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Medicare Supplement Plans

Medicare Supplement Plans, also known as Medigap policies, are sold by private insurance companies and will pay some or all of the health care costs that Original Medicare (Medicare Part A & B) doesn’t cover. These costs can include copayments, coinsurance, deductibles and excess fees. These types of plans help make your annual health care budget very predictable and lower your out-of-pocket spending.

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How Do Medicare Supplement Plans Work?

You are still part of Medicare: You must have Medicare Part A & B in order to apply for a Supplement Plan.

Fills the gaps in Medicare: Supplement plans are specifically designed to pay some or all of the deductibles, co-pays, coinsurance, and excess fees that Medicare does not cover.

Plans are standardized: The benefits from plan to plan are the same from every insurance company. This means that the benefits that plan F provides will be the same no matter which insurance company you choose.

Prices will vary: Plan premiums for new applicants are based on your age, sex, tobacco use, and location. It is important to shop the market for the lowest premiums for you, especially since each insurance company is providing the same benefits.

Individual coverage: Medigap Policies only cover one person so if you and your spouse are both looking for coverage you will have to buy two separate policies.


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All Medicare Supplement companies must provide the exact same benefits for each plan type but prices will vary between companies.

Once you have selected a plan we can help you shop the market for your best price!

Guaranteed renewable: Medicare Supplements are guaranteed renewable, which means an insurance company can never cancel your plan due to health conditions as long as you pay your plan premiums.

No networks: With Original Medicare and Medicare Supplement Plans there are no networks. This means you can use any doctor or hospital in the country that accepts Medicare.

No referrals needed: Medicare supplement plans do not require a referral to see a specialist. It is your choice to see any specialist in the country who accepts Medicare.

Drug coverage is separate: Medigap policies sold after January 1st 2006 are no longer allowed to provide drug coverage, so if you would like drug coverage you will have to purchase a Part D prescription drug plan separately.

Medicare Supplement Plans Available in 2020

Note: Plan availability varies based by Insurance company and location.

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