Medicare supplement plans offer benefits in addition to the benefits offered by Original Medicare Parts A and B, and they are offered by private insurance companies. There are several different types of Medicare supplement plans available, including Plan A, Plan C, Plan F, Plan M and Plan N. Medicare supplement plans and Medicare Advantage plans are not complementary, so it is important to understand which type of policy makes the most sense for you. Our licensed sales agents are standing by to walk you through a comparison of the costs and benefits of each type of plan, and to help you choose a Medicare supplement plan that best meets your needs.
Compare Medicare Supplement (Medigap) Plans and Rates in Your Area
"Times have changed since my mother had an AARP J plan and I was totally confused by the options available. Stan walked me through the process in a very educational, methodical, friendly way, and I feel secure now that we’re making the correct decision to provide the best possible coverage for my husband." – Pat K.
Compare Medicare Supplement Plans
The most important thing to understand about Medigap plans is that they are Federally-standardized. This means that the plans are the same from company to company. For example, a Plan F with one company is the exact same as a Plan F with another company. You can easily compare Medicare Supplement plans based on price because of this. Plan F is the most comprehensive plan – it pays everything that Medicare A & B do not cover, including the Medicare deductibles, co-pays and coinsurance. With Plan F, you have NO out of pocket costs. Lower-tier plans include G and N. Plan G is, in many cases, the best value among the plans. It is the exact same as ‘F’ except that it does not cover the Medicare Part B deductible (only $140/year in 2012). Plan N is one tier below that. It doesn’t cover that Medicare Part B deductible. Also, it has co-pays ($20 at the doctor’s office and $50 at the ER) and does not cover Part B Excess charges ( What Are Part B Excess Charges?). To see the coverage chart showing what the various plans cover, see Medicare’s “Choosing a Medigap” booklet or view the coverage chart online.
Medicare Supplement Insurance & Medicare Advantage Personal Service
Medicare Supplement Insurance, also known as MediGap Insurance, is designed to help cover some of the medical costs that are not covered by Medicare. These Medigap coverage plans are available to anyone enrolled in Part A and B of Medicare. There is an open MediGap Insurance enrollment period for the first six months after you turn age 65, in which you do not need to qualify or answer any questions about your prior medical history.
Medicare Supplement Insurance / Medigap Plans
Cigna, Aetna, Mutual of Omaha, United American, AARP (or any other)…. the only diferrence is the color of your card and the monthly premium that you pay. The federal government mtandates the benefits that are offered – so they are all the same. It makes a great deal of sense to shop each and every year. While your premiums may be going up – there are carriers that have reduced premiums.This is where I can help you. I will continually shop all carriers in YOUR area to make sure you do not pay any more than you should. Don’t you pay enough already?There is NO cost to you for using Med Sup Savings….
Get Medicare Supplemental Insurance Plan Quotes
As long as you enroll during this six-month Medigap Open Enrollment Period, the insurance company cannot refuse to sell you a Medigap policy, charge you more because you have health problems, or make you wait for coverage to begin. However, you may have to wait up to six months for coverage of a pre-existing condition. Original Medicare will still cover that health problem even if your Medicare Supplement plan doesn’t cover your out-of-pocket costs.