CoverRight Health Insurance Review

At a Glance

Overview

CoverRight is a Medicare broker designed to help you find the right Medicare plan for your needs. The company's online plan finder tool asks you a series of questions about your eligibility, your budget, your medical needs, and your current doctors and prescriptions. Based on that information, CoverRight will automatically suggest one or more Medicare, Medicare advantage, prescription drug, or Medigap plans available in your area. 

CoverRight's plan finder is completely free to use. Unlike other brokers, CoverRight doesn't require your contact information, so you never receive unwanted calls after searching for plans. Another plus to CoverRight is that you can call to speak with a licensed insurance advisor at any time to get help evaluating your Medicare plan options.

Suitable For?

CoverRight is suitable for anyone who needs to change their existing Medicare coverage. CoverRight's platform can help you determine whether you need a Medicare Advantage or prescription drug plan. You must be already enrolled in Medicare in order to purchase a plan through the platform, but anyone can use CoverRight's free plan finder tool or talk with an advisor for help.

Policy Types and Terms

CoverRight offers the following Medicare-related plans:

• Medicare Parts A+B: The ‘original' Medicare insurance covers hospital costs (Part A) and in-network medical costs (Part B).
• Medicare Advantage plans: Medicare Part C plans bundle original Medicare and prescription drug plans. They typically also include dental, vision, and hearing insurance.
• Prescription drug plans: Standalone prescription drug plans can be purchased as a supplement to Medicare Parts A+B to cover medication costs.
• Medigap plans: Medigap plans provide additional coverage to pay for out-of-pocket costs that Medicare and Medicare Advantage don't cover.

The Application Process

You can start an application for Medicare coverage on CoverRight's website. If you're not sure what you're looking for, CoverRight offers a questionnaire that helps you narrow down your plan choices. If you already know what type of coverage you want, you can jump straight to looking at plan options in your area.

You can enroll in a plan directly through CoverRight. To enroll, you will need to enter your personal details and payment information if applicable. You will receive information about your new plan via email.

How much does it cost?

Medicare and Medicare Advantage plans range from free to around $100 per month. Most plans have an annual out-of-pocket maximum of around $5,000 to $7,000. Paid Medicare Advantage plans include dental, vision, and hearing (starting at $19 per month). Plans may also include a co-pay (less than $50 for in-network doctor visits) or up to 20% co-insurance.

Fees

CoverRight does not charge any fees to use its plan finder tool or to enroll in a plan. The company is compensated by your insurance provider when you enroll through CoverRight.

Qualifications

You must be enrolled in Medicare in order to sign up for a plan through CoverRight. The Medicare Advantage open enrollment period runs from January 1 to March 31 each year.

Help & Support

CoverRight offers customer support by phone and live chat. We found that it was easy to get in touch with a licensed advisor, and advisors were very knowledgeable about the different Medicare plans available.

Support hours: 8 AM to 8 PM (ET) Monday to Friday, 10 AM to 7 PM Saturday and Sunday

How Safe is It?

CoverRight uses 256-bit AES encryption and SSL security to ensure that any information you enter through the online application is safe. The platform doesn't require personal information unless you enroll in a plan.

FAQ

Can I enroll in Medicare through CoverRight?

You must enroll in Medicare through the Social Security Administration before you can sign up for insurance coverage using CoverRight.

Can I keep my own doctor with CoverRight?

CoverRight enables you to enter information about your current doctors and medications so that you can see which plans will allow you to keep your primary care physician.

Is CoverRight affiliated with any insurance companies?

No, CoverRight is a fully independent insurance broker. CoverRight makes money through commissions paid by insurers when you enroll in a plan.

Address

CoverRight Holdings, Inc., 195 Broadway, 3rd Floor, Brooklyn, New York 11211

Summary

CoverRight is an independent insurance broker that can help you find a Medicare, Medicare Advantage, Medigap, or prescription drug plan. The platform offers a free online plan finder and you can get help from a licensed advisor over the phone at any time. If you find a plan you like, you can enroll directly through CoverRight's website.

Methodology

This review was based on CoverRight's website and online application, as well as a chat with CoverRight's customer support team.