Individual And Group Benefit Solutions
Individual And Group Benefit Solutions

You can shop Medicare Supplement Rates any time of year !

You can shop Medicare Supplement Rates any time of year !

Coverage you know from an agent you can trust!

Compare current 2025 Medicare Supplement Rates

Simply answer four easy questions and you’ll instantly see your rates from several companies Click “Run Comparison” to see your savings! Or talk to an Agent (903) 763-9015

Open Enrollment Period

 No Health Questions, everyone eligible qualifies!

In most states the Medicare Supplement Open Enrollment starts the month you either turn 65 or are first eligible for Medicare Part B.  It cannot be changed or repeated typically a once in a lifetime event.  If you miss your Open Enrollment Period you may not be able to get a Medicare Supplement Plan, or it may cost more due to health conditions.

The period ends 6 months after you turn 65 or are first eligible for Medicare Part B

Guaranteed Enrollment Period

No Health Questions, everyone eligible qualifies!

Typically to qualify you are losing coverage no fault of your own.

For example:

Moving out of the service area of your current carrier Within “Trial Period” of your current Medicare Advantage Plan.

This period last 30-60 days depending on the exact situation.

Medically Underwritten

Medical History questions, not everyone can qualify

You can apply anytime!

Roughly 95% of our clients qualify, but we do a brief screening to be sure you don't waste your time applying for something you won't qualify for.

About 90% pass the initial screening, but this is where having an experienced agent makes all the difference.  Because, we are up to date underwriting with different companies we're more likely to match your specific health condition with a company that will accept you.

There is no substitute for experience

We've succeeded where other have failed.

Regularly approve people in their 90's

Successfully find coverage for cancer survivors.

We look at your difficulty as a challenge to succeed.

The only promises we make is to give 150% effort to your application.

Side-by-side Medicare Supplement quotes instantly!

Receive side-by-side Medicare Supplement quotes instantly! Simply answer four easy questions, and you’ll instantly see your rates. Tired of agents that never leave you alone, or the non-stop emails? We don’t invest in large scale internet targeting systems. In our opinion, it is an invasion of your privacy to be always marketing to you. As a result, our clients regularly refer us because we don’t use sales scripts or robot responses.

We’re real people treating our clients like they are our friends not a commodity. With your side-by-side Medicare Supplement quotes, there are no strings attached, you see the rate period. If you are interested in the rate you’ll either call or request more information. When you request more information you will receive one phone call and/or email from us. If you don’t respond, neither do we, our goal is to be there when you need us, and not around when you don’t need us.

Compare current 2025 Medicare Supplement Rates

Answer four simple questions and you’ll instantly see your rates from several companies.

Get your Medicare Supplement quotes from multiple carriers without the hassle of multiple agents or companies calling or emailing you.

 

If you have Medicare Parts A and B you may be wondering:

Can I afford the 20% co-pays?

What do I pay for prescriptions?

How much can I expect to pay out of pocket?

How will I pay the Part A per occurrence deductible?

Can I afford an extended hospital stay with Medicare Part A only?

~Let’s answer a few of those questions~

Medicare and You 2025 Your out of pocket cost are UNLIMITED with Medicare Part A and Part B.  However, a Medicare Supplement plan can dramatically lower or eliminate the risk of unmanageable health bills.

Parts A and Part B DO NOT cover prescription medication.  Part D prescription plans or Medicare Advantage plans (Part C) with Prescription Drug coverage can help you minimize this cost.

Supplemental Plans can help cover your Part A and Part B deductibles and coinsurance.  How much of the out of pocket costs depend on what plan you choose.

Now for some good news!

While there are many carriers who offer Medicare Supplements, the good news is the plan coverage doesn't change between carriers. This makes shopping much easier than many other types of insurance. The major factors between companies we look at is their claims paying ability (financial rating), customer service ratings, application fees, and overall company history.

What Supplement plan should you choose?

The most popular Medigap plan for many years has been Plan F.  Plan F pays for 100% of your Part A&B deductibles, Co-insurances, and Co-payments.  In addition it also covers Part B excess charges and provides emergency medical for foreign travel.

SPECIAL NOTE: As of January 1 2020, Medicare began the phasing out of Plan F Supplement.  If you were eligible for Medicare before 01/01/2020 you will be able to keep your supplement plan as long as the insurance provider is still offering the plan.  You may also also apply for a new Plan F Supplement if you were eligible before 01/01/2020.

Anyone eligible for Medicare after 01/01/2020 will not be eligible for any plan that pays the Part B Medicare deductible.

Lower cost alternatives should you consider.

Plan G is a great alternative the only difference between Plan F and Plan G is the Part B deductible for current year.  The 2022 deductible is $233.00 for the year .  That means when you go to the doctors office you will be responsible for the first $233.00 (not each time you go to the doctor or have a test). 

Plan N is also a good alternative the difference between Plan F and Plan N is it doesn't cover the Part B deductible or the excess charges.  Now you may be asking yourself what are excess charges and what's the big deal?  When you see a doctor they may accept medicare “assignment” or they may not accept the assignment amount and can charge you more.  You would be responsible for the difference between the assignment amount and the amount the doctor charged.  Keep in mind that in either case the doctor must participate with medicare.  If the doctor doesn't participate in Medicare you will be responsible regardless of your plan selection.

Below is a list of the plan types and their differences directly from the 2025 Official Medicare Guide.

Medigap Chart 2025

Here are 5 great reasons you should consider  Cunningham Insurance for your Medigap policy

1) We Guarantee the lowest priced Medigap plans (Medicare Supplement) allowed by law.

  • Prices are regulated so no one (including insurance providers) can offer plans for less than Cunningham Insurance

2)  Easy-to-use online tools

  • Request a quote and communicate via email
  • Educational information at your fingertips
  • Simple online and phone applications

3) Free agent support before, during and after your plan enrollment

  • Help you select the right plan for your budget
  • Guide you in signing up for a plan, by the method your most comfortable with.
  • We continue to be your agent long after the enrollment so you’ll have an independent and trusted voice to explain your coverage.

4) We never charge you for our service

  • All services at Cunningham Insurance are free. If we help you sign up, we receive a commission from the insurance provider. This commission will never come out of your monthly premium or be charged to you.

5) You will be supporting a family owned and operated business

  • You will never be a number in the crowd with us
  • We truly appreciate your business