Ronnie Shane
Shane Financial Services, llc

Peace of mind for YOU and those YOU love


Many well rated companies are now offering Medicare Supplement Insurance Policies in the state of Indiana. 


This increased competition can mean substantial savings for you.


Click Here For Medicare Supplement Quotes


Medicare publication  “Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare”  2019               says on page 19

Comparing Medigap costs

As discussed on the previous pages, the cost of Medigap policies can vary widely. There can be big differences in the premiums that different insurance companies charge for exactly the same coverage. As you shop for a Medigap policy, be sure to compare the same type of Medigap policy, and consider the type of pricing used. See pages 17–18. For example, compare a Plan C from one insurance company with a Plan C from another insurance company. Although this guide can’t give actual costs of Medigap policies, you can get this information by calling insurance companies or your State Health Insurance Assistance Program. See pages 47– 48.

You can also find out which insurance companies sell Medigap policies in your area by visiting    (OR Call me to see how much you can save at 765-381-0353)

The cost of your Medigap policy may also depend on whether the insurance company:

           Offers discounts (like discounts for women, non-smokers, or people who are married; discounts for paying yearly; discounts for paying your premiums using electronic funds transfer; or discounts for multiple policies).

           Uses medical underwriting, or applies a different premium when you don’t have a guaranteed issue right or aren’t in a Medigap Open Enrollment Period.

           Sells Medicare SELECT policies that may require you to use certain providers. If you buy this type of Medigap policy, your premium may be less. See page 20.

           Offers a “high-deductible option” for Plan F. If you buy Plan F with a high-deductible option, you must pay the first $2,300 of deductibles, copayments, and coinsurance (in 2019) for covered services not paid by Medicare before the Medigap policy pays anything. You must also pay a separate deductible ($250 per year) for foreign travel emergency services.

If you bought Medigap Plan J before January 1, 2006, and it still covers prescription drugs, you would also pay a separate deductible ($250 per year) for prescription drugs covered by the Medigap policy. And, if you have a Plan J with a high deductible option, you must also pay a $2,300 deductible (in 2019) before the policy pays anything for medical benefits.

Keep in mind that if you are not in an open enrollment period or a guaranteed issue period you might not qualify. 

Medicare Supplement Quote For your NO obligation quote

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