Welcome to The Ahlbum Group a Medicare Supplement Accredited Advisor and Top 10 United American Insurance Agent. We offer insurance solutions and services for consumers looking to supplement their Medicare coverage with Medigap plans, Long Term Care Insurance for medical needs not covered by health insurance, Medicare or Medicaid. We also offer Life Insurance or Final Expense Insurance to protect your family or business in the event of your death.
We are a family owned business and we know how important family is to our clients. We believe in developing long term relationships with all of our clients and getting to know them so that we can provide them with the best insurance solutions to meet their needs. Our agents provide personal service and attention.
Contact Us today and let us help you with your insurance planning.
A Medicare Supplement Insurance policy (also called a Medigap policy) is health insurance sold by insurance companies to fill gaps in your Original Medicare coverage.
Medigap policies are used to help assist you in paying for your copayments, or deductibles of Medicare covered services.
Medicare Supplement Insurance companines can only sell you a “standardized” Medigap policy identified by letters A, B, C, D, F, High-Deductible F, G, K, L, M and N.
Since a Medicare Supplement Insurance company can only sell you a “standardized” Medigap policy each policy must offer the same basic benefits, no matter which insurance company provides the insurance.
The Medicare Open Enrollment Period is the six month period beginning on the first day of the month in which you are enrolled in Medicare Part B. If you are on Medicare under age 65, you will also have a six month Open Enrollment Period when you reach age 65. This is the best time to purchase a Medicare supplement because an insurance company cannot turn you down and or charge more due to a health problem. Insurance companies can apply up to a six-month waiting period for pre-existing conditions to your medigap policy, but that can be eliminated or shorten if you have had prior credible coverage. A pre-existing condition is a condition for which medical advice was given or treatment was recommended by or received from a physician within six months before the effective date of coverage.
What is Medigap Insurance? Medicare provides a lot of coverage for medical expenses, but it doesn't cover everything. So some people choose to buy a separate policy to provide coverage for the areas Medicare falls short on. This is known as Medigap insurance. Medigap is provided by private insurance companies like The Ahlbum Group.
You can also use your Medigap policy to cover expenses you have under Medicare, such as annual co-pays and deductibles.
One important things to consider when making your decision, if you opt for a Medicare Advantage Plan, any Medigap policy you have won't pay out. So if you decide to move into a Medicare Advantage Plan and you already have a Medigap policy, you should drop the Medigap policy.