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Are you eligible for Medicare benefits this year? Have you learned all you need to know when it comes to your benefits and how they’re going to affect you? Perhaps you have been doing your research since the day you decided you were going to retire, but one thing that you may not be aware of is that as soon as you have Medicare coverage with both part A and part B you are eligible to enroll in a Medigap supplement plan that could save you hundreds if not thousands of dollars in your retirement years. These days we all can use a little bit of good news and some savings, I know that I could. As you may be aware you are automatically enrolled in traditional Medicare part A on the first day of the month that you turn 65. At that same time you have the option to enroll in Medicare part B even if you are still employed but choose not to go with your employer’s health insurance coverage. Medicare part B comes with the monthly deductible and just like part A will provide you with good coverage in your retirement years. But there’s one catch, traditional Medicare will only cover a percentage of your medical costs leaving you with a balance. And depending on the condition of your health and the type of treatment you may need as you get older your portion could quite possibly break the bank. That’s where supplemental insurance will come into play.

Once you are enrolled in both Medicare Part A and part B you could enroll in it Medigap insurance plan such as United healthcare supplemental insurance during the open enrollment phase and you will have guaranteed issue regardless of the condition of your health. This type of insurance can be purchased for a small monthly premium depending on the plan you choose and will cover the medical costs that are left over after traditional Medicare pays their portion. There are several plans that are available to you depending on what type of coverage you need. All of these plans are exactly the same regardless of which carrier you choose to go through. The difference will be the premiums that you were charged, you see there our different variables that are taken into consideration by the carriers that determine the premium that you will be charged. So for that reason it is very important for you to shop around for the best premium rate at will fit into your monthly budget, especially if you will be on a fixed income in your retirement years.

Medicare supplements are gaining in popularity for retirees because of the money that they can save you when you need to have medical attention. And the monthly premium is a small price to pay for the coverage you are guaranteed with each individual plan. So if you are approaching your retirement years take the time to look into Medicare gap insurance and see how you can plan for your future as it relates to your health care. Simply by calling 1-800-MEDIGAP you cannot all of your questions answered and fill out an application with any of the highly trained agents who are available to you 24 hours a day.