Also known as Medigap policies, Medicare Supplements are insurance policies sold by private health insurance companies that help supplement Original Medicare. Meaning they help pay some of the health care costs that Original Medicare doesn't cover - copayments, coinsurance, and deductibles.

 

If you have a health care expense, Original Medicare (Parts A & B) will pay its share of the Medicare-approved amounts for covered health care costs first. Then your Medigap policy pays its share. There is a premium associated with purchasing a Medigap policy. Medicare does not pay any of your cost for a Medigap policy.

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To purchase a Medigap policy you must have Medicare Parts A & B. The best time to get on a Medicare Supplement is when you are Turning 65. Under federal law you have a 6 month open enrollment period that begins the month you are 65 or older and enrolled in Medicare Part B. Your acceptance during this period is guaranteed, and you will not have to answer underwriting questions. You are able to change Medicare Supplement policies at any time, however, if you are outside of your open enrollment period, you will have to pass the underwriting process

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Medicare Supplements are standardized plans, so it makes sense to shop around and compare different companies. The coverage is the same, but the price is not! A Medicare Supplement Plan G with company ABC has the exact same coverage with company XYZ, so why pay more?

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As an independent agency, we can quote all plans from multiple, highly rated, companies. Enrolling into these plans is easy! It typically takes 15-20 minutes and can be done in person or over the phone.