Medicare Supplement insurance is sold by private companies. Sometimes called "Medigap," it can help you pay for out-of-pocket health care expenses that Medicare doesn't cover, such as deductibles, coinsurance, copayments, or outpatient services.
What are the four parts of Medicare and what do they offer?
Medicare Parts A and B are known as “Original Medicare.” Parts C and D are voluntary
Medicare Part A
Covers inpatient hospital stays, up to 100 days of care in a skilled nursing facility, hospice care and some home health care
Medicare Part B
Covers certain doctors' services, outpatient care, medical supplies and preventive services
Medicare Part C
Includes benefits equal to Parts A and B. Offers additional benefits that vary, usually within a certain provider network, depending on the company and plan you choose
Medicare Part D
Prescription drug coverage
Covers many medications that are prescribed by your doctor or other qualified health professionals
Medicare Supplement insurance plans
To help you pay for out-of-pocket medical costs that Medicare may not cover, we offer Medicare Supplement insurance plans A, B, C¹, D², F, F with high deductible, G, G with high deductible, K, L, M and N. Our knowledgeable agents/producers can help explain how each plan works and answer your questions related to Medicare or Medicare Supplement insurance.
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¹Plan C is offered in: Arizona, Delaware, Georgia, Iowa, Illinois, Maryland, Nebraska, Nevada, New Jersey, Ohio and South Carolina
² Plan D is not offered in: Connecticut, Florida, Maine, Minnesota, New York, Pennsylvania, Vermont, and Wisconsin.
³ The High-Deductible Plan F and the High-Deductible Plan G pay the same benefits as Plan F and Plan G after one has paid a calendar year deductible (amount adjusts annually). Benefits from the High-Deductible Plan F and the High-Deductible Plan G will not begin until out-of-pocket expenses exceed this calendar-year deductible.
⁴ Plans K and L have out-of-pocket limits which are set annually by the federal government. After the out-of-pocket limits are met the Medicare Supplement plan pays 100% of the covered Medicare Services for the remainder of the calendar year.
⁵ Plan N requires a copayment of up to $20 for doctor’s visits and up to a $50 copayment for emergency room visits that do not result in an inpatient admission.
⁶ Plans C, F and High Deductible F are only available to persons who are first eligible for Medicare before 1/1/2020.
⁷ Covers foreign travel emergency care if it begins during the first 60 days of your trip and if Medicare doesn't otherwise cover the care. Includes a lifetime maximum benefit of $50,000 with a $250 calendar year deductible.
Plans C and D are not available in Florida.
Am I Eligible?
To buy a Medicare Supplement plan, you must be enrolled in Original Medicare Parts A & B. You must live in the state where the policy is offered, and be age 65 or over or, in some states, under age 65 with a qualifying disability.
Contact one of our Medicare professionals to help you pick the best supplements for your needs.