Protect Your Health and Savings with a Medicare Supplement Plan.
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DID YOU KNOW THAT MEDICARE DOES NOT COVER 100% OF MEDICARE RELATED EXPENSES?
WHY DO I NEED MEDICARE SUPPLEMENT INSURANCE?
Original Medicare offers great Medical coverage but it does come with co-pays and co-insurance for which you are responsible.That is why the government has standardized Medicare Supplement (Medigap) policies, as a way for you to get these costs covered. Most seniors end up getting some sort of supplemental coverage to Medicare. For example, Medicare only pays for 80% of the Medicare Approved Amount for most doctor outpatient services and durable medical equipment. While you typically would be responsible for pay 20%. A Medicare Supplement Insurance (Medigap) policy can help pay your portion of such costs by covering this 20%. (depending on your chosen plan). A Medicare Supplement (Medigap) plan can cover Medicare
* Co-payments
* Co-insurance
* Deductibles
UNDERSTANDING MEDICARE BASICS
Medicare provides individuals 65+ with healthcare coverage. Original Medicare consists of Part A and Part B and is accepted by most doctors and hospitals in the country.
* Part A covers inpatient hospital care, skilled nursing, hospice, and some home health care.
* Part B helps cover preventative care, outpatient therapy, and doctor services.
* Together, Parts A and B still leave you with some gaps in coverage, which can be covered by a Medicare Supplement (Medigap) plan.
* Part D covers outpatient prescription drugs.
Many seniors add a low-cost prescription drug plan under Medicare part D.
MEDICARE SUPPLEMENT PLANS
As stated above, your co-pays and co-insurance for Medicare can be covered by a Medicare Supplement (Medigap) plan. There are many plans to choose from—and our independent, licensed agents can help you compare them to find the right fit. There are many different types of Medicare Supplement (Medigap) plans to choose from and we can help you determine which one is right for your circumstances. For example, Plan F and Plan G are popular amongst Seniors because they offer broad coverage.
* Plan F is now phased out for new enrollees (if you already have a Plan F, you can likely keep it).
* If you’re not eligible for Plan F, Plan G is a clear alternative with many of the same benefits.
* In some cases, people are switching from F to G to save hundreds per year.
We also keep track of which carriers offer the best price for the value and continually monitor premiums to help you along the way. For example, a certain insurance carrier might start out with a low premium but raise prices continually as you get older. That is information you will not be able to determine by just looking at a quote. .
* Work with an experienced agent who can help you make an informed decision.
We are proud to work independently, and we have access to virtually every major insurance company and its supplement plans. Our professionals can help you navigate the Medicare maze and make sure you have the right coverage for your needs. Contact us today!
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We are not connected with or endorsed by the United States government or the federal Medicare program.
