What are the features of Medicare Supplement plans?

• Helps cover some out-of-pocket costs that Original Medicare doesn’t pay.
• See any doctor who accepts Medicare patients.
• No referrals needed to see a specialist.
• Coverage that goes with you anywhere you travel in the U.S. (Some Medigap policies also offer coverage for medical care when you travel outside the U.S)
• Guaranteed coverage for life (as long as premiums are paid)

What Medicare Supplement plans are available?

Medicare Supplement plans are often called “Medigap.” Medicare supplement plans are “standardized”. Note: In Massachusetts, Minnesota and Wisconsin, there are different standardized plan options available.

Each plan has a letter assigned to it. Each Medicare Supplement plan offers the same basic benefits.

Some Things to Know about Medigap policies

• To purchase a Medigap plan, you must have Medicare Part A and Part B.
• You pay the private insurance company a monthly premium for your Medigap policy in addition to the monthly Part B premium that you pay to Medicare.
• A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you'll each have to buy separate policies.
• You can buy a Medigap policy from any insurance company that's licensed in your state to sell one.
• Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can't cancel your Medigap policy as long as you pay the premium.
• Premiums vary from company to company for the same benefits.
  Medicare Supplement plans are identical regardless of the insurance company: Each plan pays the bills exactly the same way and are all accepted at every provider that accepts Medicare.
• You can change your Medigap plan any time during the year as long as you qualify medically

We will review your plan annually to be sure you are still paying the best premium for your plan. This is a service we provide to all of clients and we NEVER CHARGE FOR OUR SERVICES.

Medigap policies don't cover everything

Medigap policies generally don't cover dental, vision and hearing as well as long-term care and private-duty nursing.