Medicare Supplements

Medicare Supplement Plans

To become eligible for a Medigap policy, you must be enrolled in Medicare Part A & Part B.
Supplements do not have an annual election period, so they can be cancelled at any time.
Only 1 person per policy as these are individual plans.
Pre-Existing conditions cannot prevent you from renewing a Medicare supplement plan.
Drop out of your supplement whenever you want, since they don’t have an annual election period.
No health condition can keep you from renewing your supplements.

Plan covers 20% on outpatient care.
For those who qualify for Medigap under the age of 65 due to an illness or disability, this plan can be bought during open enrollment w/o underwriting.
For those under 65, the cost for the Medigap A plan may be significantly more when compared to an individual who is 65 or older.

Same coverage of Medicare Plan A
Will cover Medicare Part A hospital deductible
The deductible is paid several times in the same year
Rates vary from insurance company and are based on location, gender, age, household discounts, and if you are a smoker.

This plan provides coverage for the gaps in Medicare such as 20% outpatient charges.
Deductible is not covered.
Medicare excess charges are not covered.

All Medicare gaps are covered such as deductibles & copays
Rates vary by insurance company are are determined location, smoking, age, gender, & household discounts
There is a High Deductible Plan F as well. Contact us for more info.

Include the same coverage as Medigap Plan F with the exception of the Part B $183 deductible .
Hospital expenses while in the hospital are covered. This also included the $1340 deductible.
This plan also covers a majority of outpatient care, excluding the $183 deductible.

This plan has lower premiums and increased cost-sharing w/ the insurance company.
Parts A and B deductibles are not covered but an additional year in the hospital may be covered.
Covers all the same basic benefits

Medigap Plan L has reduced premiums for 75% of the medical expenses covered by carrier.
Medicare Part B deductible & surcharges are not covered.

Basic Coverage
Lower monthly premiums
Full annual outpatient may not be covered. You may also be responsible for half of the hospital deductibles

Lower monthly premiums
Covers the 20% Medicare doesn’t including: hospital deductible, copays, & coinsurance
The cost sharing will become greater to include: $20 of doctor copay & $50 for an Emergency Room visit

For more information on the following: