Medicare Supplement Insurance

Reliable Coverage. Predictable Costs. Standardized Benefits.

Medicare was never meant to cover everything. A Medicare Supplement plan helps fill the gaps in Original Medicare Part A and Part B—so your clients can enjoy the retirement they’ve worked so hard for.

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What is a Medicare Supplement Plan?

Medicare Supplement plans (also known as Medigap plans) are designed to work alongside Original Medicare (Part A & Part B) to help pay for out-of-pocket costs that Medicare doesn’t cover—such as deductibles, coinsurance, and copayments.

 

Helps Cover the Gaps

Helps pay certain out-of-pocket costs that Original Medicare doesn’t fully cover, such as coinsurance, copayments and, with some plans, deductibles.

More Predictable Costs

By helping cover some of the cost-sharing left by Original Medicare, a Medicare Supplement plan can make healthcare expenses easier for clients to anticipate and manage. The amount covered depends on the Medigap plan they choose.

Works Alongside Original Medicare

Clients retain Original Medicare’s provider flexibility while the supplement helps with certain cost-sharing.

Standardized Benefits

Medicare Supplement plans are standardized. In most states, policies with the same letter provide the same basic benefits regardless of the insurance company offering them, although premiums can differ

WHO CAN ENROLL?

Who is Eligible for Medicare Supplement Coverage?

Medicare Supplement plans are designed for people enrolled in Original Medicare who want help managing some of the out-of-pocket costs that Medicare leaves behind. Generally, a person needs Medicare Part A and Part B to purchase a Medigap policy

  • Generally age 65 or older and enrolled in Medicare Parts A and B

  • Living in a state where the selected policy is offered

  • Looking to supplement Original Medicare rather than replace it

  • May also qualify under certain state rules or guaranteed-issue situations

The Best Time to Enroll

Your client’s one-time Medigap Open Enrollment Period generally lasts 6 months beginning the first month they are 65 or older and enrolled in Medicare Part B. During that period, they can buy any Medigap policy sold in their state without being denied because of pre-existing health conditions. Afterward, availability and pricing may be more limited unless they have a guaranteed-issue right or additional state protections.

Plans Designed to Fit Their Needs

In most states, Medicare Supplement plans are standardized by the federal government and identified by letters (A, B, C, D, F, G, K, L, M, N). We’ll help you compare options and find the right plan for your client’s health and budget

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Ready to Explore Medicare Supplement Options?

Our team can help you compare products, review options and find the right fit for your client.

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