Medicare Supplemental Insurance Made Easy
We know that Medicare Supplemental Insurance can be hard to learn at first. So we suggest you to call and speak with one of our expert Medigap Agents to to help learn about all the coverage that is available to you. There are many Medicare Supplemental Insurance Plans available and they all have a little different coverage. Medigap Insurance Plans are lettered A-N. Medicare Supplemental Insurance Plans E,H,I and J have were eliminated by Medicare in June of 2010.
What do the different Medigap Plan letters cover?
- Covers 100% of the gaps in Medicare
- NO Deductibles
- NO Co-Pays
- NO Network – Visit any doctor that accepts Medicare
Medigap Plan G
- You must pay the Annual Medicare Part B Deductible, after which pays 100% of the gaps in Medicare
- NO Deductibles
- NO Co-Pays
- NO Network – Visit any doctor that accepts Medicare
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Medigap Plan N
- Typically lower premiums than F or G
- Has cost sharing options such as Co-Pays and Deductibles
- Hospital Visit – $50 Co-pay; You must pay the Part B annual deductible; Up to $20 Co-pay after it’s met
- NO Network – Visit any doctor that accepts Medicare
- Not available in all areas
Eligiblity into a Medicare Supplemental Insurance Plan
Upon turning 65 and taking Part B Medicare, you have six months of what is called the “Open Enrollment Period”. Also called a guaranteed issue period. During this time you are eligible for any Medicare Supplemental Insurance plan available with no medical underwriting. This is great for people with pre-existing conditions as they are guaranteed coverage. Medicare Supplemental Insurance is also guaranteed renewable. This means that as long as you pay your monthly premium you can never lose your current Medigap Insurance.
Coming off an Employer Health Plan and Into Medicare Supplemental Insurance Coverage
If you are losing your employer health coverage through no fault of your own, it is likely your are guaranteed issue into certain Medicare Supplemental Insurance Plans. Typically this includes a Medicare Supplement Plan F. If you are in this situation call us immediately at 1-888-348-0398 so we can determine which Medicare Supplemental Insurance Plan and company will fit your needs the best.
Paying Too Much for your Current Medicare Supplement Plan?
If you have a Medicare Supplement Insurance Plan now, you likely have gotten a rate increase or two. These plans typically have rate increases every year. Our job is to make sure you pay the least amount possible for your Medicare Supplemental Insurance coverage every year. We know about our clients rate increase before they do, and we perform an annual rate analysis every time they get an increase to see if there is a better option for them. There is never a cost for our services, but our clients love us for it! Please allow us to help you as well. Let us do the work so you don’t have to, year-after-year.
Our job is to make sure you pay the least amount possible for the greatest coverage that you qualify for your Medicare Supplemental Insurance.
