Medicare Supplements
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Why I always start with Medigap plan HDG
- Quite simply, it's the least expensive and everyone should know about it. If I were aging into Medicare today, this is the plan I would get. As a side note; of every possible plan I could sell, this is the one I make the least amount of money on. Last, the $26,493 is a hypothetical savings example. Savings can vary by many rating and price increase factors.
- Original Medicare always pays first with Medicare Supplements, and they negotiate rates extremely well. You can see for yourself using Medicare's Procedure Price Lookup.
- HDG mitigates the uncapped cost Medicare could present without a plan at a very low premium.
- If you're familiar with Medicare Advantage plans, the $2490 high deductible on HDG is significantly less than most max out of pockets on those plans. The high deductible does increase each year ($2700/2023).
- Compared to the most expensive and comprehensive Medigap Plan G, you can save $26,493 in premium over 16 years. At the current deductible of $2490 (2022), you could reach it 10.6 times and still save over Medigap plan G (see illustration).
Who is this plan ideal for?
- Healthy minded individuals in good to great health.
- People who understand high deductible plans and like to keep money in their pockets verse the insurance company.
- You understand a few bad years aren't going to affect the big savings picture illustrated.
- You may be intrigued by Medicare Advantage plans but want the flexibility to see any doctor or hospital without network restrictions.
- If you understand underwriting, the illustration presents a 6% compounding rate increase. Medigap plan HDG will likely be lower due to the healthy population it attracts. Medigap plan G will likely be higher due do the unhealthier population it attracts. It's called adverse selection.
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.
It's quite simple, you pay Original Medicare on Parts A & B until you reach $2490. Medicare negotiates rates well and reaching the deductible is difficult. If you are a healthy minded individual that likes to keep money in your pocket verse the insurance company, it makes a great choice.
Spread Sheet Above
This info was produced in 2022. The same principles still apply, but the 2024 HDG cost sharing is $2800 vs $2490. Plan G would start at $126 vs $120 (same company) and HDG would start at $42.19 vs $34 (different company). If you would like current rates and a no-obligation quote in your area, click below.
Dental & Vision Insurance
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Dental Insurance
PPO Options that allow you to see any dentist, but it's always best to use in-network dentists for the most value and lowest cost. Outside of preventive care, plans typically have reduced benefits, waiting periods or both in the first year.
National Options:
- Allstate (Dental & Vision) - Variety of Plans
- Ameritas Primestar(Dental & Vision) - Big Network & Solid Plans
- Humana (Dental & Vision) - Solid PPO plans.
- Metlife (Dental & Vision) - A $10,000 annual benefit option.
- Mutual of Omaha Dental & Vision insurance along with a Discount option (not insurance) starting at $8.95 a month.
- Spirit Dental (Ameritas Network), Big network and a solid variety of plans. No Vision option but it can be purchased on its own.
- United Healthcare (Dental & Vision) - Variety of Plans
Regional Options:
- Delta Dental of Arizona- Great Network & Plans in AZ only.
- Delta Dental of Ohio, Michigan & Indiana - Great Network, plans are lacking in my opinion.
- Delta Dental of Kentucky - Great plans and network.
- Dental Care Plus Group - Strong OH, KY, & IN network. Have plans in many other states under Dentaquest network as well. Rates quoted are for under 55 years of age, significantly higer for 55+. Please reach out if 55+ for accurate rates.
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.
Building Relationships
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.
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.