I'm healthy and barely use my coverage, but I'm still paying more every year. Why isn't there a discount for people like me?

Question

Valentina Gatewood · Accepted Answer

Everyone has options to help with cost. We can evaluate your current cost and do a comparison to see what are the best options.

Gary Church · Answer

Great question. It's not based on your health as an individual, but rather on the risk pool of everyone in the group.

Mike Alexander · Answer

Medicare does not give any discounts, the amount you pay for medicare is based on your income.
On Medigap policies some give discounts based on family status and other factors.
If you are on Medicaid also, you may get your part b premium waved

Mark Bilgere · Answer

Once you are on Medicare whether you're on a supplement or an Advantage plan, your rates cannot be increased due to your health or your claims. Since the insurance companies still have to insure the whole group, they are unable to lower rates for people based on their claims once they are in a plan. Rate adjustments are based on groups of people, not individuals.

Answered by Mark Bilgere on November 6, 2025

Broker Licensed in TX, AR, IN & LA, MN, NE & OK

Answered by Mark Bilgere Medicare Insurance Agent

Daniel Brechin · Answer

This is the reason I sell both Medicare plans and Supplements with PDP drugs.
I personally have a Medicare Advantage plan.  Generally it cost my less per year than a Medicare supplement and a PDP. That will increase annually 5% or better.

Terri Reagin · Answer

Insurance is based on a risk pool, not just an individual person. Unfortunately, it is illegal to either discount or increase someone's rate because they are healthy or unhealthy. It is part of the legal protections in place.

Answered by Terri Reagin on July 7, 2025

Broker Licensed in OK, AR, CO & 6 other states

Answered by Terri Reagin Medicare Insurance Agent

Ronnie Robinson Jr · Answer

There are discounts available for individuals like you, such as Part B give back, for example. The Medicare Advantage plans offer a Part B giveback on some plans; they usually have $0 monthly premiums, so there's another discount if you're on a Medicare supplement plan, for example.

Answered by Ronnie Robinson Jr on September 17, 2025

Broker Licensed in FL, AL, GA & 9 other states

Answered by Ronnie Robinson Jr Medicare Insurance Agent

Steven Graves · Answer

Why There’s No Discount for Being “Healthy”
Medicare is community-rated: Especially for Part B and many Medigap plans, premiums are set based on broader risk pools—not your individual usage. Everyone pays in to help cover the collective cost of care, regardless of how often they use services.

Healthcare costs are rising: Annual increases in premiums, deductibles, and drug costs are tied to inflation in healthcare spending, not personal health.

Preventive focus: Medicare’s goal is to encourage preventive care and catch issues early—even for those who feel healthy now—so the system still encourages regular check-ins and coverage.

What You Can Do
Even though there’s no official discount for being low-risk, here are some smart strategies:

Consider a high-deductible Medigap plan (like Plan G High Deductible): You pay less in premiums and only pay more if/when you need care.

Look into Medicare Advantage (Part C) plans: Many offer low or even $0 premiums and may fit your needs if you rarely visit the doctor—but make sure to understand network and cost structures.

Review your drug coverage yearly: If you don’t take many prescriptions, you might be overpaying for a Part D plan.

Check for programs or rebates: Some Advantage plans offer “give-backs” or reimburse a portion of your Part B premium—great for low-utilizers like you.

Steven Graves

Misty Bolt · Answer

There are plans out there that will help pay for your Medicare part B. Call me and lets look at those options for you?

Cheri Rogers · Answer

There is no discount for healthy individuals in Medicare Advantage (MA) plans; all insurance is based on risk-pooling. If you are on a MA with $0 monthly premium you don't have any costs unless you ustilize the benefits (i.e. go to a doctor, ER, etc.)

Answered by Cheri Rogers on February 22, 2026

Broker Licensed in NM & TX

Answered by Cheri Rogers Medicare Insurance Agent

Kate Spilsbury · Answer

I completely understand, that’s one of the most common frustrations I hear. Medicare works as a shared system, which means everyone contributes so that coverage is there when it’s needed most, similar to how homeowners or car insurance works. The good news is we can still look for ways to lower your overall costs, like reviewing your drug plan, Medigap options, or exploring high-deductible or giveback plans—to make sure you’re not overpaying for coverage you rarely use.

Answered by Kate Spilsbury on October 20, 2025

Broker Licensed in FL, AZ, CA & 7 other states

Answered by Kate Spilsbury Medicare Insurance Agent

Mark Garrett · Answer

That is a broad question. Are you talking about Medicare Supplement Insurance? Are you referring to Part D? Are you talking about Medicare Advantage? Are you referring to premiums or co-pays? The answer would depend on the specific question. To address all of those would take a very long answer.

Answered by Mark Garrett on January 19, 2026

Broker Licensed in FL, AL, AZ & 19 other states

Answered by Mark Garrett Medicare Insurance Agent

Mark Sannes · Answer

You’re part of an insurance risk pool. At any given point in time, any member of the risk pool may expose others in the pool to their loss. Those losses are often exponentially greater than the premium collected from the member. The insurer absorbs those losses, but to do so, it must collect and retain premiums from all of the other members who did not (or have not as of yet) sustained a loss. Statistically, while only a small percentage of the risk pool will sustain an insured loss at any one moment, the likelihood of you eventually becoming one of those people is high.

That's why having insurance is very much needed to avoid/reduce any financial crisis during your life.

Marc Rheingold · Answer

The carriers we use do not but if you have a Medicare supplement a strategy would be to change your plan to a high-deductible Medicare supplement plan. If you stay healthy, you would be able to save the money from paying less premiums.

Answered by Marc Rheingold on March 16, 2026

Broker Licensed in FL, MI, NC & SC

Answered by Marc Rheingold Medicare Insurance Agent

Sean Cusack · Answer

Hello,
Good question. Unfortunatly, the cost of your health plan is not based on what your health is currently. Its is based on the cost of services amongst a large group of people. Hopefully this helps answer your question.

Isom Julian · Answer

Unfortunately, Medicare was designed to be more of a social insurance system. Meaning that everyone shares the cost of coverage regardless of how much you personally use it. While it may feel unfair, the tradeoff is that when your health does change, you'll have full coverage to help meet your needs.

Answered by Isom Julian on May 19, 2026

Broker Licensed in OH, FL, GA & 9 other states

Answered by Isom Julian Medicare Insurance Agent

Steven Bleicher · Answer

Interesting query: Medicare, introduced in 1965, took into account that most people, as they age, will experience a deterioration of their health. This is why Medicare expects all people to pick up a Part D(rug) plan whether they take Rx’s at age 65 or not. If they fail to do that, either via an MAPD plan or a “Stand-Alone” Part D, a lifetime penalty would be applied. So, please be grateful that you are in great health. But maybe in your case, you should consider switching (during the fall Open Enrollment period with a 1/1/26 effective date) to an Advantage plan (this is free of premium due to being government-subsidized). The only downside of this plan is that there’s a deductible for hospitalization. But since you’re in such great shape, that seems unlikely to happen, right?

Answered by Steven Bleicher on June 8, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Diana Garner · Answer

It is very frustrating when your prms increase, but you don't use your coverage much because you are healthier than others. However, premiums are not just based on your coverage usage or your health.

Premiums can be increased over time because of several factors, including:
     1) Risk Pooling - premiums of many individuals, both healthy and unhealthy, are pooled together to cover the healthcare costs of everyone in the group.
     2) Rising healthcare costs, inflation, and administrative costs.

Discounts for healthy people are not allowed because of adverse selection. Insurance companies are not allowed to discriminate or offer extra benefits to anyone.

Michael Pyers · Answer

Because Medicare supplements are community rated. In other words, they rate according to the claims for the particular risk pool. Also they are not allowed to raise an individual based on their claim history.

Answered by Michael Pyers on June 19, 2025

Broker Licensed in OH & MI

Answered by Michael Pyers Medicare Insurance Agent

Frank Carta · Answer

That is an intelligent question, and I would like to text you the answer, but I am not very good

at texting. You do have the option to contact me if you choose, and I would be honored to

communicate with you if you do. Who knows, we might just have a valuable conversation.

Yasmery Vargas · Answer

First and foremost its important to understand that as we get age, we have to invest more in our health. One slip and fall can take your health from perfect to having physical therapy because our bodies don't bounce back as they used to. While it may feel like a huge hole in the pocket to pay in to Medicare when you aren't using it, Consider life insurance in the same seat. We only use when its needed. As health care cost increased premiums and out of pocket have to increase. On the other hand, the absence of discounts in Medicare may also be due to the elimination of the "Donut Hole" and the implementation of the Inflation Reduction Act. The Donut Hole was a coverage gap in Medicare Part D that caused significant out-of-pocket costs for beneficiaries after they and their plan spent beyond a certain limit on prescriptions. This gap was eliminated to make prescription costs more affordable and predictable. I hope this helps!

Answered by Yasmery Vargas on November 29, 2025

Agent Licensed in PA

Answered by Yasmery Vargas Medicare Insurance Agent

Kris Moen · Answer

Medicare doesn’t give discounts for low use because it’s an insurance program, not a pay-as-you-go system. Everyone pays the same because:

Risk is shared across all beneficiaries, so people who are healthy help balance costs for those who need more care.

Medicare must stay affordable and predictable, so premiums aren’t based on individual health or usage.

Federal law prevents health-based pricing, unlike some private insurance.

Robert Baez · Answer

It sounds like you have a supplemental plan. Reach out to me so we can review and find a plan that works best for you. 

Robert Baez
Licensed Trusted Advisor
Contact me.

Marnie Applegate · Answer

I am not sure what type of plan you have, but there are many options out there and it would be best for you to meet with an insurance agent so they can go through your specific needs and situation to determine what other options are available for you at a lower cost

Answered by Marnie Applegate on October 2, 2025

Agent Licensed in TN, AL, GA & TX

Answered by Marnie Applegate Medicare Insurance Agent

Erlynne (Elle) Massie · Answer

There is!

Plans that contain a Part B Premium Reduction are more and more popular every year, and in my experience, most people haven't even heard of them until they talk to someone like me.

Depending on your service area and plan availability, there are Medicare Advantage plans that provide a reduction in what their members pay toward their Part B premium each month. Most of these plans do not carry an extra premium, and they can and do reduce the Part B responsibility every single month for as long as the member stays in the plan, remains eligible, and continues to be enrolled into Medicare A & B.

It's not a one-time "gift." It doesn't hit your tax return. It's just... steady and awesome premium reduction every month for as long as the plan is enrolled, you stay eligible (meaning you're enrolled in Medicare Parts A&B and the state you live in isn't paying your Part B premium for you, such as Medicaid), and the benefit is included.

Please feel free to reach out to me directly at the contact information in my profile, if you'd like to review your own service area options, and to explore the possibilities in more depth with someone whose favorite thing is to give Medicare beneficiaries information on how to get more for what they already pay for.

Michael Wallner · Answer

If you are relatively healthy, a Medicare Advantage plan may be a good option for you. There are many Advantage Plans that have a zero or very low monthly premium. These plans also offer extra benefits, like Dental, Hearing and Vision and include RX. These plans do have co-pay and Co-insurance provisions, but these only apply when you are receiving Medical Services.

Answered by Michael Wallner on December 2, 2025

Agent Licensed in DE, MD & NY

Answered by Michael Wallner Medicare Insurance Agent

Melanie Rogers · Answer

I would suggest a plan review, as there are some plans that would be suggested by an agent such as myself, knowing that you were healthy, that could result in some cost savings. Melanie Rogers. Contact me.

Answered by Melanie Rogers on April 16, 2026

Agent Licensed in FL, GA, OH & TX

Answered by Melanie Rogers Medicare Insurance Agent

Juan Osborn · Answer

The discount you receive is from not requiring medical attention because of health reasons or an accident. Also, keep in mind that you are part of a large group that benefits from a large pool of plan participants. This allows for reduced cost per person and provides needed cost protection from serious hospitalization, surgeries, and other high cost.

Answered by Juan Osborn on September 19, 2025

Agent Licensed in CA, CO, GA & 9 other states

Answered by Juan Osborn Medicare Insurance Agent

Jeffrey Adams · Answer

Your best bet in that situation is a Medicare Advantage plan if there is one in your area. There are many plans with monthly premiums of $0 over and above your Part B cost - which will typically increase every year as well. The Advantage plan will have copays that you only pay when you actually use the benefit, so if there is a $0 premium, you will have no cost unless you see a doctor.

Answered by Jeffrey Adams on February 23, 2026

Agent Licensed in MO, AR, AZ & 13 other states

Answered by Jeffrey Adams Medicare Insurance Agent

Marsha Webster · Answer

I hear you. It can be very frustrating to pay for insurance that you don’t end up using much. However, with Medicare (and health insurance in general), premiums aren’t determined by how much a person uses their health care coverage. Instead, everyone in a plan contributes to covering the cost, regardless of how much they use the plan. This is so that if you *do* end up needing a lot of health care, you’re not faced with catastrophic out-of-pocket costs.

That being said, there are ways to reduce overall costs for those of you who stay very healthy. For example, some Medicare Advantage plans have $0 monthly premiums. The question then is whether a $0 premium plan has the benefits, coverage, and access to providers that you want. It’s also important to note that, even with a $0 premium, these plans often have copays, deductibles, and/or out-of-pocket maximums.

Medicare Supplement (Medigap) plans are a bit different in that you pay a monthly premium but have very predictable costs and nationwide access to any provider who takes Medicare.

The “right” plan for each person depends a lot on their health, budget, and preferences. I’d be glad to look at your current plan and compare it to the options available in your area to see if there is a better fit for you.

Fred Manas · Answer

The reasons behind increasing health insurance premiums, even for those who are healthy and rarely use their coverage, are complex. Several factors contribute to these rising costs.
Risk Pooling: Health insurance operates on the principle of risk pooling. This means that the premiums paid by all insured individuals contribute to a fund that covers the healthcare expenses of those who need it. Healthy individuals subsidize the costs for those who are less healthy.
Community Rating: The Affordable Care Act (ACA) requires community rating. This means that insurance companies generally cannot charge individuals different premiums based on their health status or pre-existing conditions.
Age: Age is a factor in determining premiums. Older individuals generally pay more because they are statistically more likely to have health issues and require more healthcare services.
Inflation and Healthcare Costs: Healthcare costs have consistently increased due to factors like the rising prices of medical services, prescription drugs, and technology.
Coverage and Benefits: The scope of coverage and the benefits offered by a health insurance plan also affect the premium costs. Plans with more comprehensive benefits tend to have higher premiums.
Cost-Sharing: Plans have cost-sharing features like deductibles, copayments, and coinsurance. These require the insured to pay a portion of their healthcare costs, which affects the overall premium. 
It's important to note that, while a healthy individual may feel they are subsidizing others, the system is designed to spread risk and ensure access to care for everyone.

Vachik Chakhbazian · Answer

Health insurance premiums are on the rise for everyone, including those who are healthy and don't utilize their coverage much, Healthcare costs, including prescription drugs and hospital care, continue to escalate, Insurance companies adjust premiums to keep pace with the rising costs of healthcare services.

Answered by Vachik Chakhbazian on August 3, 2025

Agent Licensed in CA, AL, AR & 22 other states

Answered by Vachik Chakhbazian Medicare Insurance Agent

Gary Henderson · Answer

Insurance companies set pricing and they typically do it based on where you live. It's based on your ZIP code and your age. Way you can offset this is by looking at other alternative plans that are lower cost for supplement plans which I can help you with. And as long as you're healthy enough to pass the underwriting, you'll be able to get another plan. If you live in a state that has special rules where they cannot deny you coverage, we can look at that also 
Give me a call at 737-530 -4626 pick option two. That is my direct number and if I'm busy leave a message and I'll call you back

Carol Thompson · Answer

That depends on the type of plan you are on, sounds like a med supplement as may increase each year as you age. 

You could consider getting onto a Medicare advantage plan where you pay your part B monthly (required) and only pay as you go to seek medical care.

Mark Boone · Answer

That’s a great question. Many insurance companies do provide rewards for clients that are proactive and complete healthy living activities such as annual wellness visits, cancer screenings and being active. So not a direct discount but money back or gift cards for taking care of yourself and choosing wellness.

Answered by Mark Boone on July 30, 2025

Agent Licensed in MN, FL, MI & NC, OH, SC & VA

Answered by Mark Boone Medicare Insurance Agent

Marcie Barnes · Answer

Thank you for your question.  I understand your frustration.

Follow-up questions are needed to address your concerns.  A generic answer will not suffice.

Please contact me.
I will be happy to assist you

Suzanne Lamperti · Answer

Medicare doesn't give discounts to the healthy,  unfortunately. Medicare has set regulations and rules and doesn't offer discounts. That would possibly make the system more complicated.

Todd Bostic · Answer

Federal law requires that each person have part D coverage in case they need medicine You automatically are enrolled in Part A, and if you have worked enough quarters, you qualify for Part B. Once you qualify for Part B, that qualifies you for Part D as well. My opinion is to verify the plan is the right one for you.

Answered by Todd Bostic on July 1, 2025

Broker Licensed in TX, AL, AZ & 12 other states

Answered by Todd Bostic Medicare Insurance Agent

Michael Kim · Answer

I don't know what plan your on. Are you on a Medicare Supplement Plan or a Medicare Advantage Plan?

Because Medicare Advantage Plans don't have any monthly premiums, but if your on a Medicare Supplement Plan, you will have a monthly premium and the cost will continued to increase every year. So call me and I can find out and help.

Linda Davies · Answer

Even if you don't utilize your Medicare plan extensively, the rising costs of healthcare overall, the increasing number of Medicare beneficiaries, and the program's funding structure contribute to annual premium increases. 

If you're concerned about your Medicare costs, here are some recommendations:

1. Review your income and consider strategies to manage it to potentially reduce IRMAA.

2. Contact Medicare or a State Health Insurance Assistance Program (SHIP) for assistance.

3. Explore Medicare Savings Programs (MSPs) if you have limited income and resources.

4. Consider private options like Medicare Advantage plans (Part C) or Medigap plans to help manage out-of-pocket expenses.

Jeffrey Sodikoff · Answer

There are NO discounts. Medicare Advantage plans do NOT have medical underwriting. Medicare Supplements in some cases do. They do charge more premium for smokers though. Its best to enroll in a Supplement when you are first eligible. That will be your plan for life.

Answered by Jeffrey Sodikoff on October 15, 2025

Agent Licensed in FL

Answered by Jeffrey Sodikoff Medicare Insurance Agent

Andre Cabral · Answer

As far as Original Medicare Part B, the only way to reduce the monthly premium is to being eligible for L.I.S. (low income subsidy) or for Medicaid. Medicare Advantage covers parts A and B, prescription drugs and some additional benefits at no cost, for certain plans. Consult an agent.

Answered by Andre Cabral on April 16, 2025

Agent Licensed in NJ

Answered by Andre Cabral Medicare Insurance Agent

Robert Remin · Answer

The premiums are the premiums. An option would be to look at a lower cost plan that offers same or similar  coverage as your current plan. An example would be the HDG plan or an Advantage plan assuming you are in an expensive Medigap Plan currently.
 I explain all the options and risks both medically and financially so you can make an educared decision.

Lillian Hill · Answer

Insurance is for the "in case if, or when the unthinkable, or catastrophic" occurs, you are protected. The time to purchase insurance is when you are healthy. Another aspect of insurance pricing is that risks are shared so that healthy members share the cost of paying for members who are less healthy, and as we age is also becomes a factor in cost.

Options for you maybe to change your coverage type. You may want to try a high-deductible plan. Some plans offer a household discount, and you most assuredly want to compare plans annually for a plan with a lower premium, but same benefits. 

With good health you are already a winner!

👏🏾

William Scott · Answer

Medicare Supplement Plans are annual. You have the option of changing plans every year between Oct. 15th and Dec. 7th of every year. That is the Open Enrollment Period. 

Instead of looking for a discount plan, lets find a plan that's going to address your needs and your budget so there are no surprises you're stuck with for the next year. Lets have a no cost conversation around Oct. 1st. so that we can find the right plan for you.

William Murray · Answer

Good question. Your good health is valuable to others.
The short answer is mostly my opinion and nothing I have empirical support for.
Medicare insurance is a social program which analyzes costs for treatment by age, gender and tobacco use.
In short, the healthy use fewer services or treatments and as such have fewer claims and costs for care.
The savings are spread out among the population to make services and treatments more affordable for those who have fewer resources for paying for care.

Al Saponar · Answer

There are different types of Medicare plans, including Medicare Supplement plans, Prescription drug plans, Medicare Advantage plans,  ancilliary plans to go with Medicare Advantage as well.
I can help compare the various options to find the best option for each of my clients, at no cost for my services.

Dennis Sullivan · Answer

If you're healthy and barely using your coverage, my suggestion would be looking into an advantage plan with a heartbeat buyback. Companies offer plans with buybacks as high as $174.90 on your heartbeat. They include vision, dental, hearing, and over-the-counter benefits. I mean, you're not paying into that heartbeat. Be it that maybe you're on a supplement, especially if people got in during open enrollment. You're in the same boat as them because it's really just a lottery, and everyone pays the same rate regardless of health conditions, etc. Especially if you get in during open enrollment, unfortunately, your premium is going to be the same as theirs, be it healthy or not. What I would look into, as mentioned, would be a heartbeat buyback, which is really designed around folks such as yourself that aren't in and out of the doctor. That's one way to alleviate the financial end of it. Anyways, that would be my suggestion. Hopefully, that helps.

Elizabeth Henderson · Answer

While there aren't discounts persay, with Medicare Advantage plans there are other "give-backs" in some cases to effectively offset some of the cost of Part B.  You can also earn money back from some of the insurance companies for doing preventative measures, such as going to the gym, getting preventative tests done, etc..  

Also, some Medicare Supplement plans give household discounts, whereas Medicare Advantage plans don't.

Shahnaz Razvi · Answer

There are many different ways & plans to save money based on your healthcare needs.

Please consult a broker agent to get more customized advise suitable for you in your case.

Dominic Colonero · Answer

Great question and I wish that did exist.  The technical answer is because Medicare insurance is risk pooling model where everyone pays in and shares the risk of illness. 
That being said there are different plan options available to people. Some supplement plans have lower premiums, Medicare advantage plans are usually low premiums and some Medicare advantage plans can give money back on your part b premium!

It's best to talk with a broker (like myself) and see what is best for you and your individual needs.

Rachael Metcalf · Answer

I am guessing you are on a Medicare Supplement? Unfortunately this is one of the downsides to this type of product. Here is my advice if you would have come to me.... depending on the carrier you may be able to switch to a cheaper supplement without any issues. Second thing, if you are that healthy then start all over. Put in an application for a new G plan with a different carrier. If healthy then you can qualify. Then you would be starting all over with the prices and the increases.

Answered by Rachael Metcalf on April 10, 2025

Agent Licensed in TN, FL, GA & 5 other states

Answered by Rachael Metcalf Medicare Insurance Agent

Deborah Lee · Answer

AEP is just around the corner.  That is the time to review your coverage and options for 2026.  Contact a local advisor that you know and trust!

Mila Grayevsky · Answer

Hi there, thank you for bringing this up.

You’re definitely not the only one who feels this way.

Health insurance, including Medicare, works a bit like a big shared backup fund. Everyone pays in so that if someone has an accident or a serious illness, there’s money there to cover those big bills. Since none of us can truly predict the future, the costs are spread out across all members, not just the people using care right now.

The upside is that people like you, who take good care of their health, help keep the overall costs from climbing even faster. Each year I go over coverage with my clients to see if there’s a plan that fits how they actually use care, so they’re not paying for more than they currently need.

Lesley Paul · Answer

There is an increase in Medicare costs every year due to paying for the care of members with high health needs, not just your own needs. A Medicare Advantage plan may have lower or no premiums and lower out of pocket costs.

Answered by Lesley Paul on May 6, 2026

Agent Licensed in FL

Answered by Lesley Paul Medicare Insurance Agent

Eric Jensen · Answer

With Medicare, there aren’t discounts for using less care, because the program is built on the idea of everyone sharing the risk together, similar to group insurance plans. 

However there are a couple options to save money on premiums if you are not using your policy that much. One option is to enroll in a Medicare Advantage plan that has a "Part B Giveback" that would help offset the Part B monthly premium that you are being charged. 

If you are in a medicare supplement (medigap)  plan and want to continue in a supplement plan, rather than enrolling in a medicare advantage plan, you could look into the possibility of switching to different carrier or a different plan with a lower premium and a little less coverage, depending on what state you are in. 

Feel free to contact me if you would like more information or clarification.

Dionisio Guillermo · Answer

Your cost is based on several factors such as administrative costs, risk costs, etc and the need to cover the costs of those who n do require extensive medical care. Even the healthy Medicare members contribute to the pool to ensure that those who need more care can receive it.

Answered by Dionisio Guillermo on May 30, 2025

Agent Licensed in HI

Answered by Dionisio Guillermo Medicare Insurance Agent

David Alelishvili · Answer

I completely understand how frustrating it feels to stay healthy, barely use your coverage, and still watch your costs go up year after year. As a licensed Medicare broker in New York, I can tell you that while Medicare doesn’t offer direct discounts for being healthy, there are quite a few programs available—especially in New York—that can help reduce your out-of-pocket costs. Many of them focus on lowering prescription (Part D) expenses, which can still make a big difference.

Whether you have a Medicare Supplement plan or a Medicare Advantage plan, it’s extremely important to work with a broker who takes the time to do a thorough comparison. I meet with clients every day who think they have a great plan—until we sit down and go over the details. That’s when the surprises start. Often, they’re shocked by what their current broker never told them, or just plain confused about the fine print.

If you have a few minutes, I’d love to do a no-cost, no-obligation comparison for you. It won’t cost you anything, and it might just save you a lot.

contact me anytime — I’m here to help.
David Alelishvili

Maria Pantall · Answer

Most Medicare plans price coverage based on age, area, medications and plan benefits, NOT how often you use care. Reason keeps the cost predictable and ensures everyone has access to need a coverage, even if their health changes.

Answered by Maria Pantall on December 8, 2025

Broker Licensed in IN & MI

Answered by Maria Pantall Medicare Insurance Agent

Ceranes Lejulus · Answer

Can you share a bit more information? Are you saying you're paying more in premiums or copays? --- we probably would need a bit more information. But generally, if you're more in premiums, you're probably have a supplement plan. Carriers that offer supplement plans usually have rate increases every year. You may have some options at your disposal, but we would need additional information.

Answered by Ceranes Lejulus on April 10, 2025

Broker Licensed in FL, AL, AR & 21 other states

Answered by Ceranes Lejulus Medicare Insurance Agent

Chelsea Reeves · Answer

That’s one of the best parts of how Medicare works. We all share in the cost and the risk, so when life takes an unexpected turn, you don’t have to worry about facing it on your own, you can just focus on getting the care you need and taking care of yourself.

Answered by Chelsea Reeves on December 29, 2025

Agent Licensed in GA & MS

Answered by Chelsea Reeves Medicare Insurance Agent

Todd Poe · Answer

Yes you can get a plan that can save you money.  If you call and speak to a licensed rep they can give you the information you need to make the best decision. For more information contact me.

Michael Claunch · Answer

Supplements go up on everyone based on age, not health. Your other option would be to switch to a $0 premium MAPD.

Samuel Dickson · Answer

You should sit with a licensed broker, and find out if there's a better plan for you. If you don't go to the Dr. very often, possibly an advantage plan would be best for you. Always sit with a licensed broker to find your best option.

Answered by Samuel Dickson on January 26, 2026

Broker Licensed in NY

Answered by Samuel Dickson Medicare Insurance Agent

I'm healthy and barely use my coverage, but I'm still paying more every year. Why isn't there a discount for people like me?

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