both options have their advantages. I personally like to use the retail pharmacies for short-term or specialty prescriptions and mail order for maintenance meds. As with almost everything, it pays to do your homework. Check out pricing for your elder’s medications at both types of pharmacies and compare timing of orders as well. The right answer for your family will be at the corner where right price meets good fit.
Author Suzanne Blankenship
Comparing Retail and Mail Order Pharmacies Comparing Retail and Mail Order Pharmacies Comparing Retail and Mail Order Pharmacies Comparing Retail and Mail Order Pharmacies Comparing Retail and Mail Order Pharmacies

Comparing Retail and Mail Order Pharmacies

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Medicare Plans

Medigap G: A Solution to your Medigap F Problem

by Garrett Ball
written by Garrett Ball

One of the superstars of Medigap plans in the last five years has been Medigap Plan G. This plan is one of the more comprehensive Medigap plans and has been increasing in market share and favorability with Medicare beneficiaries. Medigap G: A Solution to your Medigap F Problem

What Does Medigap Plan G Cover?

Medigap Plan G is one step down from the “Cadillac” Medigap plan, Plan F. Plan G fills in all the gaps in Medicare with the exception of the Medicare Part B deductible. For 2017, that deductible is $183/year.
Plan G pays the Part A (hospital) deductible, as well as the 20% coinsurance that Medicare does not cover under Part A and Part B. So on a Plan G, your only out of pocket costs for Medicare-covered expenses would be the Part B deductible amount.

How Does Medigap Plan G Work?

Plan G works just like Plan F and the other Medigap plans. It is designed to work with Medicare and fill in the remaining gaps after Medicare pays. Medigap G: A Solution to your Medigap F Problem
You can use a Plan G at any medical provider that accepts your primary coverage, Medicare. There are no networks on any Medigap plans, including a Plan G (Does my doctor accept my Medigap plan?).
Different insurance companies sell Plan G. In some states, there are as many as 30-40 companies that sell this plan. Each company may charge a different price for their Plan G, although the coverage is the exact same with each of them.
In addition, all the Plan G’s, regardless of which insurance company sells it, pay claims through the Medicare “crossover. This is Medicare’s automated claims payment system that works for Medigap plans and coordinates payments from your secondary insurance (Medigap). Medigap G: A Solution to your Medigap F Problem

Is Medigap Plan G Right for Me?

That is the “64 million dollar question”. Or, maybe it’s the $183 question! The Part B deductible is the only difference between a Plan F and a Plan G. So if the premium savings on a Plan G is greater than the deductible amount, it certainly makes sense to consider a Plan G.
There are other considerations as well. If you have researched Plan F, you may be aware that Plan F is scheduled to end for new beneficiaries as of 2020. What this means for current beneficiaries in Plan F is uncertain, but most analysts agree that Plan F rates will not be as stable moving forward once no “new” beneficiaries are put into that plan. This makes Plan G an even more viable alternative.
Lastly, historically speaking, Plan G has been more stable over time than Plan F has. Plan F is offered in certain “guaranteed issue” situations whereas ‘G’ is not offered in those situations. Over time, this means the pool of Plan G policyholders is slightly healthier, and this has led to more stability over time for Plan G vs Plan F.

Medigap G: A Solution to your Medigap F Problem

Medigap G: A Solution to your Medigap F Problem Medigap G: A Solution to your Medigap F Problem Medigap G: A Solution to your Medigap F Problem Medigap G: A Solution to your Medigap F Problem Medigap G: A Solution to your Medigap F Problem Medigap G: A Solution to your Medigap F Problem

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3 Steps for Medicare Supplement Comparison
Medicare Plans

3 Steps for Medicare Supplement Comparison

by Garrett Ball
written by Garrett Ball

Doing a Medicare Supplement comparison is a crucial part of a sound financial plan for someone on Medicare. Premium rates and guidelines vary considerably from state to state and from situation to situation. But there is so much information out there, much of it contradictory, how do you know where to start? 3 Steps for Medicare Supplement Comparison

Step 1: Understand Medicare Supplement Standardization

Without a doubt, the first step in doing an effective Medicare Supplement comparison is understanding the most basic aspect of these plans – the plans are Federally-standardized. By this, I mean that the coverage is the exact same no matter what company sells you the plan. A Plan G, for example, is the same with one company as it is with a different company.
Not only is the plan coverage standardized, the claims payment process is also standardized, as all companies pay claims through the Medicare “crossover” system. Because of this plan standardization, “like” plans cover the same things and work the same way. So, once you understand this, you realize that Medicare Supplement plans are actually quite easy to compare.

Step 2: Study the Medicare Supplement Coverage Chart and Choose a Plan

The Medicare Supplement coverage chart shows exactly what each of the standardized Medicare Supplement plans cover.
You will see that Plan F is the most comprehensive plan. It pays everything that Medicare Parts A and B do not cover. On that plan, you have no out-of-pocket costs. Although it is the most comprehensive plan, it may not always make the most financial sense.
Every insurance company does not offer every plan. The three plans that most companies have focused on over the last five years are plans F, G and N. Those three plans represent a top, middle and lower level of coverage, within which most Medicare beneficiaries can find a plan that fits their specific situation and needs.
Once you narrow down a level of coverage that you want, or at least have a good idea of what the different plans cover, you can move to step 3 of the Medicare Supplement comparison.

Step 3: Gather Medicare Supplement Rates and Choose a Company

Now you understand the plan standardization and have a good idea of what the different levels of Medicare Supplement plans are, the next step is to look at some actual premium figures and insurance companies.
There are several options for doing this. Some states maintain online resources containing rates for that state. These can typically be found on the state’s department of insurance website; however, they should be verified for accuracy as rates change over time.
Another option is to use an independent broker or agent. This person can provide rates and information for all your options and answer your questions.
A final option would be to contact each of the companies that sell Medicare Supplement plans in your state to gather the rates and use those to make a comparison of your options.
Medicare Supplement rates are determined by your age, zip code, gender, and in some cases, tobacco usage and/or health. So, make sure you use accurate information when requesting and obtaining the premiums.
Once you have the rates for your zip code, you can compare the reputations and ratings of the insurance companies you are considering and pick a reputable company that has competitive rates. Keep in mind step 1 when you are doing step 3 – the coverage and way that the plans work. 3 Steps for Medicare Supplement Comparison

3 Steps for Medicare Supplement Comparison

3 Steps for Medicare Supplement Comparison 3 Steps for Medicare Supplement Comparison 3 Steps for Medicare Supplement Comparison

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Introduction to new Medigap Plan G
Medigap

Introduction to New Medigap Plan G

by Kimberly Johnson
written by Kimberly Johnson

For many years now, the Plan F Medicare Supplement has been the top selling plan. Because of the Medicare Access and CHIP Reauthorization Act of 2015, the Plan F will no longer be available for sale for people who turn 65 in 2020 and thereafter. People who have a Plan F in force at that time can keep their current plan or switch to another Plan F with a different company, but they may not want to. Here’s why: Introduction to new Medigap Plan G
As history has shown with other plans that have been eliminated in the past, Medigap enrollees can likely expect their premiums to rise significantly if younger and healthier seniors are prevented from enrolling in their plan. That is what exactly what happened when Medicare did away with the Plan J in 2010, and many experts expect the same result with the Plan F. Introduction to Medigap Plan G

Let Me Introduce You to Plan G

Plans F and G are identical with one exception – Plan G does not cover the annual Part B deductible (see the Medicare supplement plan chart on our comparison page). Part B of Medicare is the part that is paid to physicians or outpatient facilities for your care. So with a Plan G, you would be responsible for the annual Part B deductible – which is $183 in 2017.
Today, more and more seniors are finding that they can save on out of pocket costs by choosing Plan G instead of the Plan F. In most areas of the country, the difference in premium between a Plan F and Plan G is $280-360 per year. There is no need to pay the insurance company up to $360 more for the only additional benefit of them paying the $183 deductible for you. If you will pay that deductible yourself, you can pocket the difference. The Part B deductible will get paid to Medicare whether you pay directly with a Plan G or by letting the insurance company pay it through a Plan F with a convenience fee tacked on.

Why The Big Difference In Premium?

There are many theories as to why there is a big difference. Many experts attribute it to the fact that Plan G does not accept Guaranteed Issue enrollees. These are typically enrollees who are leaving an employer plan to go on Medicare. Plan F policies must accept all Guaranteed Issue enrollees without any underwriting, regardless of their current health.
Another school of thought says that many people will be more apt to seek treatment for minor issues as they have no deductibles or co-pays under the Plan F for Part B services. This is what is referred to as “first-dollar coverage.”
Either way, the better option is to go ahead and look at the Plan G (or even Plan N). The good news is that Plan G is already a better value today as I demonstrated above. Making a change could actually be beneficial now instead of waiting to see what possibly happens to Plan F premiums down the road. IIntroduction to new Medigap Plan GG
Keith Murray is an independent agent and the founder of ExpertMedicare.com and Integrity Senior Solutions Inc. Keith has over 21 years of experience working with Seniors on their Medicare insurance needs. He can be reached at 1-888-228-6119 or through the website. Introduction to new Medigap Plan G

Introduction to new Medigap Plan G

Introduction to new Medigap Plan G Introduction to new Medigap Plan G Introduction to new Medigap Plan G Introduction to new Medigap Plan G Introduction to new Medigap Plan G Introduction to new Medigap Plan G Introduction to new Medigap Plan G

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