Peachtree Insurance Advisors simplifies your Medicare coverage with tailored Medigap plans.
Medigap plans fill the coverage gaps in Original Medicare (Parts A & B). You need to have both A and B to be eligible for a Medigap plan.
Medigap plans are offered through private insurance companies such as Anthem Blue Cross Blue Shield, United Healthcare, Humana, Mutual of Omaha, Aetna, and Cigna. There are many other carriers in the Medigap market that you probably haven’t heard of, but you will see them all in the comparison quotes we prepare for you.
Medigap fills gaps in Original Medicare (Part A: Hospital, Part B: Medical), covering costs like copays and deductibles.
Choose from 10 standardized plans (A–N). Plan G, the most popular, is identical across carriers, but rates and other factors vary.
Even though the plans are standardized, there are wide premium variations. Some carriers “low-ball” their rates to gain market share, but then they often have much higher-than-average rate increases in following years at renewal time. We know which carriers play this game and which carriers do not.
It’s critical to start out with a top-tier Medigap carrier at the outset, since you might not be able to switch to a different carrier in later years.
We explain all the important criteria to consider when evaluating your carrier and plan options.
You will learn the key differences between the various plans, such as Plan G, Plan N, Plan A and the other plans.
After meeting with us, you will gain important information that is not readily available on the Web. In fact, we often hear people say, “I’ve done plenty of research and talked to many folks, but never understood what you just explained” (or some variation of that).
20+ years of experience and being a student of Medicare, benefits are clients in their decision making process.
Medigap doesn’t cover dental or vision. Separate policies are needed for these services.
Long-term care (nursing homes, assisted living, home care) requires separate insurance.
Medigap policies after 2006 don’t cover drugs. Part D plans are essential, and we help you choose the right one.
The ideal time to buy a Medigap policy is during your Medigap Open Enrollment Period. This is a 6-month period that begins the first month you enroll in Medicare Part B. This enrollment period applies whether you are “aging into” Medicare by turning 65 or losing creditable employer coverage past the age of 65.
There are important steps to take when enrolling, so we guide you through this process to make sure everything is done timely and correctly.
You can enroll during other periods of time, but Medigap polices won’t be guaranteed-acceptance. There are exceptions and other unique situations that require expert guidance so you don’t make a misstep along the way.
Over the years, we have met many individuals who received inaccurate advice from HR specialists, friends, and not-so-knowledgeable agents.
Make sure you are receiving expert advice from an experienced and proven advisor!
Ready to explore life insurance options? Complete the form below, and Peachtree Insurance Advisors will provide a free, personalized quote.
Independent Advice- As independent agents, we compare all options, sharing pros and cons to ensure the best choice. Experienced Guidance-With over 21 years of experience, we help you avoid common Medigap mistakes. Local Expertise– Based in Marietta, we offer personalized service at no extra cost.