We take pride in simplifying the entire Medicare experience for our clients. Our mission is to provide our clients with a level of service and advocacy that is unmatched in our industry. We strive to maintain lifelong relationships by insuring that our clients always receive the best advice and the most competitive prices on Medicare Supplement plans in IL.
We treat our clients like family…
GM Goldman was founded by Glenn Goldman in 1968. He was joined by his son Jeff in 1989 and his daughter Debby in 2009. Treating clients like family may sound cliché but at GM Goldman & Associates we live it every day. We listen, we guide, we care……. and we build lifelong relationships based on a mutual respect and trust. By representing multiple insurance companies, clients can rest assured that they are getting our honest opinion for what is best for them. Our loyalty is always to our clients, not to any particular insurance company.
While Medicare becomes your primary insurer when eligibility begins, Original Medicare coverage is not designed to cover all of your healthcare expenses, leaving gaps that still need to be paid out of pocket. This is where Medigap coverage, or Medicare Supplement plans come in. These plans cover some or all of the costs Medicare leaves behind, including deductibles, coinsurance and skilled nursing care. There are eight different types of Medicare Supplement IL seniors can choose from, each offered by a variety of insurers. At GM Goldman, we are here to help you navigate this process and make Medicare enrollment easy and affordable!
I am happy with my supplement, why should I change?
Everyone is happy with their supplement but what they should be happy with is Medicare. Medicare pays most of the bills. Medicare dictates what the supplements pay. In fact, the supplement cannot pay anything without Medicare and when they pay, they all pay the same. So in reality, no one is happy with their supplement, they are happy with Medicare and they should be glad that they have a supplement to fill in the gaps. They simply should not pay more for one supplement over another!
If all plans are the same, why should I shop my plan?
Certain insurance companies provide discounts for woman, couples, non-smokers and use medical underwriting. The only way you can make certain you are NOT over paying is by shopping your current rate.
Will my Doctor accept my supplement?
No matter which insurance company you are with, your Medicare supplement will be accepted by every doctor and hospital that accepts Medicare.
Are all Medicare supplements approximately the same price?
There can be dramatic differences in price between insurance companies for the EXACT SAME COVERAGE.
Does one insurance company’s supplement have more benefits than another?
Since all Medicare supplements are standardized, if an insurance company offers Plans F, G and N for example, then they offer the exact same F, G and N and that every other company offers. All Medicare supplements are standardized by the government.
When is the best time to review my Medicare supplement?
You can review your Medicare supplement anytime but we suggest you review on your policy anniversary which is typically when you will have a rate increase. In our world, our clients will stay with a plan for two to four years depending on the rate increases. If your supplement is not through our office, it may be worthwhile to review your supplement even after just one year just to make sure that your are not overpaying.
Can I only change my supplement during Open Enrollment?
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