Welcome to website of Caroline L. Fricke. Our website is aimed exclusively at the insurance needs of mature Americans. We have been helping seniors like yourself find affordable health insurance that fit your needs for several years.

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It is estimated that 8 out of 10 people who have a Medicare Supplement or Medigap Plans are paying too much for that insurance.

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Find out about your options and how affordable these plans are!

We can help you make informed decisions about your health care choices that are available to seniors in today’s insurance markets. By looking at all the options that are available to you, you can decide the best possible solution that is right for you! To review your options: Contact Us!

How Can I Pay Less for My Supplement?

One thing to keep in mind when choosing a Medicare supplement plan, and that is all Medicare supplement plans are standardized by Medicare. This means that the benefits are exactly the same, no matter what insurance company sells the plan; the benefits have to be the same! So in these tough economic times why pay more for the same exact coverage?

I hear a lot of seniors tell me "But my insurance company has paid so well". That's because they have to! It is not because they pick and choose what to pay, it's because that's what a Medicare supplement plan is designed to do. So again I ask "Why pay more for the same exact coverage?" If you have any doubt about if the benefits are the same, I want you to call your local (S.H.I.I.P. Senior Health Insurance Information Program) office, the department is set up by the state department of insurance, you will receive a non-bias answer to any question you may have. If you do not have the phone number to (SHIIP) please call me at 1-866-387-9948 and I'll be happy to provide you with the phone number for the (SHIIP) office in your state.

Medicare

Recent changes to Medicare have brought about more healthcare choices for senior citizens than ever before. When you become eligible for Medicare, you can choose to receive healthcare through the Original Medicare program only; or apply for a Medicare Supplement (Medigap Plan) to fill in the "gaps" in Medicare coverage with few if any co-pays or deductibles.

In many areas you can also opt for a Medicare Advantage Plan that may have lower premiums than a Medigap plan, even a $0 premium in some counties, but with more potential out-of-pocket expenses.

Prescription Drug Plans (Medicare Part D) are now available nationwide, either as a stand-alone plan or bundled into a low-cost Medicare Advantage Plan.

Medicare Supplement

Visit any doctor, any hospital, anytime and anywhere within USA without getting permission from the insurance company.

Consider these facts in deciding if Medicare Supplement insurance for hospital and doctor coverage is right for you:

• Medicare does not cover all health care bills.

• Medicare has deductibles and co-payments for some services.

• The insured is responsible for paying the costs of services not covered by Medicare.

Medicare Supplement policies (also known as Medigap plans) fill in the "gaps" in Original Medicare coverage such as co-pays and deductibles for hospitalization, doctor visits and other medical services. Although these plans may cost more than Medicare Advantage plans, after paying the plan premium, there are few if any extra out-of-pocket expenses.