Top 12 Reasons Why to Buy Medigap Insurance in 2008 !!
 

1. Without Medigap coverage, if YOU spend one night in the hospital, it will cost YOU $ 1,024.00 (the Medicare hospital deductible). You could pay this deductible 2 to 4 times per year. 
2. YOU CAN CONTINUE TO WORK AND GET A MEDICARE SUPPLEMENT if you HAVE MEDICARE PART A AND B.  Call and lets discuss your situation !!!
3. If you develop a chronic illness, you can easily spend 10% or more of your annual income on prescription drugs because Medicare Supplements have no prescription drug benefit. (We can HELP YOU save MONEY-Just Call !! )  Part D is for Prescriptions coverage.
4. If you have had the SAME Medicare Suplement company for 5 years or more, Please call to see if I can SAVE YOU MONEY.
5. Even for the services that Medicare covers, you may have to pay up to 15% of the bill because doctors may not accept Medicare Assignment.  ( less than 2% of Doctors do not accept assignment). 
6. If you don't buy Medigap coverage: within 3 months Before / 3 months after the month you turn 65 and YOU are getting or you have Medicare Part B, you may be declined and you may be charged significantly higher premiums due to pre-existing conditions that you have or may develop. I can help- Please CALL.
7. As long as you keep paying your Medigap premiums, the insurance company must renew your policy, regardless of your health.
8. All Medigap policies come with a 30-day "free look" - if, within 30 days of purchasing a Medigap policy, you decide you don't want it, you can get a full refund. 
9.  All claims are filed automatic to you don't have to lift a finger to get your claims paid.
10. You can go to any hospital, any doctor, anyplace, anytime without asking permission unlike an HMO.  That, by itself is worth the peace of mind that you are seeking.
11. If you have a Medicare Supplement which covers the $ 135.00 Part B deductible, YOU pay nothing for services if the doctor participates with Medicare.  Most HMO'S have Co-pays ( which can be expensive if YOU have a SERIOUS or MAJOR MEDICAL PROBLEM ).   
12. With a Medicare Supplement YOU can change plans and companies, Medical History permitting, as often as YOU wish.