Our Medicare Advantage Leads are the most effective assets you will have when it comes to the comptetitive market for seniors entering the health insurance industry today. Thousands upon thousands of agents nationwide are competing not only to get a piece of the action, but to get as much of it as possible.

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Along with Medicare Advantage, Medigap is one of the most sought after types of Medicare coverage available, and that makes our Medigap leads a must have for any insurance agent or broker. Medicare Supplement leads are not only a good source of income - they may very well help you to reach the success that you've been working for.

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We only offer our agent's Exclusive Medigap insurance leads with valid details and real-time delivery. Some lead companies try and sell their "leads" to multiple agents - even dozens! - at a time, and then they wonder why they receive so many complaint and refund requests.

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The Medigap Rules that Insurance Agents Need to Know

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Original Medicare has many gaps in the coverage that it provides to beneficiaries, and that’s why so many of the “baby boomers” poised to enter Medicare will also be opting for Medigap coverage. As an agent, you’ll need a thorough understanding of Medigap and its rules, and this brief overview will give you a good starting point. It can also be used to recap what you already know to prepare for connecting with your Medigap leads.

General and Eligibility Rules

The basic requirements for a Medigap policy is that the prospect should have Part A and Part B coverage. Medigap policies are not necessary if the prospect already has a Medicare Advantage policy, and therefore they cannot join a Medigap policy (i.e it is illegal for anyone to sell them one). Medicare Supplement (Medigap) policies cover only one person, so if your prospect wants to procure cover for their spouse as well, the spouse needs to take out a separate Medigap policy. If the prospect purchases a Medicare Advantage Plan when they’ve already got a Medigap policy, they need to be reminded that the Medigap policy cannot be used to pay the Part C deductibles and coinsurance.

Costs

Most of the prospects you come into contact with will be paying a Part B premium and no Part A premium. They need to be advised that if they want to join a Medigap policy they will have to pay the Medigap premium to the private insurance company providing the policy, and they will still have to pay their Part B premium. Different Medicare Supplement policies have different costs, and they can also fluctuate according to the age of the prospect in question. Depending on the state you’re working in, you can also find out if the Medigap costs are subject to any limits, as this could be an important factor when connecting with prospects.

Medigap Doesn’t Cover

Long-term, vision and dental care, hearing or seeing aids (spectacles, etc.) and private-care nursing services are not covered under Medigap policies. Furthermore, many seniors may become confused as to what Medigap actually is. Medigap is a supplemental insurance that covers the gaps in Part A and Part B – Medicare Advantage, PDP’s, Medicaid and all the other state benefit programs are not Medigap.

If you would like to find out more and take advantage of the Medigap leads we have to offer, feel free to complete the form on this page.

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