I become Medicare eligible in about 6 months. I am just beginning to look at the supplements. It is somewhat clouded this year, because of the Medicare pharmacy benefit that goes into effect Jan1. For this reason, some of the supplemental programs that included drug coverage will be rewritten. Also, it appears that the (excellent but unpopular with insurance marketers) rule that Medigap supplements can only compete on price- i.e. a* D is a D, an F is an F- is being scrapped for the new pharmacy benefit policies. I guess Mr. Bush owed one to the health insurance underwriters.
Anyway, it looks complicated to me. When the time comes I plan to employ a broker to help me figure out what is going on. For anyone living in WA or OR,* I have had excellent experiences using* Dann Loewenthal at Loewenthal Insurance in Eugene, OR.
He helped me find a good individual policy, and took care of many glitches and delays coming from the company. Also he kept in close touch with me all the while.
Before people start harassing me about giving him a plug, I just want to say I donít know the man except through this client-agent relationship, but he has done great work for me.
541 434 9613
800 884 2343
There is also a well informed guy named Art who sometimes posts to this board. He is broker or agent in CA.