When people think of Medicare Supplement (Medigap) plans, the first question is usually, “How much is it going to cost me each month?” That’s a fair concern—healthcare expenses can feel overwhelming.

But here’s what many don’t realize: some Medicare Supplement carriers offer discounts that can lower your premium. And most people never hear about them unless they’re working with an independent broker.

Common Medicare Supplement Discounts

• Household Discounts
  Many carriers give a discount if you and your spouse (or even another adult in your household) are both insured under the same company. Savings can range anywhere from 5% to 12%.

• Electronic Payment Discounts
  Some companies reduce your premium when you pay through automatic bank draft instead of mailing checks. It saves them money on processing—and they pass a little of that savings to you.

• Non-Tobacco Discounts
  If you’re a non-smoker, you may qualify for lower rates. Carriers often separate pricing for tobacco vs. non-tobacco users.

• Early Enrollment Advantages
  In states like Florida, where Medicare Supplements are entry-age rated, the age you enroll at sets your premium baseline. The earlier you sign up, the more you can save over time.

Why You Don’t Hear About These Discounts Everywhere

Each carrier sets their own rules, which means discounts can vary. Some agents only represent one company and might not tell you about other options.

That’s why working with a licensed independent broker matters—you get the full picture, not just one company’s version of it.

The Bottom Line

Medicare Supplements already bring peace of mind with predictable costs and nationwide coverage. If you qualify for discounts, that peace of mind can also come with extra savings.

Call our team at 904-654-5450 or visit www.merebenefits.com to find out if you’re missing out on discounts that could make your coverage more affordable.

Next Step: Read our blog on Medicare Advantage vs. Supplement to see why people often choose Supplements in the first place.

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