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"Your service helped me and my wife to save $1800 per year, even though we kept the exact same medigap supplement plan!"
B, Vaughn. GA

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Hardin Insurance Your Medicare Supplement Plans Specialists

Hardin Insurance is your source for Medicare supplement plans.  Also known as Medigap or supplemental Medicare insurance plans, Medicare supplement plans provide individual medical insurance to cover the costs that traditional Medicare Part A and Part B plans do not cover.  With Medicare supplement plans you can cover some or all of the cost of your co-pays, deductibles and the excess charges not covered by Medicare.

What You Need To Know About Medicare Supplement Plans

Unlike standard insurance plans where coverage varies by plan and the list of variables can be staggering, with Medigap plans Medicare has standardized the coverage into 10 plan options available for you to choose from.  This means that once you have settled on the plan that provides the best coverage for your needs, it is simply a matter of finding the best price offered among the many carriers.  Because each carrier sets their own rates for each plan, based on a wide variety of variables, it is important to shop around to get the best rate for the Medicare supplement plans you are considering.  Rates can vary greatly among carriers, sometimes ranging as much as $75 or more per month for the exact same coverage.

The Benefits of Medicare Supplement Plans

When investigating which Medicare supplement plans are right for you and/or your spouse, it is important to know that there are several key benefits to the plans in general.  The coverage of each individual plan will remain constant throughout the life of the plan.  You do not have to worry about coverage levels changing from year to year.  While coverage does adjust to cover your Medicare deductible and co-pay amounts, you will always enjoy the same features as the original plan you bought into for as long as you hold your insurance.

Additionally, most Medicare supplement plans are guaranteed renewable for life.  Your Medigap plan cannot be cancelled other than for lack of premium payment.  This assurance of complete coverage is a great comfort to many of our customers.

Finally, with Medicare supplement plans you can see any doctor that takes Medicare patients. There are no in-network or out-of-network doctors to be concerned with. Simply find the doctor you like, and as long as they will accept you as a patient and they accept Medicare, then they will accept your Medicare supplement plan.

When to Sign Up for Medicare Supplement Plans

The best time to sign up for Medicare supplement plans varies based on your individual situation. Usually, if you are retiring at the age of 65, the best time to enroll is during the first 6 months before you turn 65 and enroll in Medicare Part B.  However if you are covered by group insurance and you choose to continue working after age 65, you will need to weigh your options.  It is important to compare the cost/benefits of your group health insurance plan versus the total cost/benefits of Medicare Part A, Part B premiums, a Part D prescription plan and a Medicare supplement plan. 

With so many variable affecting the best enrollment times, and individual state requirements also affecting the best time to choose Medicare supplement plans, please do not hesitate to contact Hardin Insurance for individual attention in choosing the right plan for you. 

Navigating the waters of Medicare supplement plans can be intimidating.  Don’t go it alone.  At Hardin Insurance, we have more than 23 years experience helping people choose the right Medicare supplement plans for them.  Let us help you find the plan that will provide the best coverage at the best price.

With just a small amount of information, we can find the Medicare supplement plans that are right for you.  Click here to fill out our online quote form.  We will get back to you within one business day with the plan that is best for you.

Or, for More Information Call 1-800-866-8950.

We look forward to helping you find the Medicare supplement plans that are right for you at the most affordable price available.

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Chris Hardin
Chris Hardin is a 3rd Generation insurance agent.  With twenty years experience, Medicare supplement insurance is an area of expertise.

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