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Enter Your Zip Code Below or Call 888-310-2769
Welcome to MedicareSupplementalInsurance.com where we strive to offer information, helping you receive the best Medicare supplemental insurance policy possible. While every person has different needs we try to outline policies that fit you best.
Medicare supplements are add-ons to your existing Medicare policy, adding a "buffer" to the gaps in coverage that your basic Medicare offerings - Part A and Part B - usually do not cover. The government coverage is extremely helpful, but it tends to only cover about 80% of your medical bills and expenses. That's why many people (such as yourself) look to private insurance companies that offer supplemental insurance, that helps pay for things like deductibles, co-pays, and additional expenses that Medicare does not cover. With Medicare alone, you can be left out in the cold in regards to health expenses that can have very serious implications on your financial stability.
Medigap policies are easy for seniors because they can be obtained without ever having a medical exam. There is a period of time known as the "guaranteed issue period" where seniors do not have to qualify through a health check-up. Once signed up, the beneficiary will also be able to renew automatically. This "guaranteed issue" time period is a great help for any seniors with health problems that are pre-existing. It also holds the premiums in place, insuring the policy holder that the cost will remain constant through the life of the program.
Medigap policies have the benefit of being obtained without an exam within a certain time period - called a "guaranteed issue." This time period allows seniors to receive their policy without needing a health exam - and also allows them to continue renewing the policy indefinitely if they have obtained a guaranteed issue Medigap plan. This is an attractive option for many senior citizens with reoccurring health issues, because it prevents premiums from being raised by the insurance provider and also allows them continual renewals without any hang-ups or difficulties.
Check marks in the chart denote a coverage of 100% of the described Medigap benefit. If there is no check mark and instead a percentage marker, Medigap policies on each plan cover up to that percentage for the according benefit provision. If a box is blank, the Medigap policy is not sufficient for that benefit. You should also note that Medigap plans from MedicareSupplementalInsurance.com providers only cover your coninsurance premiums if you have already paid the deductible.
Medigap Plans Effective June 1, 2012 |
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Medigap Benefits Chart |
Plan A |
Plan B |
Plan C |
Plan D |
Plan F * |
Plan G |
Plan K |
Plan L |
Plan M |
Plan N | |
| Medicare Part A Coinsurance and Hospital Costs up to an Additional 365 Days After Medicare Benefits are Used Up. |  |
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| Medicare Part B Coinsurance or Copayment | |
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50% | 75% | |
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| Blood (First 3 Pints) | |
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50% | 75% | |
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| Part A Hospice Care Coinsurance or Copayment | |
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50% | 75% | |
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| Skilled Nursing Facility Care Coinsurance | |
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50% | 75% | |
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| Medicare Part A Deductible | |
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50% | 75% | 50% | |
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| Medicare Part B Deductible | |
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| Medicare Part B Excess Charges | |
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| Foreign Travel Emergency (Up to Plan Limits) | |
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Call us if you have any questions... |
Out-of-Pocket Limit ** | ||||||||||
| $4,620 | $2,310 | ||||||||||
* Medigap Plan F also has a high deductible option available for your policy. Under the high deductible choice, it is your responsibility to cover the $2,070 for the 2012 period before your Medigap plan covers any additional cost.
** Medigap Plans K and G have additional out of pocket limits that will only require you pay $4,620 and $2,310, accordingly. Once that is covered by you (and you have also paid your yearly Part B deductible), the MedicareSupplementalinsurance.com provider Medigap plans will pay 100% of your covered services the rest of that calendar year.
*** Medigap Plan N will pay for 100% of your Part B consinsurance payment, up to a maximum of $20 for office visitations, as well as a $50 copayment for unexpected emergency room hospital visits that don't conclude in an longer duration stay at the hospital.
There are several types of Medicare Plans, each one specified to meet your given needs and level of coverage required. Each one has specific coverage specialties that should inform your purchasing decisions. To further understand them, you should recognize what the standard plans mean for you. Medicare Part A (Hospital Insurance), helps cover inpatient, skilled nursing facility, hospice and home health care. Part B (Medical Insurance) covers doctor fees, outpatient care, home health care, and also some preventive services to maintain your health so no serious problems arise. Part C, Medicare Advantage, offers options run by Medicare-approved private insurance companies (this is different from supplemental insurance). Part D covers the cost of prescription drugs. To compare offers from providers in your state, enter your zip code at the top of this page.
This differs from Medigap policies - Medigap policies are needed where Medicare Part A-D does not fulfill all of your needs. For example, Medicare does not cover copayments, coinsurance, or deductibles. It also covers above and beyond the limits that Medicare puts in place for its policies - so that you can better protect your finances in the case of a health emergency.
MedicareSupplementalInsurance.com is different from other companies in that it bring's the countries top providers all in one place - so you can benefit. When you enter your zip code in one of our zip code fields either above or below, you'll be directed to a list of the top health plan providers in your area. By clicking and comparing between these providers, you will gain the most as a consumer so you can compare and contrast the costs of the different health plans available to you. In that way, MedicareSupplementalInsurance.com was designed as a shopping comparison portal for you and your Medicare insurance needs.
If you prefer not to fill out a lengthy plan online, we also have a helpful Medicare representative from top provider EHealthInsurance.com standing by to assist you if you choose to call our helpful phone line at 888-310-2769. These agents will help explain any other questions you might have about your Medicare options, such as how long they cover you, for what amount, what plan letter is correct for you, and more.
You become initially eligible for Medicare when you turn the age of 65. If you're about to turn 65, you can apply for a Medicare Advantage Plan and/or prescription drug plan (parts C & D) up to 3 months you become eligible. You can also qualify for Medicare if you're disabled and under the age of 65 - but only 21 months after you get your social security or RRB benefits. This window will close after the 27th month receiving social security or RRB benefits. If you are both 65 and disabled, you can switch from a Medicare Advantage to a Medicare Prescription Drug plan at any time, sign up or cancel as well.
Every year, there is an "open enrollment" period where changes can be made to existing Medicare supplement plans easily. You can change to an Advantage plan from original, join a Prescription Drug Plan, or drop your Medicare prescription plan completely. This period is from October 15th to December 7th of 2012. However, there are certain life conditions that enable to make changes to your plan. If you move to a new address that isn't in your plan's area, that new area has additional options you can take advantage of, you move back to the United States after living elsewhere, you've just moved out of an institution (such as a skilled nursing facility or long-term care hospital), or you've been released from jail. These each have unique terms you can ask your qualified Medicare representative more about once you continue through the process.
No matter what time of the year it is, it can't hurt to get in touch with a Medigap policy representative who can talk you through the process. If you're interested in learning more about a Medigap plan that fits you best, get started immediately by filling out our form. You'll be well on your way to peace of mind and a great Medigap plan in no time. If you would prefer to talk immediately with a representative, we have agents standing by at 888-310-2769.
