Health & Life Insurance For



Rick Sobotka, MBA
President &
Independent Advisor


        AZ Direct: (623) 229-7802
        AR Direct: (501) 264-4776

     Toll Free: (866) 478-8251
                Fax: (866) 773-9748   

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Medicare 101

We've made available some links to pamphlets or brochures (click here) for you to either view or download.  This information will help you get a much better understanding of Medicare and the options available to you.  

You must keep in mind that although the Government has standardized Medicare; where you live, how old you are, your current health situation, your financial resources, how much you want your plan to cover versus how much in premium you wish to pay, all determine which plan is most suitable for you.

Medicare has 4 (Four) PARTS: Part A Part B Part C Part D

MediGap (Medicare Supplement) - is standardized by the Federal Government whereas each insurance company MUST offer the exact same benefits under the same PLAN.

There are 10 different MediGap (Medicare Supplement) plans available. Not all States offer all 10 plans. The Plans are Plan A, Plan B, Plan C, Plan D, Plan F, Plan F (High Deductible), Plan G, Plan J, Plan K, Plan L, Plan M, Plan N.

Each MediGap (Medicare Supplement) Plan is designed to offer a different set of benefits carrying different premiums.  Premiums are largely determined by 5 basic things: Age, Gender, Zip Code, Tobacco Usage, and selected MediGap (Medicare Supplement) Plan (A-N).

If you are seeking full coverage under your MediGap Plan (Medicare Supplement), Plan F is the most comprehensive.  However it rarely, if ever, makes sense to have a Plan F versus a Plan G.  The only difference between Plan F and Plan G is that Plan F pays your Part B annual deductible of $140 (2012).  However, you generally will always pay more than $140 in premiums.  So, if you don't go to the doctor you save $140 in unnecessary premium and if you do go to the doctor then all you pay is the $140.  Either way, you come out ahead.  If you elect full coverage always use Plan G versus Plan F, it will save a few dollars.

Medicare has preventive services as well.  For a complete listing of these preventive services click here: Preventive Services.

Costs for Medigap Policies

The cost of Medigap policies can vary widely.  There can be big differences in premiums that insurance companies charge for exactly the same coverage.  As you shop for a Medigap policy, be sure you are comparing the same Medigap policy (for example, compare a Plan F from one company with Plan F from another company).  Each insurance company sets its own premiums.  It is important to ask how an insurance company prices Medigap policies.  How they set the price affects how much you pay now and in the future.  Medigap policies can be priced or "rated" in three ways.  

  • Type of pricing
  • How it's priced
  • What pricing may mean for you

Community-rated (also called No-Age-Rated)

The same monthly premium is charged to everyone who has the Medigap policy, regardless of age. Premiums are the same no matter how old you are.  Premiums may go up because of inflation and other factors.  

Issue-Age-Rated Policies

The premium is based on the age you are when you buy (are "issued") the Medigap policy.  Premiums are lower for younger buyers and won’t change as you get older.  Premiums may go up because of inflation and other factors.

Attained-Age-Rated Policies

The premium is based on your current age (the age you have "attained") so your premium goes up as you get older.  Premiums are low for younger buyers, but goes up as you get older and can eventually become the most expensive.  Premiums may also go up because of inflation and other factors.

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