Medicare Supplement PLan Rate Increases

If you're on Medicare and have a Medicare Supplement Plan - monthly premiums are increasing. We have been working with Medicare folks for over 25 years. So we have a long history of seeing how these companies and premiums change. 

For 2026 we're seeing these increases more than ever. It's just one more aspect of our affordability crisis. Watch our newest video to discover your options.

Next Steps

After reviewing what you need most from your insurance, the next step will be exploring the options available to you. Below are possible routes to take when searching for a new plan. 

option 1: Explore Other Medicare Supplement Plans 

Switching to a new Medicare Supplement Plan with a lower premium is a possibility. Medicare Supplement benefits are the same with each and every company. A Plan G with United Healthcare has the same core benefits as a Plan G with Blue Cross. Medical underwriting is required when changing plans, so those with chronic health conditions, upcoming surgeries, or other medical issues may not be able to switch plans. (Available Year Round)

Medicare Health Questions

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Option 2: Chronic Health Special needs Plans or "C-SnPS"

People affected by a chronic health condition such as heart disease or diabetes have the option to enroll in a Chronic Special Needs Plan. These Medicare Advantage Plans are designed for those with a chronic health issue and have strong benefits to meet those needs. If and when you're diagnosed with heart disease or diabetes, you're eligible to enroll in a C-SNP. (Available Year Round)

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Option 3: 5-Star Advantage Plans

5-Star Medicare Advantage Plans are labeled this because of their Medicare star rating, which is based on plan performance, customer services, and other factors. Medicare members (supplement and advantage) have the option to enroll in a 5-star plan at any point during the year. ​(Available Year Round)

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Option 4: Medicare Supplement Plan "N" 

Plan "N" is similar to Plan "G" with a couple of important changes. For out-patient physicians' visits - there is a copay of $20 and $50 for emergency room visits. There is no coverage for "Excess Charges". Medical underwriting may be required when changing plans, so those with chronic health conditions, upcoming surgeries, or other medical issues may not be able to switch plans. (Available Year Round)
Learn More and/or get a quote for Plan "N"

​Do You have effective coverage?

Review your medical priorities to shop for an effective and affordable plan. To help with this, we've developed a tool to help you visualize what is most important to you. 

What's Most Important?

​Lets Get Started!

Trout Insurance is ready to help you find the most effective and affordable Medicare solution. Whether you're turning 65, retiring or need a new plan, our experienced agents are here to help. There is never any added cost to you. Contact Trout Insurance today!

Contact

Trout Insurance
29 N. Main Street
​Weaverville, NC 28787

Call: 828.279.4681
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www.troutinsurance.com