Medicare Supplement Insurance
Medicare Supplement Insurance plans, also known as Medigap policies, are health insurance policies that limit the amount you’ll pay for medical services once you are on Medicare. As you may know, both Medicare Part A and Medicare Part B have deductibles and other costs that you pay, and neither has an out-of-pocket maximum. Because of this, you’ll want to find a plan that works for you both now and in the future.
What’s the Purpose of Medicare Supplement Insurance?
The purpose of Medicare Supplement Insurance, also known as Medigap, is to fill in the gaps in coverage left by Original Medicare.
Medicare Supplement Insurance is offered by private insurance companies and is designed to help cover these out-of-pocket costs. It works alongside Original Medicare, providing additional financial protection to beneficiaries.
What Does Medicare Supplement Cover?
Your Medicare Supplement Insurance plan generally covers only those services that Original Medicare covers. These are called Medicare-allowed or Medicare-covered charges. Most “medically necessary” services are covered by Original Medicare and would then be covered by your Medicare Supplement Insurance plan.
How Do You Enroll in Medicare Supplement?
To buy a Medicare Supplement insurance plan, you must first enroll in Medicare Part A and Medicare Part B. If you only sign up for Medicare Part A when you turn 65—usually because you or your spouse are still working—then you will need to contact the Social Security Administration to enroll in Part B.
Once you are enrolled in Medicare Part A and Medicare Part B, you can buy a Medicare Supplement Insurance plan. It’s important to know that during the first six months of Medicare Part B enrollment, you can purchase a Medicare Supplement plan without worrying about preexisting conditions or being denied. This is known as the guaranteed issue right period.
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Disclaimer: This is a solicitation of insurance.
We do not offer every plan available in your area. Currently, we represent 4 organizations that offer 2,034 products in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Enrollment in a plan may be limited to certain times of the year unless you qualify for a special enrollment period or are in your Medicare Initial Election Period.
