Over 34 Years Specializing in Medicare Supplements in the Midwest

While Original Medicare was designed to pay for most medical costs, it was never intended to pay for all of them. The gaps in coverage leave the beneficiary to pay out of his or her own pocket for costs like hospital deductibles, hospital and service copays and coinsurance, and excess charges. Private companies offer Medicare Supplement insurance to fill in these gaps and lessen or eliminate the out of pocket financial risk to Medicare beneficiaries.

Medicare Supplements are highly regulated insurance products. In most states, including Illinois, Medicare Supplements are standardized and offered by lettered plans A-N. There is also a high deductible option for Plan F and Medicare Select plans. Medicare Select plans are less expensive because they require you to use the network of providers for that specific Medicare Select plan. The regular standardized Medicare Supplements (not Medicare Select) will work with any medical facility that accepts Medicare.

Since the plans are standardized, each company offering a certain lettered plan will include exactly the same benefits in that plan as any other company offering the same plan. For example, a Plan F is a Plan F is a Plan F. The benefits will be no different no matter what company you purchase your Plan F through.

Purchasing A Medigap Plan

The first step in purchasing a Medicare Supplement is to look at the benefits offered by the different standardized Medicare Supplements and decide which plan has the benefits that best meet your needs. After you have decided on a lettered Medicare Supplement plan, the next step is to find the companies that offer that plan in your state. Not all insurance companies offering Medicare Supplements sell all the lettered plans in every state.

Once you have found the companies that offer the plan you would like you should compare the premium rates charged by those companies. Even though the benefits are exactly the same for a given lettered plan, the cost varies widely among different insurers. The cheapest plan is not always the best buy. Due to age increases (for most plans), medical inflation, and changes in what Medicare pays for covered services and other factors, rates for Medicare Supplements do go up. It is important to research the companies offering Medicare Supplements for their history of rate increases, financial stability, and payment of claims. When searching for the right plan it's important to work with an agent who specializes in Medicare Supplements and can provide you with rates from several companies to ensure you get a plan that best fits your needs.

Take the Right Steps to Get the Best Coverage Benefit Consultants - Midwest will guide you through the entire process of choosing the right supplement for you. We take our responsibility seriously to educate you about your options, evaluate available benefits, and shop for the best rates. Contact us to get started selecting the best plan for you or, simply fill out the form below and a licensed broker will contact you within 24 hours.

Our staff of knowledgeable licensed agents makes it their business to provide you with prompt, courteous service. We hope our website answers many of your questions about your health insurance options. Feel free to contact your local broker with any questions or concerns you may have and to receive free, no obligation insurance quotes. We wish you the best of health now and in the future and look forward to working with you!

Benefit Consultants - Midwest Can Help!

Our job is to help you. We represent many companies, not just one. We will review the plans available, provide you with realistic, personalized quotes, and help you to understand your choices. We have been helping our clients in the Midwest find the right health and life coverage to meet their needs AND save them money for over 30 years.

Client Testimonials

Hear what our customers have to say about our services.

I am pleased to inform you that we chose Benefit Consultants – Midwest after talking to several different insurance agents. I was very pleased how you presented yourself and your company, as we felt that you were looking out for our interest.

 1. You saved us money by looking for the best and cheapest plan and you took your time to explain what the differences were and that all plan F supplements for Medicare are the same and provide the same.
 2. Not only did you save us money but time as you were very prepared.
 3. Most important you were very knowledgeable and your follow up was excellent.
 4. Not only were you on top of taking care of my requests but the follow up on my wife the following year took away the worry of looking and starting over to get her insurance in line.

We are very pleased with you and your company and would recommend them to any individual or family.
-Jack & Mary Ann, Frankfort IL

We were at a loss in determining if there was a supplement plan available to us because of our disabilities and age (under 65). You were recommended by a friend which certainly was beneficial for us. Your knowledge of the different options available was certainly a time saver and more importantly reduced our stress level. Since our initial meeting we have called numerous times and you have always responded quickly and always with helpful information. 
-Pat and Joe, Schaumburg IL

You saved me hundreds of dollars a month by recommending switching from an expensive group plan to supplement Medicare.  Then when the Medicare supplement plans changed, you were able to find a new one that saved me even more money!
-Janice, Beecher IL

After searching many individual sites and becoming more and more confused I found this "all in one site" which sounded like it could help me with the "mess". It did. Had I found this site first it would have saved me time, frustration and confusion.
Benefit Consultants – Midwest was fantastic!!! 
-Maureen, Danville IL

Both Maryann and I wanted to say thanks for all your help and guidance in getting us into the appropriate Medical Plans.  Your knowledge and experience was invaluable especially in light of the mis and conflicting information we were receiving from both the Insurance Companies and Medicare.  To be sure we, and those we have recommended, would not be in the quality plans we enjoy today without you.  Keep up the good work.
-Rick and Maryann, Elmhurst IL

For more information on how we can help with your Medicare needs, please contact us or complete the form below.


Get Advice From Medicare Supplement Experts
Your Information is always kept completely private.