| I want to announce that we are now appointed agents with Medico Insurance Co., Omaha, Nebraska, one of the low-cost sources of Medicare Supplement plans A, D, and F.
On the rates below you will find the preferred rates for new applications.
I want to call your attention to the High Deductible Plan F offered by BlueCross and BlueShield. It is the same Plan F that we all know but it has a $2,000 deductible. After that it pays all deductibles and co-pays that Medicare does not. This plan has a very stable rate structure so if you believe that you are a very healthy person or one that just cannot afford another plan then you should consider the High Deductible Plan F.
Plan N with BlueCross and BlueShield is a plan to consider if you want to save some money and do not wish or cannot answer the health questions to qualify for a Mutual of Omaha or Constitution Life Plan F.
The biggest item that must be considered is that you will have to pay your own Medicare B deductible and a co-pay not to exceed $20.00 for every Dr. visit there after. You will also need to pay a $50.00 for every emergency room visit.
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| Yes, I can write BlueCross and BlueShield Medicare Supplements on applicants age 80+. The rate for any one age 80-84 for Plan F is currently $253.00, while age 85+ is $267.00 per month.
Comparison of Plans and Costs for Those that Live Outside of the Chicago Area
MONTHLY RATES.
High Deductible F
Under age 65 $86.00
Age 65-66 $45.00
Age 67-69 $53.00
Age 70-74 $64.00
Age 75-79 $77.00
Age 80-84 $81.00
Age 85 $86.00
Plan F Plan N
Under age 65
on Medicare $267 $187
Age 65-66 $135 $95
Age 67-69 $161 $113
Age 70-74 $196 $137
Age 75-79 $234 $164
Age 80-84 $253 $177
Age 85+ $267 $187
Please read the outline of coverage for deductibles and co-pays that are paid by the plan, which make this plan as close to 100% coverage as I can get you. Call me today.
Remember, Plan N has an up to $20 co-pay for Dr. visits, $50 for Emergency Room visits plus you are responsible for the Part B deductible with is 2011 is $162. After the deductible is paid you will begin paying the co-pay. See me for more details or an outline of coverage.
They do not have gender rates, height and weight charts, tobacco or no tobacco rates.
Everyone outside of the Chicago Metro area pays the same rates with no health questions ever.
United of Omaha has good rates for both Plans F, and Plan G. They do not write Plan N.
I recommend that all age 65 clients consider using these plans because of the excellent Midwest service you will receive.
United of Omaha, a Mutual of Omaha Company
All rates are for non-smoking applicants in Northwest Illinois. Take note of the 7% discount that they will give for a two person household.
Plan F
Female Male
Under age 65 $217.58 $229.02
on Medicare
Age 65 $122.40 $128.85
Age 70 $142.42 $156.49
Age 75 $167.51 $194.79
Age 80 $183.88 $216.33
Plan G
Female Male
Under age 65 $178.46 $187.84
On Medicare
Age 65 $100.39 $105.67
Age 70 $116.81 $128.36
Age 75 $137.40 $159.76
Age 80 $150.82 $177.43
There is a 7% discount for each person in a 2-person household. No requirement that you be of opposite sex, married, related or etc. Just have lived together for the last 12 months. You do not even have to apply together at the same time.
Constitution Life
In the last couple of months Constitution Life has gotten back into the Medicare Supplement business. For a long time they have set their rates so high that no one would buy their coverage but since their Medicare Advantage Private Pay for Service plans have gone by the wayside they have re-worked their rates and have made the commitment to step back into the business.
Male Monthly Rates
Plan F Plan N
Less than age 65 $189 $148
Age 65 $109 $ 74
Age 70 $137 $97
Age 75 $159 $116
Female Monthly Rates
Less than age 65 $164 $129
Age 65 $ 95 $ 64
Age 70 $119 $84
Age 75 $135 $95
The above rates are for preferred applicants that do not use tobacco.
Please note that during Open Enrollment you are not subject to underwriting otherwise you must answer all the health questions and if you have not had any coverage (private, group, or Medicare Supplement) you will have a 6 month waiting period on pre-existing conditions. For that reason I do not feel comfortable writing anyone outside of the Open Enrolment Period that has not had coverage in the last 63 days.
There is a $25.00 application fee on the first month only.
Medico Medicare Supplement Rates
Male Monthly Rates Plan D Plan F Female Monthly Rates Plan D Plan F
Less than age 65 $226.10 $237.63 $200.69 $210.88
Age 65-67 $116.74 $127.60 $101.50 $110.87
Age 70 $133.28 $144.38 $116.05 $125.48
Age 75 $158.50 $169.74 $140.07 $149.75
Age 80 $184.33 $195.49 $157.55 $167.51
Unicare has gotten too high to even consider for a Medicare Supplement. If you have Unicare, you need to contact me ASAP so I can get you a different plan. The next time your plan sends you a bill, call me. If you pay monthly, call me and I'll get you a cheaper plan right now!
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