While we are still working, we often think about our retirement. But unfortunately, even in our golden years, neither social security nor medical insurance can cover all our life-related expenses.
Baby boomers have a unique problem: advances in medical technology and prescription drugs mean that people live longer than ever before and greatly underestimate the money they need to retire. Prescription drug costs or monthly co-payments for accidental medical appointments can put a lot of pressure on your budget. Therefore, having a Medicare plan within your budget is very important for the latter half of your life.
In this article, we will talk about some of the best Medicare providers in the USA also about a brand called, and how they can be suitable for you.
- Most Affordable Medicare Supplemental Insurance: Humana
- Best for Claims: Aetna
- Best Customer Service: Blue Cross Blue Shield
- Best for Quick Service: United Medicare Advisor
- Best Overall for Medicare: Cigna
Humana, one of the most affordable medicare providers, its plans are supplied nationwide. Humana provides supplementary policies for most of the medicare plans, and some of Humana’s plans also provide international insurance.
Humana has an easy-to-use search function through which you can prepare options in your state by entering your zip code. In most states, you can also choose to meet with a local agent to discuss your plan options without having to log in online.
Aetna has less expensive medicare plans as compared to other ones and has the choice to supplement 5 out of 10 medicare plans. Aetna’s plan covers many competitors, 100% of which covers most of the costs of Medicare plans A and B, and even 80% of travel emergencies. Many Aetna plans also cover the cost of special care, which is usually not included in the standard Medicare supplement plan.
- Blue Cross Blue Shield
Blue Cross Blue Shield provides insurance through partnerships with more than 30 well-known medical service providers. It is estimated that 95% of independent hospitals and medical institutions have established partnerships or signed contracts with Blue Cross Blue Shield, and the program can be used in all 50 states.
You can easily search online for plan options through the Blue Cross Blue Shield website. Through its extensive network options, you don’t have to change doctors or primary care current provider to avail your benefits, until your current provider accepts Medicare.
- United Medicare Advisor
United Medicare Advisors is not an insurance provider, but it can show you a complete list of all policy providers serving your area to help you quickly compare policy options. United Medicare Advisors has established contacts with more than 27 Medicare supplemental insurance policy providers, and its system operates in 45 states.
After providing some personal information about yourself, you can view the supplementary policies, fees, and a list of included and excluded items that you can use. United Medicare Advisors’ online insurance database can help you get coverage as quickly as possible, thus saving you time in choosing a plan and saving money in the process.
Cigna Insurance Company offers competitive premiums and currently offers policies in 38 states. If you and your spouse have signed an insurance policy, you can even get a discount through Cigna’s Family Premium Discount Plan.
Cigna’s supplement policy does not give up quality at low prices. The company’s policies supplement Medicare Parts A, B, and D (prescription drug coverage) and other less common Medicare benefit plans. Some of Cigna’s advanced plans also include international emergency insurance.
Cigna’s policy also guarantees lifetime renewal, unless the situation worsens, you don’t have to worry about being suddenly removed from the plan. Cigna has a wide range of availability and affordable prices and is a good supplemental insurance option.
Since medical insurance has become so important, it is difficult to rely on one option and choose that. The best way to choose is by requesting a lot of quotes from different Medicare providers. Generally, health insurance companies have their own formula to determine the monthly insurance premiums, so you might get five completely different quotes from five different insurance companies.