Medicare Supplement Insurance

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Medicare supplement insurance, operating since 1939.

Medicare supplement insurance can be a complicated topic. Our representatives can help you to determine which plan is the best fit for you.

A Medicare Supplement Insurance (Medigap) policy helps pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance and deductibles. Some Medigap policies also cover services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S.

If you have Original Medicare and you buy a Medigap policy, here’s what happens. Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then, your Medigap policy pays its share.

Here are some things you should know about Medigap policies:

  • You must have Medicare Part A and Part B.
  • A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.
  • You pay the private insurance company a monthly premium for your Medigap policy. You pay this monthly premium 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.
  • 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.
  • Some Medigap policies sold in the past cover prescription drugs. But, Medigap policies sold after January 1, 2006 aren’t allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D).
  • It’s illegal for anyone to sell you a Medigap policy if you have a Medicare Advantage Plan, unless you’re switching back to Original Medicare.

It’s important to know that Medigap policies don’t cover everything. They generally don’t cover long-term care, vision or dental care, hearing aids, eyeglasses or private-duty nursing. Another thing to be aware of is the fact that some types of insurance aren’t Medigap plans.

These include:

  • Medicare Advantage Plans (like an HMO, PPO, or Private Fee-for-Service Plan)
  • Medicare Prescription Drug Plans
  • Medicaid
  • Employer or union plans, including the Federal Employees Health Benefits Program (FEHBP)
  • TRICARE
  • Veterans’ benefits
  • Long-term care insurance policies
  • Indian Health Service, Tribal and Urban Indian Health plans

Medicare insurance can be a complicated issue, so please contact us today if you want to talk about your options.

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