Temmen Insurance

Blue Cross Blue Shield building in Des Moines, Iowa.

Is Blue Cross Blue Shield Medicare the way to go?

Medicare Advantage plans and Medicare supplement plans help pay for some of your Medicare costs that are otherwise out-of-pocket expenses for you. These plans help with deductibles, copays, and coinsurance. Many private insurance companies sell Medicare Advantage and Medigap plans. One of these companies is Blue Cross Blue Shield (BCBS). BCBS offers a wide variety …

Is Blue Cross Blue Shield Medicare the way to go? Read More »

Senior couple in garden

7 States with Extra Medigap Guaranteed Issue Rules

Better Coverage for Seniors Medigap plans are supplemental policies that help cover the cost of co-payments, deductibles, and other out-of-pocket expenses not covered by Original Medicare. However, not all Medigap policies are created equal. Some Medigap plans have a guaranteed issue rule that requires Medigap companies to offer a Medigap plan to anyone who applies. …

7 States with Extra Medigap Guaranteed Issue Rules Read More »

What Can I Do If I Can’t Afford Medicare?

Medicare is a federal program created to cover various healthcare services such as hospice care, skilled nursing facility care, durable medical equipment, preventive screenings, etc. Though Medicare helps to cover important medical and hospital costs, this coverage isn’t exactly free. To keep your Medicare coverage, you must cover certain costs such as premiums, copays, deductibles, …

What Can I Do If I Can’t Afford Medicare? Read More »