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Medicare Supplement Plans

Choosing A Medicare Supplement Plan

What is Medicare Supplement insurance?

Medicare Supplement insurance, also known as Med-Supp or Medigap, was created by the federal government and is regulated by state Insurance Departments. It is offered by private insurance companies to cover some of the out-of-pocket costs not covered by Original Medicare

Why do I need a Medicare Supplement insurance policy?

Medicare Supplement insurance policies are purchased to provide extra insurance coverage in addition to Medicare Part A (Hospital) and Part B (Medicare). Original Medicare covers some of the healthcare costs, but not all.

Medicare Supplement plans

Medicare Supplement plans are regulated by the State Department of Insurance and offered by private insurance companies. These plans are separate from Medicare Part A and Part B. Medicare Part A is required coverage and Part B is optional. Medicare Supplements are purchased to provide extra insurance coverage in addition to Medicare Part A and Part B.

Some states require designated Medicare Supplement plans also be available to people under age 65 and eligible for Medicare due to disability (different application forms may be required). Policy benefits are identical for people over or under age 65. Premiums are based on Preferred or Standard, age, sex, State/Area.


Medicare Part A and Part B?

Medicare Part A is hospital insurance. Part A generally covers inpatient hospital stays, skilled nursing care, hospice care, and limited home health-care services. You typically pay a deductible and coinsurance and/or copayments.

Medicare Part B is medical insurance. It generally covers services and items such as Doctor office visits. Preventive services such as certain tests and screenings, Flu shots,  Pneumococcal shots, Mental health care (outpatient), Alcohol use counseling, Chemotherapy, Physical therapy, Diabetes screenings, supplies, and self-management therapy, Durable medical equipment, such as wheelchairs. Part B may cover many different services and items, but certain coverage rules apply.

Why Do I Need This Protection?

Most people lose their healthcare coverage when they retire. Medicare covers some of the healthcare costs, but not all. A single hospital stay can leave you responsible for thousands of dollars. A Medicare Supplement plan would help pay some of the cost. For example, some Medicare Supplement plans cover the Medicare Part A deductible and excess doctor’s charges. Excess doctor’s charges, as defined by Medicare, are charges not approved by that you are still responsible for paying.

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