Only available to consumers in the following US states: Alabama, Arizona, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Mississippi, Missouri, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington (State), West Virginia.
CoverRight simplifies this process of finding the right Medicare or Medicare Supplement plan, also known as Medigap. They’re a consumer-first platform helping Medicare-eligible people pick the best plans.
After completing a simple online form or phone call, a dedicated agent will prepare personalized quotes that make sense for you, whether it’s a Medigap policy or a Medicare Advantage plan. CoverRight’s agents can help you determine which plan makes the most sense for your budget and health care needs.
CoverRight has extensive customer service hours. It provides independent advice, and working with CoverRight is free.
- Easy application process
- Assistance in finding the right insurance plan
- Help in finding an insurance plan that covers your doctors and medications
- Concierge-style service with your own dedicated agent
- Not available in every state
CoverRight Medicare Advantage Ratings at a Glance
Are you looking for healthcare and want a health insurance company that offers Medicare? Finding the right health insurance policy can be difficult, but Benzinga has made it easier by offering this CoverRight Medicare review. CoverRight takes the confusion out of enrolling in a health insurance plan that works with Medicare. Learn more about CoverRight Medicare and what it has to offer.
Who’s CoverRight Best Medicare For?
If you're 64+ and looking for health insurance as well as assistance in choosing the right Medicare plan, CoverRight is a great choice. Its direct-to-consumer model and use of technology make it easy for CoverRight's agent to recommend the best plan. And, they're committed to not upselling you on any products you don't need.
If you already have a plan with Medicare, keep in mind that you can only change Medicare Advantage plans and Part D plans (also known as Prescription Drug Plans or PDPs) at certain times of the year.
You may have additional enrollment opportunities in certain situations, like moving out of a plan’s service area. It never hurts to check with CoverRight to see if you can change plans and, if so, which plan options might work the best.
CoverRight Plan Options
CoverRight can help you decide which plan option is right for you. You may choose Original Medicare with a Medigap policy and/or Medicare Part D or a Medicare Advantage plan.
Original Medicare
Original Medicare has 2 parts: Medicare Parts A and B. In general, Medicare Part A covers hospital care and Part B covers other types of medical care, including doctor visits. On its own, Medicare doesn’t cover prescription drugs.
On its own, Medicare has significant out-of-pocket costs. For example, Part A has a deductible of almost $1,500 per benefit period for hospital stays. You can have multiple benefit periods in one year. Part B has a deductible of around $200, and after that, you pay 20% of the Medicare-approved amount for your care.
You can have Original Medicare on its own. Many Medicare members choose to have additional or alternative coverage, however.
Medicare Supplements
Medicare Supplemental insurance plans, also known as Medigap policies, pay after Original Medicare. These plans help with the deductibles, copays and coinsurance associated with Medicare.
The plans are standardized by letter, which means the plans have the same benefits no matter which company you purchase one from. Insurance companies can offer Plans A, B, C, D, F, G, K, L, M, and N. Plans E, H, I and J are no longer available. Plan F and C is not available to anyone starting Medicare on or after January 1, 2020.
Even though the plans and benefits are the same, the prices vary. Plan G from one company may cost more or less than Plan G from another provider. This is why CoverRight can be helpful.
Medicare Part D
To get prescription drug benefits with Original Medicare, you’ll need to purchase a Part D plan, also known as a Prescription Drug Plan (PDP). Medicare Supplements don’t include prescription drug benefits. If you want drug coverage, you’ll need to purchase a PDP even if you buy a Medicare Supplement.
PDPs may have a monthly premium, an annual deductible, copays and coinsurance. Each plan has a formulary, which is a list of covered drugs. Drugs on the formulary are divided into tiers, and costs vary depending on which tier you’re in. CoverRight can help you find a PDP that’s a good fit for your prescription needs.
Medicare Advantage Plans
Medicare Advantage plans are an alternative to Original Medicare. Private insurance companies sell these plans, and you receive your Medicare Part A and B benefits through the plan. You may pay a monthly premium. Most plans offer additional benefits like vision, dental, hearing and fitness programs. Most also offer Part D benefits.
Medicare Advantage plans typically have copays, and you may pay a deductible as well. These plans may have a provider network. You may be required to see providers within the network or you may pay less if you see in-network providers.
CoverRight offers an easy-to-use service that walks you through your options. Whether you are new to Medicare or switching plans, the platform gives you a personalized experience such as information on when exactly you should enroll.
If you know whether you want a Medicare Advantage plan or Original Medicare with a Medigap policy, you can start exploring those options. If you don’t, CoverRight also has an excellent Medicare 101 video education course as well as an informative quiz that helps you decide whether Medicare Advantage or Medicare Supplement suits you best.
Overall, the platform offers a user-friendly experience that educates you along the way.
Even better, the company allows for instant quotes for users who like to browse themselves, making it even better for those who are assessing their options.
CoverRight offers multiple options for customer support. You can call customer support at 1-888-969-7667, book a consultation using their online form if you want them to call you at a specific time or send them an email or chat message.
If you connect with an agent over the phone, that agent becomes your dedicated agent who can help provide personalized quotes and walk you through the whole process end-to-end.
You can reach customer support Monday through Friday from 8 a.m. to 10 p.m. and Saturday and Sunday from 9 a.m. to 4 p.m. The extensive customer support hours make it easy to reach someone when it’s convenient for you and CoverRight supports phone, email, text and online chat.
CoverRight vs Competitors
CoverRight is similar to competitor sites in that it provides plans based, in part, on your location. What sets CoverRight apart is that it lets you shop plans on your own terms.
Unlike other, insurance ‘comparison’ websites that offer ‘free quotes’ with the stipulation that you must provide your phone number, you will never be contacted by CoverRight unless you specifically ask to be. This avoids you getting your information gets sold to multiple parties, resulting in pushy salesmen calling you repeatedly.
In addition, CoverRight helps you match your doctors, drugs and other benefits you might be looking for looks at more than your location, helping you find the perfect plan for you.
CoverRight also has educational resources readily available to help you better understand your Medicare options.
CoverRight also sets itself apart from competitors by offering you a dedicated agent who helps you throughout the process. It also pledges to never sell your data.
- Best For:Easy access to benefits and member supportVIEW PROS & CONS:securely through Aetna Medicare Advantage's website
- Best For:People 64+ who want the best planVIEW PROS & CONS:securely through CoverRight Medicare Advantage's website
- Best For:Original MedicareVIEW PROS & CONS:securely through Mutual of Omaha's website
You could spend hours researching Medigap policies, Medicare Advantage plans and PDPs and find one that’s right for you. Or you could save yourself hours and use CoverRight.
Its agents put customers first and are not incentivized to recommend 1 plan over another. Its policy of not selling your data ensures you won’t receive unwanted phone calls.
CoverRight can save you time and money while simplifying what is often a complicated process.
Frequently Asked Questions
What does straight Medicare cover?
Original Medicare has 2 parts: Medicare Parts A and B. Most people don’t pay a premium for Medicare Part A, but there is a premium for Part B.
Medicare Part A covers inpatient hospital care, skilled nursing care, hospice care and some home health care. Medicare Part B covers other medically necessary services and preventive care.
What is the best option for Medicare?
The best option for Medicare depends on your budget and your preferences. If you don’t mind paying a higher premium for lower out-of-pocket costs when you receive care, a Medicare Supplement plan might be a better fit. If you want low or no premiums and you don’t mind paying copays, a Medicare Advantage plan might be a better fit.
Medicare Advantage plans may also include additional benefits like vision and dental care. Most of these plans also include Medicare Part D benefits.
Where can I find a health insurance company that offers Medicare plans?
You can find a Medicare insurance provider by consulting the list above.
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