Two Best Medigap- Medicare Supplement Plan M & N

There are about 10 different Medicare Supplement Plans. All of them serve an important benefit. But two of them are the best and that are Plan M & N. Below will be a brief description of the benefits that the two plans offer. Starting with the M Plan

Plan M

It is the same as the rest of the supplements plans. But the thing that makes it stand out is that it covers most of the outpatient follow-ups. It gives you a skilled nursing facility of Car Coinsurance. The costs of the first three pints of blood you receive in the hospital are covered by Plan M. It also covers Hospice care coinsurance or copayment. It also covers the cost of a foreign travel emergency. It also covers the costs up to an additional 365 days of the Part “A” Hospital cost even after all your Medicare benefits are used up. And let’s not forget that it also includes Medicare Part “A” Coinsurance and Medicare Part “B” Coinsurance or Copayment. And the last thing, it covers 50% of the Medicare Part A deductible.

So in conclusion, it is similar to the other plans of Medigap. But it is overall less costly, which gives it an edge over the other plans. Plus it is suitable for those who do not expect to visit the doctor often.

Plan N

It is a supplement plan that is like the other ones; cover all the additional benefits that are not covered by Medicare Parts A and B. It covers all the cost of Hospital, Medical and other services that are excluded from the main Medicare Plan. Some might say that Plan N and F covers pretty much the same benefits but what makes this Plan special and attractive is that it is less expensive. The Benefits that it covers are mentioned below.

  • Part A deductibles
  • Part A hospice care copayment or coinsurance
  • Part A hospital coinsurance and hospital costs up to 365 days are covered when Original Medicare benefits run out.
  • Part B coinsurance costs
  • Part B preventive care coinsurance
  • First three pints of blood used in a medical procedure
  • Skilled nursing facility (SNF) coinsurance
  • Foreign Travel Benefits

You can purchase the Plan from any private firm in any state. But do keep in mind to compare it as the discounts vary from place to place. It has lower premiums than the other plans which make it the hot pick among people.

Below is a chart that tells about the benefits of Plan M and N so that you can have a better idea.


Medicare Supplement Plans Plan




Basic Benefits Yes Yes
Part A Hospitals Coinsurance Yes Yes
365 Additional Hospital Reserve days Yes Yes
Benefit for blood Yes Yes
Part B Coinsurance Yes Co-pays
Hospice Coinsurance Yes Yes
Skilled Nursing Facility Coinsurance Yes Yes
Part A deductibles 50% Yes
Foreign Travel Benefits Yes Yes
Preventive Care Coinsurance Yes Yes


What is Medicare Advantage Plan F and How Is It Right for You?

What is 2019 Medicare Advantage Plan F and How Is It Right for You?

Medicare is a single health insurance plan that is functioning in the United States of America. It is being administrated by the U.S Federal Government. It provides a lot of health benefits, but also not everything. Medicare Advantages plans are an upgrade of the initial plans. It covers up the rest of the benefits. There are about 10 plans. We will be talking about the Plan F. What benefits its covers and why is it the right one?

Plan F 

Out of all the Medigap Plans, it is the best pick. First below is the list of things that the Plan F covers

  • Part A hospital deductible and your Part B outpatient deductible are both fully covered by Plan F
  • It covers all of the 20% that is left when Medicare Part B is fueled out.
  • Part B excess charges are covered in The Medicare Advantage Plan F. You will no longer be needed to pay the standard 15% excess charges that doctors under Medicare are allowed to charge for Part B services.
  • You can choose any doctor of your choice from the United States. This benefit is provided by Plan F.
  • There was a time when you were needed to get referrals in order to see a Medicare specialist. But due to Plan F, you are no longer needed to get a referral from your Healthcare
  • Hospital costs for an extra 365 days when the Medicare benefits
  • Part B copayment or coinsurance costs.
  • First three pints of blood.
  • Skilled nursing facility (SNF) care coinsurance costs.
  • Overseas emergency travel coverage.

The reason why it is the best picked is that it covers Part B deductibles and Part B Excess. There is no other plan that covers both of them at the same time. It is one of the plans that offer the most coverage of benefits. It also pretty much covers the remaining hospital dues after Medicare A and B has ended and leave the person with no personal expense of its own.

Costs of Plan B

The costs of Plan B vary from state to state and from one company to the other. Because it is administered by the Federal Government, The benefits associated with Plan F are the same in each state. The only slight difference is in cost.

There are also two versions of the Plan F

  1. The regular Plan F
  2. The high deductible Plan F

For the High Deductible Plan F, the beneficiaries are required to pay out of pocket cost. It is about $2,240 in 2018. After the costs are met it will start paying for the Medicare-covered hospital and medical expenses. Benefits in both the versions are the same. But in the deductible one, you will have lower premium costs.

According to a recent study from America’s Health Insurance professionals, about 57% of all Medigap policies in force were a premium Medicare Plan F policy. This is due to the immense benefits of Plan F that makes it the most likely Plan to be chosen among the Citizen of the states.

Preventive Care and Medicare Supplement Plans: Facts You Need to Know

Preventive care is necessary and important. There are so many conditions that can be prevented! The only way to prevent them though, is by using the options that are available to you and visiting health care providers for regular check-ups. There are many conditions that would otherwise remain unknown and that you would only be able to find out, after a regular check-up. Otherwise, the only time that these conditions will start showing symptoms, is when it might already be too late for a treatment. Or, the treatment might become much more difficult for you and last longer than it would have, if the diagnose would have been found earlier. So preventive care is not something that should be left behind and visiting a doctor only when you´re sick is to be avoided, due to the above-mentioned reasons!

There are many tests and screenings that might be available to you free of charge! Some of these include: flu shots, pneumonia shots, vaccinations against measles, polio and meningitis, vaccines that are required to ensure healthy pregnancies, cancer screenings such as mammograms and colonoscopies, tests for cholesterol, blood pressure and diabetes, baby and child visits, from birth up to the age of 21 as well as free counselling for those who are trying to quit smoking, lose weight, quit alcohol or reduce alcohol intake, have depression and more!

It is important to know, that not all plans will cover for these expenses. Some part A and part B members will have to pay for coinsurance when it comes to preventive care. For all those who have been using the preventive care services, but are obliged to pay a coinsurance amount, there is a solution Medicare supplement plans!

There are 10 different kinds of Medicare supplement plans available at A, B, C, D, F, G, K, L, M and N! And the good news is, that all 10 plans cover for the coinsurance due to preventive care. This is why the financial burden shouldn´t be an excuse to you, as health always comes first and it is important to take care of yourself more than anything!

If you don´t know which one of these plans to choose from, look at what other expenses they cover, apart for the preventive care coinsurance. The A and B plan, for example, have a lower premium rate, because they also cover less expenses than the other plans. A plan F or G will have a higher premium rate, but will also cover for all expenses (plan F) and almost all expenses (plan G).

If you consult a private health insurance company and they offer you a Medicare supplement plan at a premium rate you can´t afford, don´t immediately loose hope! These supplement plans are offered by private health insurance companies and that means, that the price will vary! Consult with different kinds of companies to find the best premium rate available for you and start using the services provided for preventive care!

Medicare supplement Plan N and How It Helps You Lower Your Expenses

The Medicare supplement plan N is an aid to the Medicare part A and B, which don´t cover for all expenses. Enrolling to this supplement plan will help you avoid some costs, you would otherwise pay for out of your own pocket.

The benefits that are covered by this plan are:

  • Expenses for Medicare part A coinsurance due to hospital stay
  • Expenses for Medicare part B co-insurance
  • Expenses for Medicare part A deductible
  • Expenses for Medicare part B deductible
  • Expenses for hospice co-insurance
  • Expenses for foreign travel
  • Expenses for co-insurance due to preventive care
  • Expenses for hospital days up to 365 days after Medicare part A stops covering

There is also one additional benefit you can take advantage from, enroll at is the expense for Medicare part B co-insurance. This expense will be covered by the Medicare supplement N, but will include a co-pay, which you will need to pay out of your own pocket. The co-pay of Medicare supplement plan N will leave you paying up to 20$ every time you visit a doctor´s office and up to 50$ co-pay for visits to the emergency room.

There are two expenses that the Medicare supplement plan N won´t cover for. These expenses however, can be easy to control, making Medicare supplement plan N a good choice. The only thing it won´t cover for is the Medicare part B deductible and Medicare part B excess charges. The Medicare part B deductible is an annual amount of $183. After paying this amount, there is no other additional cost you will have to pay for! The Medicare part B excess charges can be easily avoided, so that you don´t have to pay any excess charges at all! All you need to look out for, is that you are visiting a health provider who has agreed to the Medicare costs. These health providers will never charge you more for a health care service, than what the Medicare supplement plan covers for! You can simply call the health care provider of your choice and ask. If they do cover more, there are many other health care providers to choose from!

The Medicare supplement plan N is all in all one that does cover a whole deal of expenses and can give you a peace of mind. All you´ll have to pay for is your Medicare part A or B and the premium rate for the Medicare supplement plan N. The premium rate all depends on the company you choose to enroll to. As the health insurance companies that provide them are all private, they all have the right to set different kinds of prices based on their own criteria. Some of the criteria that may be taken into consideration are the age of the individual, the area they live in, in some cases gender (because statistics show that men require more health care services than women) and to most companies, whether you´re using tobacco or not will be also relevant!


Financial Checklist for Seniors Over 60

In their 60s, most people face some of the most crucial financial & lifestyle changes – hence it’s normal if you experience various emotions in regards to retirement and money. Besides, you might be concerned whether you’ll be able to fund your dream retirement. The main thing is to watch out for your finances to adjust your plan as required. Below are 5 tips for folks who’re nearing this crucial stage of their life:


  1. Substitute your paycheck


It is always good to swap your regular paycheck in order to have a set income amount each month, just like the years when you were working. The process might seem complicated, particularly if you are looking to structure the withdrawal amount in the best way possible. A tax professional and financial expert can help. Also, it’s a wise idea to come up with a written plan so that you’ve got a road map for following in the upcoming years.


  1. Review your budget and expenses


It might seem obvious, however, do you have a solid understanding of your day-to-day expenses? When you’re working, it’s much easy to think you will cover for overspending the next time you receive a paycheck. After retirement, you won’t have such luxury. Thus, it’s important to know the costs of your essentials & know how much you’re spending on discretionary stuff. In addition, take into account areas where your expenses might vary up in upcoming years – for instance, travel, health care, and recreation.

make enrolling in a 2019 medicare advantage plan part of your plan and these can be found at

  1. Stay rational


It might be tough to prevent the constant flow of economic news, however, don’t allow the political atmosphere and market swings affect your judgment. Avoid impulsive decisions such as buying excessively risky stocks, selling your house or making any quick fixes. Work in order to improve your financial state and consult with your loved ones. Also, a support network might assist you in controlling your emotions.


  1. Be prepared for any unexpected event


In case you are yet to create a will, make sure you give it the utmost priority. On contrary, if you already have one, ensure it fulfills your present wishes. Besides, make sure all your beneficiary info is updated on important accounts like IRAs. In addition, try to discuss your future plans with your partner & children. Make sure they know the location of your financial docs in case of any tragedy. These might be a tough conversation for all the people involved, however, it can also help minimize the stress your loved ones may face later.

What is Medicare supplement plans and what are the supplements?

What is Medicare supplement?  Find out more at

With growing age people slowly become incapable of bearing the heavy cost of their expenses. In those times of their hardship they need some support which will look after their mental and physical health. During this time of help old people should apply for Medicare supplement plan, because it not only gives them financial support, but along with that it also gives them mental peace.

This plan helps them to get Medicare which otherwise could also be achieved through original Medicare. There are many benefits of this plan. These plans are also known as part c plans. Some people prefer calling it MA plans.

The only difference between this plan and Medicare supplement plan is that, this plan supplies all the benefits of  hospital insurance along with medical insurance plans which in turn is not given by Medicare supplement plans.

Medicare supplement plans

Now we will discuss about the different types  of this interesting plan

First we will discuss about HMO plans. The full form of this plan is Health Maintenance organisation plan. This plans has got certain restrictions, like the patient can only visit other doctors or hospitals in his/her area during some medical emergency only. Even during the time of emergency he/she has to take permission from the doctor who is responsible for his primary health. After he has received the permission only then he can apply for other medical tests .

Secondly we will discuss about PFFS plans , which in other words is known as Private fee for service plans. In this plan they particularly pay attention to the plan’s payment plan. Apart from that all these other terms and conditions are the same. The old patients can visit any hospital or doctor of their choice.

Supplements provided by this plan

The best thing about this plan is that , it supplies all the benefits of the original Medicare plan except some facilities like hospice care. People should definitely go for this plan because it helps their patient in the time of emergency. This plan not only provides benefits within the specified area, it also provides support outside the given scope of area. If people are suffering with issues which are affecting their eyes or teeth, the cost of these treatment shall also be taken care by this plan. Thus it is highly recommended that people should definitely go for this plan.


The meaning of the Medicare Supplement and its benefits

Medicare Supplement is a kind of health insurance which provides part C coverage. All supplement plans are paid for health-related issue on a monthly basis or fee for services (FFS) for unmanaged services. Let discuss what Medicare Supplement is. Most plans for Medicare supplement are HMO (health maintenance organization) and PPO (preferred provider organization). Part A, B, C, D all four parts of Medicare is controlled by private companies under the CMS (Centers for Medicare and Medicaid services) contract. Almost all are insurance companies except part C plans are controlled by nonprofit charities and health delivery system under state laws or religious management or union.

Part A provides payment of skilled or trained nursing service to the patient in the hospital. Part B provides payment of surgical services, physician, x-ray services, and diagnostic tests. Part C is not only covered by A and B, it provides also dental and vision, hearing and many wellness benefits. Part D is covered with a prescription drug benefit plan.

To find out more about these plans visit


The person who enrolled in part C can pay a set amount for health plan every month which driven by government management benchmark that uses in FFS cost from past year as a beginning point to determine benchmark.


Medicare Supplement plan is needed to offer benefits package as original Medicare and covered everything medicare cover. The plan which accepts quality-based payment or rebates needed to utilize the money to give benefits not covered by traditional Medicare.

Provider network

The beneficiary can choose PCP (primary care physician) to provide referrals. If the referred patient does not avail from an in-network provider and the plans pay for the patient services at an out of network location but charge in-network rates, the necessary services are covered by the plan.


Insurance companies are participating for providing higher quality care via plans at similar or lower cost.

Rating system

MA (medicare supplement) has the five-star quality rating system on a scale of 1-5.MA and PDP are rated separately.

Bottom line

It is common that people are working after joining Medicare at the age 65 and use both original Medicare and employer sponsor insurance. Sicker and higher expenditure people switch from medicare supplement to original Medicare. It is very difficult to generalize the result of crossing that all plans participate in the program but quality performance and access metrics are different among the dozen providers of medicare supplement plan.

Long term care and Medicare supplement Insurance

Health care services can be categorized as either long term or short term. With idea at hand, it is important to differentiate between long term and short term care. Short term care, therefore, involves the provision of heath care services over a long period of time. The length of time determined whether a health care service delivery is long term or not. For instance, a person who is disabled may seek services from a health care provider and since he/she is disabled and requires constant medical attention for the rest of his/her life, the, we can comfortably conclude that such a health care service is long term. On the other hand, short care is a type of service meant to improve one health well being and the service is meant to last for a very short period of time usually 1 to 12 months.

Long term care coverage

medicare supplement plans 2019Why does Medicare supplement plan avoid covering long term care? There are a number of reasons why Medicare supplement plans do not take into consideration the long terms coverage. Firstly, long-term care translates into excessive costs. This is because when one takes a long term cover, he/she will expect to benefit for relatively long period of time. Most of the health care service insurers will want to insure short term health risks that can be paid for at once or at an interval. They prefer not to offer payment for constant health expenses. This is basically because the amounts of costs accrued from constant expenses will eventually exceed the amount of accumulated premiums.

Secondly, long-term care mean a lifetime obligation and this is not what the Medicare supplement policy states. It should be remembered that one can switch from one plan to the other. When one expects long-term care, it means that he/she will be forced to remain within a specific plan offered by the original insurance company.  Anyone looking for quotes for medigap plans in 2019 should visit Short-term or renewable terms are important in the sense that it allows one to switch from one plan to the other without the need to be held captive of one Medicare plan.

Considering that Medicare supplement plans takes into consideration those individuals who have attained the age of 65, allowing a long term coverage will be taken to mean that people within this age bracket will remain within the same plan for the rest of their lives. This idea is not practical at all.

Why Medicare supplement plans are important?

Medicare supplements plans are as important as other health insurance policy. There is very rare case with someone above 65 having no health problem or doctor checkup. Thus, it is beneficial for such people to apply for Medicare supplement plans as such plans supports them to pay the extra cost not covered by general Part A and Part B Medicare plans.  

Why these plans are needed? 

Medicare supplement plans are important because very few people above 65 might be earning their livelihood and would face difficulty in paying their health care cost. If they could buy such plans from their all time savings then they should not worry about the hospital bills during checkup. Moreover, they can visit best doctors throughout the country without wasting single penny from their pocket except the travel and prescription drug cost. Only drawback of Medicare supplement plans is its age limit i.e. Medicare supplement plans are provided to one 65 years or older in age with end stage renal diseases or other disability. In certain circumstances it is also provided to one less than 65 years of age. 

When should one take Medicare supplement plans or why Medicare supplement plans are important? 

medicare supplement plans 2019 (2)

Medicare supplement plans are supplement plans provided by private insurance company to help you pay extra health care cost that is not covered by general Medicare plans Part A and Part B. There are various circumstances when one should take Medicare supplement plans or such plans are important. 

  • One has regular hospital visit due to health problem and have Medicare plans Part A and Part B. 
  • Medicare supplement plans are important when one need security of cost he is sure to pay in near future as medical or health care cost. 
  • You keep on travelling from place to place and want to insure your health care cost from such supplements plans. Medicare supplement plans provide insurance of health care cost during foreign travel. 

One must be clear that Medicare supplement plans 2019 found at  and Medicare advantage plans never work together. Thus, one should buy either Medicare supplement plan or advantage plan. Moreover, it is not important to take supplement plans if you are engaged in union which has insurance that pays more than Part A and Part B policy. In such case, there is no profit of having Medicare supplement plans. 

So, it is recommended to take a Medicare supplement plans after knowing its pros and cons and stay healthy. Moreover, you can suggest your family member to take such supplement plans. 


Medicare Advantage Plans – When you can change

Predicting health care required later is impossible, but as per your requirement today, consider the right plan, the costs and coverage.

2019 Medicare AdvantageIf you choose Medicare Advantage plans and later are not satisfied with it, there is chance you can opt out. You can find an annual period for disenrollment from January 1 to February 14. This is the time, you drop the Medicare Advantage plans that you are now uncomfortable with and get back to Traditional Medicare. But, you cannot switch during disenrollment the Medicare Advantage plans, but you can go for a prescription drug plan as a standalone, in case you have plans of dropping your Advantage plan.

It is not compulsion to stay bound for ever to the same Medicare plan. Changing needs of health care and life events leads to considering some change in the Medicare coverage.

See here when you may consider Medicare coverage changes:

Medicare Open Enrollment

This happens annually from October 15 to December 7. During this time, any changes you make go on January 1 into effect of the following year.

In this enrollment period:

  • You can change from Traditional Medicare to Medicare Advantage plan or even consider the opposite.
  • Move from the plan of Medicare Advantage to another plan of Medicare Advantage
  • Enroll in prescription drug plan of Medicare or switch to a new drug prescription plan of Medicare.
  • Completely drop the coverage of Medicare prescription for drug
  • In case you happen to miss the Medicare Open Enrollment, it means the waiting period is up to the following year unless you are eligible for SEP to change the coverage.

Special Election Periods

This allows you changing the coverage beyond the Medicare open enrollment in certain circumstances and they include:

  • Moving from the service area of the existing Medicare plan.
  • Moving in an institution into it or out or even going back to the U.S after residing for sometime in another country.
  • Transitioning from union, employer or other to Medicare.
  • The existing plan of Medicare is not available any more in the place you live.
  • You have alternative chance to acquire coverage, from union, employer or federal assistance program. 

Disenrollment Period

The Disenrollment Period of Medicare Advantage plans offers a chance to leave this plan and to get back again to Traditional Medicare every year between 1 January and 14 February. To check rates visit This is the time you get Part D enrolled as separate plan, but it may cause you premium penalty.