Just Med Supps
(513)496-3877
Ruhm Insurance Agency, LLC.

Just Med Supps (513)496-3877 Ruhm Insurance Agency, LLC.Just Med Supps (513)496-3877 Ruhm Insurance Agency, LLC.Just Med Supps (513)496-3877 Ruhm Insurance Agency, LLC.

Just Med Supps
(513)496-3877
Ruhm Insurance Agency, LLC.

Just Med Supps (513)496-3877 Ruhm Insurance Agency, LLC.Just Med Supps (513)496-3877 Ruhm Insurance Agency, LLC.Just Med Supps (513)496-3877 Ruhm Insurance Agency, LLC.
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Medicare Supplements

Medicare SupplementsMedicare SupplementsMedicare Supplements

You may click on either button below for a No-Obligation Quote!

Medigap Plan Only
Medicare Supplement & Prescription Drug Plan

Current State Licenses

AR, AZ, CA License #4365645, CO, FL, GA, IN, KY, KS, MD, MI, MO, NV, Ohio (Resident State), OR, PA, SC, TN, TX & VA. All states subject to change. 

Intro to medicare 101

Why Medicare Supplements?


As an agent that has been in the Medicare space since 2010, the answer is simple. My clients that have a Medigap/Supplement plan are happier. 


Why?


  • Medicare Supplements provide predictable healthcare spending.   
  • You can choose any doctor or hospital that accepts Medicare. 100% of hospitals and approximately 95% of physicians nationwide. 
  • No referrals necessary making second opinions and finding specialist a breeze.
  • No Prior Authorizations or Pre-Approvals. 
  • If traveling or a snowbird, you don't have to worry. You can use your plan without network restrictions.
  • Standardized plans across the country.  It's the same plan no matter what company you choose or where you live.  Moving? The plan goes with you.
  • You may change plans anytime with a few exceptions explained below. 
  • Skilled Nursing Facility is one of the biggest headaches with Advantage plans, not with a Supplement. 


When can I change my Medicare Supplement plan? 

This is a common source of confusion with Medigap/Supplement Plans.


You can shop Medicare Supplement plans anytime. However, outside the initial 6-month Medicare supplement open enrollment window that coincides with your Medicare Part B effective date, you will be asked medical questions and may not qualify. Unfortunately, some people could be with one plan for life depending on health. Therefore, it's important to pick the right plan and insurance company, not the cheapest.  I have a video below with common conditions that may cause a decline.  A few states Guarantee Issue situations may present themselves that we can discuss.


Why Change Medicare Supplement Plans?


You will see increases in premiums as you age and you could save money on the exact same plan. Here are a few examples:


  1. You've been with the same carrier for 3+ years with significant increases and you're in good health.  
  2. You have Plan F that was available for those that aged into Medicare before 1/1/2020.  Plan G makes more sense 99% of the time. I have not seen Plan F make mathematical sense since plan G came into existence.
  3. You have a Medicare Advantage plan and you don't like it. You can drop your Medicare Advantage plan 10/15-3/31 and apply for a Medigap/Supplement plan. Don't drop/cancel your Medicare Advantage plan until you are approved for a Medigap/Supplement plan.
  4. You have no idea what plan you have or who your agent is. 
  5. You want an agent and not a call center helping you. 


Annual Election Period (10/15-12/7)


Medicare supplements do not have an annual election period like Medicare Advantage and Prescription Drug plans. If you're happy with your plan and premium, you don't need to do anything. However, if you want to drop your Medigap plan and enroll in a Medicare Advantage plan, this is your window.  Just remember, you may never be eligible for another Medigap plan again.


If you have a Medigap plan, you should have a stand-alone prescription drug plan. This is the time you can change plans without a special election period. It's always a good idea to shop plans, especially if any prescriptions have changed.


Open Enrollment Period (1/1-3/31)


If you have buyers remorse over a Medicare Advantage Plan, you can drop it and apply for a Medicare Supplement with a Stand-Alone Prescription Drug plan. Do not drop your Medicare Advantage Plan until you apply and get the approval from your Medicare Supplement company. You can also change Medicare Advantage Plans or simply go to Original Medicare during this election period.


Schedule Appointment

Medicare Supplement Video Series

Medicare Supplement Plan G, N or High Deductible G (HDG) 2024


Medicare Supplement Plans G & N are the two most popular plans. High Deductible G is the best kept secret that you may have never heard about because your agent cares about their comission needs vs your financial needs.  See video right below. 

Plan G vs Plan High Deductible G (HDG) and how a 6% annual rate increase over 16 years could effect you. All the details about Medigaps best kept secret plan.


Learn how you can save $26,493 in premium over 16 years with plan HDG. Like what you see? I have an entire section below on HDG.

Why it's really not a High Deductible, a few objections with HDG, competition, and some plans to consider.


You are likely coming off an Obamacare or Group Health Plan and you had a high deductible. This high deductible is really a cost sharing and significantly better than what you had with your inidividual or group plan.  In addition, you'll learn about some plans that you can choose from with HDG. One carrier has Silver Sneakers (may not be available in your area).

Top Medicare Supplement Declines


Learn when you can get a Medicare Supplement outside of your Initial Medicare Supplement election and why you may be declined. 

Medicare Supplements & Pre-Existing Conditions


In the majority of situations, you will not have to worry about Preexisting conditions. However, if you have a lapse in coverage of 63+ days, they may apply. We address this common concern and how they apply to Medicare Supplements.

Plan HDG + Hospital/Cancer/SNF): A simple way to supplement your HDG plan at a much lower cost than Plan G


A great solution if you love the idea of HDG, but want to alleviate some of the deductible with a supplemental hospital, cancer, & SNF insurance plan.  Depending how it's tailored, your all in cost could be lower than Plan N and significantly lower than Plan G. The supplemental carrier has never had a rate increase with this product to date. 

Dental Insurance or Discount Plan (not insurance)?


We have individual dental & vision plans. Learn about the differences between these plans in this video.  Scroll down to my dental section for a no-obligation quote. It takes less than a minute.


Get-A-Quote

Medigap High Deductible G

Medigap High Deductible G

Medigap High Deductible G

Medigap High Deductible G

Medigap High Deductible G

Medigap High Deductible G

Why Medigap Plan HDG

  • High Deductible G is the least expensive. 
  • Original Medicare is primary and they negotiate rates extremely well. You can see for yourself using Medicare's Procedure Price Lookup. Medigap HDG mitigates Original Medicare to $2874 (2025). Without a Supplement, there is no annual maximum stop gap.
  • Compared to the most expensive and comprehensive Medigap Plan G n 2022, you can save $26,493 in premium over 16 years (illustration above).


Who is this plan ideal for?

  • Healthy minded individuals in good to great health.  
  • You currently have a high deductible plan with your employer or Obamacare.  This video explains how High deductible G is different and better. 
  • You like the idea of Medicare Advantage plans, but not being managed by the insurance carrier with referrals, prior auhorizations, and pre approvals. 


Who is it not ideal for?

  • Finances aren't a concern, and you simply want the most comprehensive plan available.  Go with Plan G.
  • Aging into Medicare with chronic and/or terminal illnesses.  If you have any of the conditions in the Medicare Supplement Decline video above, Plan G or N may suit you better.


Summary:

G, N & HDG Medigap plans are all excellent choices and will serve you well. However, Medigap plan HDG is not mentioned to many because it's the lowest cost plan. It's actually the plan that would make Insurance Agents the lowest commission of any plan available. Quoting a fellow agent on LinkedIn, "You could not sustain a lifestyle selling HDG". I disagree with her comment and reasons for being an agent with this sentiment.


The easiest way to understand High Deductible G. You have Original Medicare until your Part A and B costs reach $2874. Original Medicare negotiates rates extremely well.  It takes a pretty significant health year to reach the high deductible, unlike your plan you may have had before turning 65.  

Spread Sheet Above

This info was produced in 2022. The same principles still apply, but the 2025 HDG cost sharing is $2874.  For a no-obligation quote with current rates, click on "Get A Quote".

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Medicare Procedure Price Lookup

Original Medicare Negotiated Rate
Procedure Price Look Up

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I will send a no-obligation quote on Medicare Supplement Plans G, N, & High Deductible G (HDG). If I'm not licensed in your state, I'm happy to provide a quote and help you find a trusted agent.

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If you need help with a Prescription Drug Plan, please click on this link and be on the lookout for a Needs Assement email to follow from Christopher Ruhm.

We do not offer every single plan available in your area. However, I can show you every Medicare Supplement and Prescription drug carriers rate in all states. Any information I provide is limited to those plans we do offer in your area. Please cont

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Dental is not covered by Medicare. Please visit my parent company website where you can run quotes, apply, and enroll in many dental insurance plans in minutes without obligation.

Chris Ruhm-Insurance Advisor

Chris Ruhm-Insurance Advisor

Chris Ruhm-Insurance Advisor

 I began my insurance career in 2000 and have helped 1000's of people with Medicare solutions since 2008.  I'm an independent agent that quickly learned being limited to one carrier was not in the best interest of my clients.  I have quoting access to every carrier available in your market. I determine the best plan based off your needs. 

 I began my insurance career in 2000 and have helped 1000's of people with Medicare solutions since 2008.  I'm an independent agent that quickly learned being limited to one carrier was not in the best interest of my clients.  I have quoting access to every carrier available in your market. I determine the best plan based off your needs.  My method is "Financial Needs" , not  "Commission Needs" analysis. I always have your best interest, not mine.

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Chris Ruhm-Insurance Advisor

Chris Ruhm-Insurance Advisor

I have built solid relationships with Financial Planners, CPA's, Property & Casualty Agents and Human Resource Managers to name a few. Being specific in your field allows you to cultivate strong relationships with your clients and referral partners. I am licensed in 14 states and appointed with many insurance carriers to help protect your assets in retirement. 

Ruhm Insurance Agency, LLC

While this site is dedicated to Medicare Supplements, I do offer a variety of additional offerings.  I am located in Cincinnati, Ohio.  Book an appointment here.

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Insurance Stuff

This is a proprietary website and it's not, associated, endorsed or authorized by the Social Security Administration, the Center for Medicare and Medicaid Services, the Department of Health & Human Services or any State Departments of Insurance.  I am not connected with the Federal Medicare Program.


Never cancel your current policy until your new policy is effective.  Any changes to your health prior to coverage taking place needs to be reported to the insurance company, which may result in a policy not being issued.


The insurance company compensates me by helping you find a plan. Most importantly, I will never sell a policy based off an incentive or higher commission. I am a one person agency, you always get me when you call, text or email.  I will not sell, solicit or share your information with any outside sources other than what may be involved with applying for coverage with a carrier and their privacy practices.


We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.  My Medicare Supplement quoting tool can show every carrier offering Medicare Supplements at your request.



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