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Best Medicare plan, cost, and enrollment tools for seniors.
David Bynon is a Medicare and Information Technology (IT) expert and the founder of MedicareWire.com. He has been studying, analyzing, and writing about Medicare health insurance for more than a decade, including his latest book, "Why Medicare Advantage Plans are Bad", available on Amazon.
Since retiring from the U.S. Navy in 2007, David put himself on a new mission to make Medicare less confusing and help consumers find, understand, and choose the best coverage.
Using the IT skill he honed throughout his Naval career, David developed MedicareWire's Plan Finder software, which publishes all private Medicare insurance plans, including downloadable PDFs. The data is refreshed quarterly.
When not writing new articles to help beneficiaries understand their options and make better choices, David provides a free insurance quoting service.
You can reach David with questions or comments at David@MedicareWire.com.
by David Bynon,
Compare Supplements with the Medigap Comparison Chart
You can use our Medicare Supplement Insurance plans comparison chart to compare Medigap plans side by side. Easily explore benefits, and costs, and see all plans where you live using our free service.
How to Compare Medigap Plans
Use the … [Read more...] about Medigap & Medicare Supplement Chart Explained
by David Bynon,
What are the Medicare Advantage Eligibility Requirements?
Anyone enrolled in both Medicare Part A and Part B (Original Medicare) is eligible to join a Medicare Advantage plan in their area. This includes individuals who have Medicare due to a disability, regardless of their age.
In this article, … [Read more...] about Requirements for Medicare Advantage Eligibility
by David Bynon,
What Documents Do I Need to Apply for Medicare?
To apply for Medicare, you must prove that you are eligible. Proof may include verifying your age, citizenship or residency status, work history, income history, and military service.
In this article, we'll go over all of the documents you may need … [Read more...] about Documents Required to Apply for Medicare
by David Bynon,
What is Plan G and What Does it Cover?
Plan G is 1 of 10 standardized Medicare Supplements. It is the most popular plan sold today because it covers all costs except the Part B deductible. And, it is one of two plans with a high deductible option.
We have identified 9 Medicare Plan G pros and … [Read more...] about 9 Medicare Plan G Pros and Cons You Can’t Ignore
by David Bynon,
What is the Average Cost of Medigap Insurance?
According to our research, the average cost of Medicare Plan G is $132.25 per month, whereas the average cost of Plan N is $98.85. Plan G and Plan N are the most popular plans purchased by new beneficiaries.
We evaluated over 100 Medicare … [Read more...] about Average Cost of Supplemental Insurance for Medicare
by David Bynon,
Comparing Medigap Insurance Companies by Rate Increases
One of the most important bits of information you need before buying a Medicare Supplement policy is its rate increase history. It tells you how much the carrier has raised its rates over the past few years. Without this information, you could … [Read more...] about Free Rate Increase History for Medigap Plans
by David Bynon,
What Does Medicare Part B Excess Charges Mean?
Healthcare providers that don't accept Medicare's standard rates as full payment are allowed to add up to an additional 15% to your bill. This additional amount is a Part B excess charge.
In this article, we'll explain what Part B excess charges … [Read more...] about Medicare Part B Excess Charges Explained
by David Bynon,
Why Are Some Medicare Advantage Plans Free?
A Medicare Advantage plan with a zero-dollar monthly premium isn't free because you must continue to pay your monthly Part B premium. A zero-dollar premium simply means the plan does not have an additional premium.
In this article, we'll explain the … [Read more...] about Free Medicare Advantage Plans (or are they?)
by David Bynon,
Should I Switch From Plan F to Plan G?
Medicare Plan F premiums are increasing much faster than Medicare Plan G. Plus, in nearly all cases, annualized Plan G rates, plus the Part B deductible, are less than Plan F. As a result, Plan G is more economical, making it worth the switch.
In this … [Read more...] about 7 Facts About Medicare Plan F vs Plan G
by David Bynon,
What is Medigap vs Medicare Advantage?
While they are both private insurance, Medigap and Medicare Advantage are very different. Medigap works in lockstep with Original Medicare to help pay deductibles and copays. Medicare Advantage replaces Original Medicare with a private HMO or PPO-type health … [Read more...] about Medigap vs Medicare Advantage in 3 Minutes!
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