Medicare Supplemental Insurance

A Medicare supplemental insurance or Medigap policy is health insurance sold by various private insurance companies. These policies are intended to fill in the "gaps" in Medicare plan coverage. These plans may help pay for some of the costs that Medicare does not cover such as co-payments, deductibles and co-insurance. If an individual is on Medicare and has a supplemental policy, each plan will pay its share of the covered health care costs.

Each and every Medicare supplemental insurance policy must adhere to Federal and state laws designed to protect the individual and must be clearly identified as "Medicare Supplemental Insurance". In most states, insurance companies can only sell standardized supplemental policies identified by the letters A through N. Each policy must offer the same basic benefits no matter which insurance company is selling it. The only difference between Medigap policies with the same letter sold by different insurance companies is the cost. All types of Medigap plans are not available in all states and Medicare Advantage plans (Part C) such as an HMO, PPO, or private fee for service plans and Part D Medicare prescription drug plans are not Medicare supplemental insurance policies. Married couples must each purchase their own separate Medigap policies as these policies will not cover any costs for a spouse.

The optimum time to purchase a Medicare supplemental insurance policy is during the open enrollment period. Open enrollment lasts for 6 months beginning on the first day of the month that an individual turns 65 or older and enrolled in Medicare Part B. There maybe be additional open enrollment periods for people under the age of 65 in certain states. During open enrollment, an insurance company cannot refuse to sell a policy due to health problems but it may be able to make the individual wait for coverage if they have a pre-existing condition. The insurance company can refuse to cover out of pocket expenses for pre-existing health issues for up to six months but regular Medicare coverage will still cover the condition. The individual is still responsible for co-payments or co-insurance. After the six month waiting period, these conditions will be covered by the supplemental policy.

It is important to purchase a Medicare supplemental insurance policy during open enrollment. During open enrollment, if there are pre-existing health conditions, any Medigap policy an insurance company sells can be purchased for the same price as someone with no health issues. After the open enrollment period, there is no guarantee that the insurance company will sell a policy if the individual does not meet the medical underwriting requirements.

The decision to purchase a Medicare supplemental insurance policy is an important one. Individuals should shop carefully and compare policies that are available to see which ones meet their needs. Keep in mind that not all insurance companies offer all of the supplemental policies and they each may charge different amounts for the same policies. A wider choice of Medigap policies and a lower premium will be available during the open enrollment period when turning 65.

 

It doesn't matter if you live in Florida, Texas or California and are looking for comparisons from the leading insurers that offer Medicare supplemental plans, we can help. Our free service connects individuals that qualify for Medicare with licensed insurance agents that can help you find and compare Medicare supplemental insurance rates and quotes with cost and coverage analyses. Whether you need more information on Medicare part J or Medicare part F, our access to a nationwide network of licensed agents are ready to serve you.

 

The federal government also offers the “Medicare Prescription Drug Plan Finder,” a tool in which you enter your current drug information in and it informs you in which plan you should select to save the most money for the year for Medicare part D coverage. This alone isn't what you need when searching out information for plans J and F, but a useful tool none the less.

 

You may be able to get extra help to pay for your prescription drug premiums and costs.

 

To see if you qualify for getting extra help, call: 1-800-MEDICARE (1-800-633-4227). TTY/TDD users should call 1-877-486-2048, 24 hours a day/7 days a week

 

OR

 

The Social Security Administration at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY/TDD users should call, 1-800-325-0778; or Your State Medicaid Office.

 

Remember...no matter where you live in the United States, we can help you shop for Medicare supplemental insurance by connecting you with local licensed insurance professionals that are ready to answer your questions. We don't charge any fees for this service and are 100% free with no cost or obligation. Medical supplemental insurance isn't free but by connecting with local licensed insurance agents that are knowledgeable, you can ensure you're talking with a licensed professional that is ready and willing to help.

 

Medicare supplemental insurance is available throughout the United States: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, United States, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming, AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, IO, KS, KY, LA, MA, MD, MS, MC, MI, MN, MO, MS, NC, NJ, NM, NV, ND, NH, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC, Albuquerque, Anaheim, Arlington, Atlanta, Austin, Baltimore, Boston, Buffalo, Charlotte, Chicago, Cincinnati, Cleveland, Colorado Springs, Columbus, Dallas, Denver, Detroit, El Paso, Fort Worth, Fresno, Honolulu, Houston, Indianapolis, Jacksonville, Kansas City, Las Vegas, Long Beach, Los Angeles, Memphis, Mesa, Miami, Milwaukee, Minneapolis, Nashville, New Orleans, New York City, Oakland, Oklahoma City, Omaha, Philadelphia, Phoenix, Pittsburgh, Portland, Sacramento, Saint Louis, San Antonio, San Diego, San Francisco, San Jose, Santa Ana, Seattle, Tampa, Toledo, Tucson, Tulsa, Virginia Beach, Washington, Wichita.

 

 

2011 Medicare Supplemental Insurance - About - Contact

 

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