Protection From High Medical Costs
Medicare Supplement plans provide protection by covering the financial "gaps" that Original Medicare, Medicare Part A and Part B, does not cover, including deductibles and co-insurance.
The terms “Medigap” and Medicare Supplement are interchangeable as they refer to the same thing. Medigap plans are available to purchase from private insurance companies. The plans are standardized programs, set by the government. That means that any insurance company’s Plan G is the same coverage as any other’s Plan G. The only difference is the premium. For this reason, it is helpful to work with us. We are knowledgeable and appointed with over 30 insurance companies to ensure you are not overpaying and you are receiving unbiased advise!
Once a plan is issued, it is guaranteed renewable for life. You own the plan. While rate adjustments occur, the rate cannot change due to a health event or usage of the plan. The plan must adjust the premium for all policyholders of same plan level and type.
The most utilized choices of plans are Plan F, Plan G and Plan N. As of January 2020, those who are new to Medicare are not eligible to enroll in either Plan F or Plan C.
See Any Doctor, No Referrals Are Needed!
With a Medicare Supplement plan, you can see any provider that accepts Medicare. No referrals are needed!
You have freedom of choice to make appointments with the doctors you want to see. What if the physician does not accept Medicare? If that is the case, then you would be responsible for 100% of the cost of seeing that physician. There are more physicians that accept Medicare than those who participate in managed care HMO/PPO Medicare Advantage plans.
Medicare Supplement plans only cover services that are approved by Medicare. The supplemental is secondary to Medicare.
Portable Coverage, Accepted Anywhere!
Medicare Supplement plans are portable and are accepted anywhere in the country that takes Medicare.
Every doctor, nationwide, that accepts Medicare will accept the balance payment from any company’s Medicare Supplement plan. You will never need to verify a doctor accepts a specific Medicare supplement company’s plan. Your only question is: Does the physician accept Medicare? If yes, then Medicare will be the primary payer with your supplement paying the financial gap left over.
What if I go on vacation or move out of my state? Your supplement goes with you!
What Plan Is Best For Me?
Individual needs vary from person to person. We will listen to you. We care about you. Let us help you find the level of coverage that fits your needs and budget.