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Avoid Medicare Rip-offs

The Great Healthcare
Rip-off of 2015

by Martin D. Weiss, PhD

Dr. Martin Weiss

The open enrollment deadline for Medicare is this coming December 7th.

So if you — or some of your family members — are in the 65-or-over age group, you are probably being bombarded with ads and brochures from insurance companies trying to sell you their Medicare-related policies and programs.

Beware!

Before you spend a dime on health insurance — and certainly before you sign away your Medicare privileges to a private insurance company — you must read this report in its entirety. Otherwise, you could make some very costly mistakes.

Suppose you're already enrolled in Medicare or some Medicare-based health program? Then, it's even MORE important that you read this report, because you could ALREADY be making those costly mistakes!

The reason: While most Americans are distracted by Obamacare, they could be ignoring some of the biggest healthcare rip-offs I've ever seen.

Right now, for example, with one wrong move, one couple in Florida could be losing more than $64,000 in precious retirement money just over the next ten years.

And that's just ONE of the many missteps they could have taken!

Fortunately, there is no reason anyone in your life has to fall victim to the convoluted health care system we have today.

But first ...

Two Unfortunate Truths About Medicare ...

Even if we put aside all the Obamacare drama, the simple truth is that Medicare was never designed to cover ALL your health costs in retirement.

It was never meant to cover chronic conditions. Or prolonged medical treatments.

Rather, it was just to help Americans deal with minor incidents and short-term care.

Meanwhile, the number of treatments and drugs available today are only growing in number and cost.

End result: The GAP between what your doctor charges you and what Medicare covers is growing wider and wider.

And if you happen to suffer some type of major accident or get a serious illness? You could find yourself out tens of thousands of dollars — or even HUNDREDS of thousands!

That's the first unfortunate truth. The second unfortunate truth is that ...

At least half the insurance companies who COULD
help you fill this gap are ripping you off!

That's the bad news. The good news is that, among the other half, you can save a not-so-small fortune — up to thousands of dollars PER YEAR!

You see, I never sell insurance and never will. My work on health insurance is strictly the research — to help family, friends and subscribers find the safest companies that don't rip you off, that can give you tremendous savings.

And to help cover the huge difference between your medical bills and what Medicare covers, I have always recommended Medicare supplement insurance, called "Medigap."

They can cover most or even almost ALL of the gap between what doctors or hospitals charge and what Medicap covers.

Most important, Medigap gives you one huge, extremely vital advantage that no one viable plan offers: Freedom!

You're free to choose your own doctors and see a specialist whenever you need one.

You're free to go to the clinics or hospitals that are the most convenient for you, that require the least travel, that have the shortest wait times, and that, above all, will do the best job of taking care of you with the best technology, the best general practitioners and the best specialists!

And if you have the information you need to compare prices, the can be very reasonably priced.

That's why I've recommended Medigap policies for my mother, my aunt and uncles, for my wife's sister and others. And that's why I went to the trouble to find them the safest companies that saved them not-so-small fortunes in premiums.

In fact, to make all this as easy as possible, I have the ability to instantly create a complete Medigap report, customized for you personally, that gives you everything you need to do what they did — make the right choices and save a lot of money. (More on my Medigap report in a moment.)

But that takes us back to the unfortunate truth — the one I've solved with my custom report.

Even among Medigap
plans that offer IDENTICAL coverage,
many companies grossly overcharge,
while some companies give you great deals.

Let me be perfectly blunt: That means, if you make the wrong choices, you will almost definitely get ripped off. And if you make the right choices, you will almost definitely save money!

How much?

Brace yourself. Because these examples — based on actual current quotes from the insurance companies — will shock you.

Consider a 65-year old woman living in Utah. She wants to buy a simple, basic Medigap Plan "A." But her agent gives her a quote from Standard Life and Accident Insurance Company, and she practically faints. They want $2,591 per year! She decides instead to go with an HMO ("Medicare Advantage") which seems to be cheaper.

That's really too bad. Because at the HMO, she loses her freedom of choice. She can't go to her favorite, hand-picked doctors. Her quality of care becomes inferior. And her health, already fragile, ultimately suffers.

What's especially sad is that her agent fails to do one simple thing — he fails to tell her about the cheapest insurer in his area and for her age and the plan she chose: Globe Life & Accident Insurance Company.

Right now, even as I write this letter to you, Globe Life offers the same plan with the exact same benefits for only $819 per year. If she had only known, she could have had her cake and eat it too — freedom to stay with her doctors AND a savings of nearly $1,800 per year.

But if you think that's extreme, look at this:

A 65-year old male in Florida likes Medigap Plan "C," which gives him some nice extra benefits that the simple Plan "A" doesn't include. Right at this very moment, Government Personnel Mutual Life Insurance Company will charge him a whopping $5,479 per year. But he can get the exact same policy from Blue Cross & Blue Shield of Florida for just $2,180.

With this little factoid, which he could see, plain as day, in my Medigap Report, customized exclusively for him, he could save $3,229 per year ... $16,145 in five years ... $32,290 in ten years ... and about DOUBLE those amounts if he does the same for his wife. Grand total: $64,580.

And that's without any interest or dividends they might earn on the money!

Plus, in many other parts of the country, millions of seniors can get
Medigap policies a LOT more cheaply — provided they have my Medigap Report to actually KNOW which companies are offering the lowest rates to them right now.

In California, for example, a 75-year old male can get a really nice package of benefits with the popular Medigap Plan "F High Deductible" for just $298 per year with a very good company, Standard Life & Accident Insurance Company.

But if he winds up with Physicians Mutual Insurance Company, he'll get charged a whopping FIVE times more — $1,915. For the exact same policy!

Now can you see why I say the health insurance industry is ripping so many people off?

Heck! The expensive companies charging much lower premiums ARE still making a decent profit. So why are the other companies charging so much more? In my eyes, it can only mean one thing: The expensive companies are gouging consumers!

Nor are these examples flukes. I find similar kinds of wild price discrepancies — huge rip-offs vs. huge savings — in big cities and rural towns; on the East Coast, the West Coast, and in the mid-West; in low-cost areas and high-cost areas.

In fact, from our Medigap database, just by taking some random samples, I have found over 3,500 examples of huge rip-offs and savings.

Now, please don't misunderstand: The companies giving the high quotes that I just mentioned aren't routinely more expensive. Sometimes they're the cheaper providers, as you saw with Standard Life!

You see, each situation for each person in each city or state can differ greatly. And that's why I customize my report for each person's individual situation — so you can compare and shop with real-world, up-to-date quotes on exactly what they will charge YOU personally and exactly how much YOU can save — on each Medigap plan, from each company.

Another big problem:

It's nearly impossible for you to get
this information from your agent.
(Or from anyone else for that matter.
)

My company is the only one that has all this data and provides the custom report I just told you about.

No agents have it. No insurance company has it. No insurance commissioner in any of the 50 states has it either. Not even the Medicare administration itself has it!

But my team and I decided to go to the trouble, including countless man hours of data gathering, for a reason which, if you know me, should be obvious to you by now:

I was outraged!

I could not stand by and let so many friends like you pay ridiculously high premiums for what otherwise could be a great deal and a great policy.

I could not allow them to spend thousands of dollars needlessly, when all that cash could be flowing straight into their retirement account.

Heck, Congress standardized the Medigap Plans (from the bare bones Plan A to the top-of-the line Plan F) to help avoid precisely these kinds of consumer abuses. But nothing changed. The insurance companies are still ripping you off.

How is that possible? Because, as I just said, insurance agents can't give their customers the comparisons they need. So, if consumers are in the dark, how can they shop around?! And if they can't shop around, that just enables the insurers to continue charging outrageous premiums.

Indeed, there are TWO reasons I created this report: To help you save a ton of money. And hopefully, to help fix this huge problem someday.

With my report, you get ...

 Your actual current price quotes. A complete list of nearly all insurance carriers in your area and what they are offering you right now for EACH Medigap plan, based on your personal circumstances — age, gender and zip code.

That's a lot of information: Every plan. Every company. Every quote. But don't worry. It's very easy to use. I help you pick the plan you prefer. I give you the current premium costs on each by the companies in your area. Then I give you the phone number to call. One. Two. Three.

 The Weiss Rating for every company in your report. With this info, you can not only save a lot of money but you can ALSO do so with the SAFEST, most reliable health insurers.

 Savings on your insurance! The exact amount you save will vary, of course. It could be as little as a couple hundred dollars per year or as much as $5,000 per year. But I am 99% certain, you WILL save money no matter what!

 $50 savings on my report: Normally $99, it is available to you now for just $49, provided you respond by November 1. You save $50.

 100% Money-back guarantee: Take 30 days. If it doesn't save you, at the very bare-bones minimum, five times the cost of the report, let me know. I'll make sure you get all your money back. No questions asked.

Look. If my report saves you $1,000 in premiums in the next 12 months, it will pay for itself more than 20 times over in just the first year ...

If you continue reaping those savings for another four years, your report will pay for itself 100 times over ...

And if you do so for another nine years, your report will pay for itself 200 times over.

On just a $49 money-back-guaranteed investment, there's absolutely nowhere you can go to beat THAT kind of return!

Here's what to do:

1. Click here to go to my Medicare report webpage.

2. Enter the few pieces of information we require.

3. Wait a minute or two for us to gather all the quotes and create the report based on your personal information. 

4. Download your complete report, review it on your computer, mobile device or tablet. Or print it out if you wish. And then ...

5. Use your personal, customized report to save what could be a LOT of money. 

And like I said, if it doesn't save you at least five times the cost of the report, no problem! Just let me know within 30 days, and I'll make sure you get a 100% refund, no questions asked.

Good luck and God bless!

Martin

Weiss Ratings
4400 Northcorp Parkway, Palm Beach Gardens, FL 33410
1-877-934-7778

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