GoWestIns.com
If you are looking for a Medicare supplement, you are at the right place! We have made our site very user friendly with an abundance of information so you can educate yourself about Medicare, Medicare supplements, and other Medicare insurance products. If at any time, you need assistance, you can call our office at (870) 668-3100 and speak with a real person directly. 

Scroll down the page to find educational and helpful information regarding Medicare and Medicare insurance products.
Dear Website Viewer,   

You most likely have found this website because you are looking for Medicare supplement insurance.  Whether you are on Medicare now,  or will be soon, this site will educate you on the "ins and out" of Medicare and provide you quotes for many of the available Medicare supplements in your area.  Below you can review some examples of individuals on Medicare, and compare your situation to those listed; you will get some idea on what route you would like to take on addressing your Medicare insurance needs.  If you have questions at any time please call (870) 668-3100 to get professional advice for your particular situation. There is no charge for the services we provide.
    
I am turning 65  and am eligible for Medicare Part A and B:

Will you be turning 65 soon?  You are going to have an open enrollment period, where you are a guaranteed issue for any insurance product of your choosing.  This "guaranteed issue" period last 3 months before your 65th birth month, the month in which you turn 65, and 3 months after your 65th birth month.  If you or your spouse worked more than 10 years in the United States, you will automatically be enrolled in Medicare Part A.  If you are drawing a Social Security check, you will automatically be enrolled in Medicare Part B.  The Medicare Part B premium in 2012 is $99.90 per month. You will receive a letter from the Social Security office that allows you to opt out of Medicare Part B if you choose.  If you are not drawing a Social Security check, you will have to notify Medicare or your local Social Security office that you would like to enroll in Medicare Part B.  If you are currently employed and have a group health plan, you may want to defer your Part B until you retire.  After retiring, you can opt into Medicare Part B without paying any penalty; you will be a guaranteed issue for any Medicare insurance product available at that time.

   




Medicare supplements, sometimes referred to as medigap policies, help to pay for some or all of the gaps in Medicare.  You will notice that a Plan A Medicare supplement does not cover as many gaps as a Plan F Medicare supplement (plan F covers every gap in Medicare); therefore a Plan A Medicare supplement will cost less than a Plan F Medicare supplement.  It is very important to note that Medicare supplements are standardized from company to company.  For example, AARP's Plan F Medicare Supplement is identical in coverage to Mutual of Omaha's Plan F Medicare supplement or any other company for that matter.  Medicare supplement insurance plans are standardized from the benefits, to the claims processing, to the provider network.  As long as your provider or health care facility accepts Medicare, they must accept your Medicare supplement insurance, regardless of the company.  The Medicare supplement insurance buying process is much simpler when you understand that all Medicare supplements are standardized from company to company.  Once you understand the standardization of Medicare supplement insurance, you will become aware that premium is the primary deciding factor when choosing your Medicare supplement insurance.  Lets take a look at a real scenario that will help to illustrate Medicare supplement insurance and the wide range of premiums:

Wendy Hall from Texas is turning 65 and is interested in a Plan G Medicare supplement insurance policy. Allen is a non-tobacco user and this was the comparison:

Shenandoah Life - $92.87
New Era - $93.22
Western United Life - $93.67
Cigna - $96.91
United World - $101.05
Aetna - $105.62
AARP/United HC - $115.26

The difference in premium between Shenandoah Life and AARP/United HC is $268.68 per year! Again, the coverage, the benefits, the network, and the billing process is identical from company to company.  Which one would you go with?  The most competitive company will greatly depend on the state in which you reside as well as the region (zip code or county). 
The old adage, "you get what you pay for" is not true with Medicare supplements.  In many cases it is best to go with the company that offers the best premium. This fact is important to remember, because in the future you will incur rate increases to your Medicare supplement policy; by contacting us, we can review your current policy and look at all the rates your area to make sure you have the most competitive Medicare supplement insurance policy. Make a note of this: you can change your Medicare supplement at any time of the year. 

Your Medicare supplement is good at any doctor or facility in the United States, as long as that doctor or facility accepts Medicare.  If a person chooses a Plan F Medicare supplement, they will find that they never pay for any medical bills (excluding drugs).  With a Plan F, you will never have a co-pay at the doctors office, the hospital, the outpatient clinic, etc. If you select a Plan G Medicare supplement, you will have the exact set of benefits of a Plan F, save one benefit: Medicare's Part B deductible. With a Plan G Medicare supplement you will be responsible for the $183 Part B deductible.






Medicare prescription drug plans (referred to as "PDP's") typically come in 2 varieties:

*Basic - basic plans ($16+ per month) have an annual deductible, and a value based drug formulary. These plans are usually best for the majority of Medicare beneficiaries.
*Enhanced - premium plans ($45+ per month) that have no deductible and a more extensive formulary. These plans are typically best for those that take several brand name prescriptions.


When looking for the best drug plan, it is helpful to use the "drug plan comparison" on the Medicare website.  Click here to go there now.  We can do this for you if you would like, as this is a service we provide.  Call us @ (870) 668-3100 or click the "get a quote" tab and we can help.  By using this tool, you can find a plan that gives you the best rate while providing the best coverage for the medications you take.  Drug plans are "guaranteed issue", meaning you can not be declined for any health related reason.  You can change your drug plan during the "annual election period" from October 15th - December 7th.
    

   

Medicare Advantage Plans are plans that take the place of Original Medicare Part's A and B, although you are still required to pay your Medicare Part B premium.  Advantage plans normally have a much lower premium than that of a Medicare supplement.  Advantage plans have co-pays for most all health care services.  Advantage plans are similar to Medicare Parts A and B and are legally required to provide "as good or better" benefits than that of Medicare Part's A and B.  Advantage plans do provide better benefits in some cases but the argument can be made that in other cases they provide less benefits.  These plans range in benefits, depending on company, and your geographical location.  It is possible that you could live in an area where plans are available at a $0 premium (you are still required to pay the Medicare Part B premium).  Advantage Plans also utilize provider networks that are specific to each company.  Some Advantage plans have HMO networks, and therefore require you to have referrals and prior authorizations for anything other than a primary care visit.  Before making a decision to go with one of these type plans, be sure you know all the facts.  Advantage Plans can be very confusing and complex; you should have a professional help you in the process.  




Definition of Medicare -
The United States government's program for: Senior citizens (65 years of age and older), certain younger persons with disabilities, and persons diagnosed with "End Stage Renal Disease;" permanent kidney failure requiring dialysis or a transplant..

Medicare - consists of 4 parts: Medicare Part A, Part B, Part C, and Part D.  Don't confuse these with the supplements that use the same letters to describe their plans.  Remember, Medicare is "Part" A, B, C, and D and supplements are referred to as "Plan" A,B,C, D, etc.

Medicare Part A - is the part of Medicare that covers hospice care, home health care, skilled nursing facilities, and inpatient hospital stays.

Medicare Part B - is the part of Medicare that covers doctor's services, outpatient hospital care, and other medical services that Part A doesn't cover such as physical and occupational therapy. Other examples include X-rays, medical equipment or limited ambulance service.

Medicare Part C

a federal program to subsidize the costs of healthcare for Medicare beneficiaries. This part of Medicare was enacted as part of the Medicare Presciption Drug, Improvement, and Modernization Act of 2003 (MMA). Medicare Part C takes the place of Medicare Part A and B.  Certain insurance companies have contracts with the Federal Government to provide "as good or better" coverage than Medicare.  When a person chooses to participate in Medicare Part C and elects to have a Medicare Advantage Plan, Medicare no longer is responsible for paying for that members claims.  The insurance companies that participate in these types of plans, receive subsidies from the Federal Government to help pay for your claims. There are several types of Medicare Advantage Plans including PPO's, HMO's, Medical Savings Accounts, and PFFS (private fee for service). A Medicare Advantage Plan will place a cap on your out of pocket medical expenditures, while original Medicare does not have a cap. Once on an Advantage Plan you lose original Medicare's nation wide provider network.

Medicare Part D - is a federal program to subsidize the costs of prescription drugs for Medicare beneficiaries in the United States that was enacted as part of the Medicare Prescription Drug, Improvement, and Modernization Act of 2003 (MMA) and went into effect on January 1, 2006.

Glad You Stopped In...

Medicare Supplement Insurance

Not affiliated with United States Government or Departments of Insurance
www.gowestins.com
Medicare Supplement Companies Represented:
*Aetna
*Blue Cross Blue Shield
*Central States Indemnity
*Cigna
*Continental American
*Family Life
*Forethought
*Gerber Life
*Heartland National
*Humana
*Mutual of Omaha
*New Era
*Old Surety
*Philadelphia American
*Prosperity
*S.USA
*Sentinel Security Life
*Shenandoah Life
*UnitedHealth Care
*United of Omaha
*United World
*Western United Life

Medicare Supplement Insurance

Medicare Drug Plans

Medicare Advantage Plans

Definitions
Medigap Comparison
What are the gaps in Medicare?
  Printable Medicare Benefits 2012. The gaps in Medicare Part A and B.



What gaps do Medicare supplements pay for?
Printable Medicare supplement graph: Click here to view a user friendly/easy to understand graph, that will illustrate the gaps in Medicare, and which supplements pay those gaps.




Medicare Benefits 2018

Everything you need to know about Medicare and the insurance products available to Medicare beneficiaries.

(870) 668-3100
What Medicare prescription drug plan
is best for me?
  There are no "one size fits all" Medicare prescription drug plans. This is due to the fact that every drug plan has different formularies and copays for the medications on their formulary. The good news is there is a comparison tool on Medicare's website, www.medicare.gov, and you can enter your medications and the pharmacy you prefer and it will give a detailed comparison
of each plan (best to worst) and how they
pay for your medications.