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Choosing a quality Medicare supplement plan can seem like a daunting process . Medicare supplement plan choices are abundant, but how do you know which one is right for you?  In this article I want to provide several tips to help you avoid making a mistake when selecting a Medicare Supplement Plan.

There are a lot of changes in Medicare supplement plans occurring in 2010, with the most noticeable changes being the addition of Medicare supplement plans M and N, and the elimination of a variety of other plans . This was done in order to make Medicare supplement plan choices more tailored to the individual needs of seniors .

The one thing about the variety of Medicare supplement plan choices is that they are standardized between the different companies offering them . This means that you never have to worry about a plan N from company A being different than a plan N from company B, the coverages will be exactly the same .  The only difference is the premium charged by each individual insurance company.

This makes things easier for the seniors who are looking for a Medicare supplement plan, because they do not have to worry about different companies offering different products . Because price is the deciding factor, once you have decided which plan type is best for you, choosing the right company can be done is just a few minutes.

When it comes to Medicare supplement plan choices, what are your options?

It really comes down to exactly what you need. You do not have to worry about your spouse when considering purchasing a Medigap plan, because each individual is required to have their own . This means that when you purchase a Medicare supplement plan, it covers only you, and not your spouse.

Because there is such a variety of plans that provide protection over and above standard Medicare parts A and B we advise speaking with an independent agent that represents many different companies . You need to talk to a company that is not tied to any one provider since they would be hard pressed to give unbiased recommendations .

For this, you can visit www.medicarebenefitsdirect.com to request your free quote or talk to an agent today!

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With 11,000 boomers turning 65 every day in 2011 , the number of retirees will hit an all time high.  Many of our new medicare supplement clients are looking for ways to stretch their monthly budget  .  With the life expectancy of the boomers expected to be the longest in history , it is easy to see why our clients are concerned .

Our client recommended 4 easy ways to reduce your monthly expenses that don't involve living in a cave or collecting cans for recycling (smile).

1. Make sure you have the best supplemental medicare insurance plan:  You can compare medicare supplements and medicare advantage plans to see which one is sound for you.  Since we are an independent agent, we can quickly help you compare plans from all companies in your area .  This can often save $150-$175 per month per couple.
2. Get quotes on your home and auto insurance policies :  When you turn 65 most companies realize you are less risky to insure so they offer super discounts .  Use a quality independent agent and see how much you can save.  We have seen many clients cut $100 or more off their bill each month.
3. Drop your home land line and use your cell phone :  If you use a cell phone and never go over your minutes, you might be able to drop your land line and save $50-$80 per month.  Make sure this won't cause issues such as effecting your alarm system or other medical warning device systems .  But this works for a lot of our customers.
4. Take money out of low rate CDs and move it to a good fixed annuity :  If you have money in a CD that you will not need to touch for 24 months , you can usually double the return on your money by moving it to a simple fixed annuity.  This is not going to save you money each month, but over 24 months you will have an extra $1500 to $2000 in interest earning on $25,000 in principle.

With just these 4 tips you could have an extra $7000 in your pocket after 24 months !  Not bad for a few changes that don't have any effect you your quality of life or daily activities .

For more information about medicare supplement insurance or any other type of financial protection, don't hesitate to contact one of our medicare insurance specialists.  They are always ready to help!

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In helping a young struggling American file income taxes,of ,000 income, 1/4 was taken from his paycheck (00 Federal, 35 Social Security Tax, 0 in Medicare tax, 70 in State Income Tax). After all the other "dues" and healthcare insurance were deducted from the income, what was left was barely above ,000. Rent, car payment, utilities, car insurance, license fees, school fees, telephone, and other "necessities" left the taxpayer with no money to buy clothes, or put aside for the future. What was really appalling was that when we added up all the municipal, state, federal, excise and other taxes that were paid in addition to the taxes withheld from the paycheck, (utility tax, phone taxes, sales taxes, etc) more than 50% of the total pay was paid out in taxes. What services has our local, state, and federal governments provided to this taxpayer to earn that money? How can he/she live the American dream? Doesn't qualify for assistance. Where's the better life?

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