Insurance Made Easy
Medicare Explained on a Postcard
Medicare give you 3 options to select from.
Medicare - What you should know
When you turn age 65 you have one shot to select coverage with guaranteed acceptance and no medical exam. After that, you will be subject to medical exams, your medical history and medical underwriting.
Medicare Advantage Plans
These are things that people say about the Medicare Advantage plans;
  • It's a one year contract. I cannot change my plan.
  • Doctors can leave my plan anytime. I cannot change my plan.
  • Hospitals can leave my plan anytime. I cannot change my plan.
  • Insurance companies can change plans anytime. I cannot change my plan.
  • I'm still paying the Medicare Part B monthly premium.
  • Medicare Advantage premiums range from $0 to $200/mo.
  • It feels like I'm getting nickel & dime charges all year long.
  • I have co-pays & deductibles.
  • Every January the annual deductible starts over.
  • Benefits can change every year.
  • I must use doctors & hospitals in my network.
  • My network is local or regional. I may not have any coverage if I go to another state.
  • In 2016 the maximum out-of-pocket expenses were $3,400.
  • In 2017 the maximum out-of-pocket expenses were $6,700.
  • The maximum out-of-pocket expenses are expected to go up each year.
  • In 2019 there are over 2,317 Advantage plans to choose from.
  • It seems like good, cheap insurance ... until I use it.
  • I can only change plans between October 15th and December 7th.
  • I can only disenroll between January 1st and February 14th.
  • People change from Medicare Advantage to Medicare Supplements.
  • People never change from Medicare Supplements to Medicare Advantage.
Medicare Supplements
These are things that people say about the Medicare Supplement plans;
  • It's guaranteed to renew every year forever as long as I make the payments.
  • I'm still paying the Medicare Part B monthly premium.
  • Medicare Supplement premiums range from $100 to $150/mo. depending on my zip code.
  • On Plan G all I have is a $185 deductible (2019). Everything else is covered 100%
  • I can use any doctor in the USA.
  • I can use any hospital in the USA. Even Johns Hopkins or any big name hospital.
  • I do not need a referral to see any doctor. I just go.
Where am I covered?
Medicare Advantage vs Medicare Supplements
Medicare Savings Guide
Happy Birthday!

Now check your medicare supplement plan price.

Did you know you should check your MedSup (Medicare Supplement) insurance rates ever year for changes? In many cases you can lower your monthly premiums and keep the same coverage.

Did you know you could be paying more than necessary for your coverage?

Did you know you you could be paying less for the exact same coverage?

Did your insurance agent tell you that?

You might want to look into the Swith & Save option.

We can review your current Medicare plan and tell you what savings you are eligible to receive.

It only takes 5 minutes!

Who deserves that extra money you're paying? You or the insurance company?

If you live in California, Oregon or Maine then you enjoy the "Medicare Supplement Birthday Rule".

The birthday rule – a 30-day window allowing Medigap enrollees to switch plans following their birthday each year – is in place in California and Oregon. This rule allows for change without underwriting to a plan with the same or lesser benefits. Maine allows Medigap enrollees to switch at any time of the year.

That means you can change your Medicare Supplement plan WITHOUT any medical questions.

Give us a call & we'll review you particular situation and check to see how much you can save.
Dates, Dates, Dates
& More Dates
  •   IEP - Initial Enrollment Period. Begins three months before your 65th birthday, includes the month that you turn 65, and ends three months later. This is your golden window. You can enroll in any Medicare plan (Medicare Advantage or Medicare Supplement) without any medical exams. You are guaranteed into the plan. Your premium rates cannot be increased due to pre-existing conditions. Choose your enrollment carefully. For Medicare Advantage you can change your plan annually, during AEP. For Medicare Supplement plans you can change any time. You may need to go through underwriting, which means medical questions and possible rate increases.
  •   AEP - Annual Enrollment Period. Every year, there's a Fall Open Enrollment Period, when you can sign up for a Medicare Advantage plan, switch from one Medicare Advantage plan to another, or drop your plan and return to Original Medicare (Part A and Part B). Also called the Annual Election Period (AEP), it runs from October 15 – December 7.
  •   OEP - Open Enrollment Period. Starting in 2019, there's a new Medicare Advantage Open Enrollment Period (OEP). It goes from January 1 through March 31 every year. It replaces the Medicare Advantage Disenrollment Period (January 1 – February 14). The Medicare Advantage OEP is somewhat more limited than the Fall Open Enrollment Period. This period allows you to quit your Medicare Advantage plan and return to original Medicare. It's best to contact Medicare in December & tell them you want to cancel your Medicare Advantage plan and return to Original Medicare. Medicare will mail you your effective dates. At this point you can enroll in a Medicare Supplement plan. You'll probably go through underwriting, where they ask you medical questions. If you are approved to enroll in a Medicare Supplement plan you can complete the enrollment and after it becomes effective you can cancel your Medicare Advantage plan. If you do not pass the medical, you can keep your Medicare Advantage plan. No need to contact your Medicare Advantage plan or Medicare.
  •   6 Month Rule - Under federal law, you have a six-month open enrollment period that begins the month you are 65 or older and enrolled in Medicare Part B. During this time you can enroll into a Medicare Supplement plan. This 6 month period is not for Medicare Advantage plans.
  •   The Birthday Rule - Medicare may be a federal program, but California has a great Medicare Supplement (Medigap) law known as the “Birthday Rule”. This rule gives Californians the option of changing their Medicare supplement with NO Medical Underwriting for up to 30 days following their birthday. If you live in California, Oregon or Maine then you enjoy the "Medicare Supplement Birthday Rule".

Links for more info
Here are some great webpages to look at;
Here are some great vidoes to watch;
Must have downloads (PDF)
Get the Medicare Handboook, direct from the US government at
Medicare Handbook
Get the Medicare on a Postcard & Savings Guide
Medicare Savings Guide
Extra Protection
You can get lump sum, instant payments for;
Heart Attack & Stroke

You get the money as soon as your diagnosed with the covered item.

  • Lump sum benefits from 5,000 to $100,000
  • The cash benefits are paid if you are diagnosed with a covered cancer
  • Use the money for anything you want
  • Pay for deductibles/coinsurance
  • Pay for prescription drugs
  • Pay for rehabilitation
  • Pay for travel expenses
  • Pay for extended hospital stays
  • Pay for experimental therapy
  • Pay for everyday expenses such as monthly bills including rent or mortgage, groceries, childcare, housekeeper, dog walker – whatever you need
You can contact us ...
Mike Combe

CA LIC # 0L92499

NIPR # 18533140
Or, we can contact you ...
You can schedule a phone appointment to talk to us about your particular situation. Whether you're turning 65 or would like to 'Switch & Save' your existing Medicare Supplement plan we can help you. You can make a phone appointment that fits your schedule.
Schedule Phone Appt
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