| Effective 6-1-2010 the new Modern Medicare Supplements went into effect. All plans written with that effective date or later are being written on the new forms. Not much changed for the most popular plan, F, but we have new plans M&N.
I am not going to dismiss Plan M as a alternative to Plan F but with N you can possibly save money vs a Plan F is you do not use your Medicare coverage.
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.
Both Mutual of Omaha and BlueCross and BlueShield are writing Plan N. The great appeal with Mutual of Omaha you have just one health question and with BlueCross and BlueShield no health questions. Below are the new rates for areas outside of the Chicago area.
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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 $234.00, while age 85+ is $241 per month.
Comparison of Plans and Costs for Those that Live Outside of the Chicago Area
MONTHLY RATES.
Plan F Plan N
Under age 65
on Medicare $234 $169
Age 65-66 $125 $88
Age 67-69 $149 $104
Age 70-74 $181 $127
Age 75-79 $216 $151
Age 80-84 $234 $164
Age 85+ $241 $169
Please read the outline of coverage for deductible and co-pays that are are part of the plan that makes it attractive. Call me.
They do not have gender rates, height and weight carts, tobacco or no tobacco rates.
Everyone outside of the Chicago Metro area pays the same rates with no health questions ever.
I believe that currently United of Omaha has the
very best rate for Plans F, Plan G and Plan N.
I recommend that all age 65 clients consider using these plans.
United of Omaha a Mutual of Omaha Company
All rates are for non-smoking applicants in Northwest
Illinois.
Plan F
Female Male
Under age 65 $165.97 $174.70
on Medicare
Age 65 $93.36 $98.28
Age 70 $108.63 $119.37
Age 75 $127.78 $148.58
Age 80 $140.26 $165.01
Plan G
Female Male
Under age 65 $141.07 $148.49
On Medicare
Age 65 $ 79.36 $ 83.53
Age 70 $92.34 $101.47
Age 75 $108.61 $126.30
Age 80 $119.22 $140.26
Plan N
Female Male
Under Age 65
on Medicare $123.64 $130.15
Age 65 $69.56 $73.22
Age 70 $80.93 $88.93
Age 75 $95.19 $110.70
Age 80 $104.50 $122.93
Age 85 $115.22 $128.03
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.
Unicare and Constitution Life have both gotten too high to even consider for a Medicare Supplement. If you have either you need to contact me ASAP so that I can get you a different plan the next time your plan sends you a bill. If you pay monthly call me and I'll get you a cheaper plan right now.
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