Medicare is the federal government program that provides health care coverage (health insurance) if you are 65+, under 65 and receiving Social Security Disability Insurance (SSDI) for a certain amount of time, or under 65 and with End-Stage Renal Disease (ESRD).
The Centers for Medicare & Medicaid Services (CMS) is the federal agency that runs Medicare. The program is funded in part by Social Security and Medicare taxes you pay on your income, in part through premiums that people with Medicare pay, and in part by the federal budget.
Instead of spending hours on the phone, giving various agents the same information, OL Insure can find you the best coverage at the most affordable prices after you fill out one simple questionnaire to start receiving free quotes right away.
Decide which plan you want:
Pick your policy:
Contact the company:
Getting numerous quotes allows you to compare both the cost and the coverage being offered by Medicare insurance companies. Remember that the cheapest quote may not be the best. Making sure that your most valuable asset is fully protected is crucial when comparing policy options.
Have a look at our rundown below to see the best process for comparing the quotes that you receive.
The first step is to get the quotes themselves. You have a few options for this, including visiting a local Medicare insurance agent, contacting an insurer directly online or over the phone, or going through an online marketplace such as The Zebra. The great thing about using a quotes comparison site like The Zebra is that you get the chance to compare Medicare insurance quotes side-by-side from multiple companies at once, saving you time and — very likely — money.
The cost is probably the first thing that will grab your attention. While it's important to fit your Medicare insurance into your budget, remember that the cheapest policy isn't necessarily the best one. If a quote is exceedingly low, make sure that it actually provides the coverage that you need.
One of the most important parts of shopping for Medicare insurance is finding a policy that fully covers you, your Medicare and your belongings. This includes both coverage types as well as your coverage limits. Learn more about how much coverage you need.
A big contributor to how much you pay per month on your Medicare coverage is the cost of your deductible. A lower deductible often means higher monthly payments. Just be careful not to set your deductible so high that you may struggle to meet it should you need to file a Medicare claim. Also, make sure to consider whether there are separate deductibles for perils such as hurricanes or windstorms.
The reputation of your Medicare insurance carrier should be considered when choosing a policy. It's important to go with a trusted insurance company that is responsive and able to resolve claims in a positive and timely manner. Find more information in our guide to the best Medicare insurance companies.
Medicare Part A covers:
In general, Medicare Part B covers two types of services:
You pay nothing for most preventive services if you get the services from a health care provider who accepts assignment. In general, Medicare Part B covers things like:
Leads are a necessity for any insurance agent. Without leads, you're not selling any policies. However, all leads aren't created equal. Some leads show promise, while others will result in a waste of energy and time.
There are two categories of leads you will deal with in the insurance industry. Understanding each can help you determine the value of a lead provider and decide if the service is right for you.
Buy Leads Sell Leads