Medicare Supplements

getting to know

Medicare Supplements

If you frequently go to hospitals or see doctors, you probably know that Medicare Part A and Part B come with a lot of out-of-pocket costs. You could save money with a Medicare Supplement insurance plan, also called Medigap. These insurance plans fill “gaps” in basic benefits from the original Medicare, such as deductibles, coinsurance, and co-payments.

Medicare Supplements are sold by private companies and offer a variety of plan choices to fit your needs and budget.

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Our licensed insurance agents can answer your Medicare questions and help compare plan options. We’ll be there for you.

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Explore Different Health Insurance Options

There’s a lot to know and understand about Medicare Supplement plans.

We strongly suggest getting a free quote with us so that you may compare plans before deciding which is best suited for you.

For one thing, there are 12 standard Medicare Supplement plans named A through L.

In addition, Medicare Select is a supplemental plan designed to cost less – but it requires you to go to selected doctors and hospitals for your care and it’s not available in all states.

Medicare Supplement plans fill in the gaps with various healthcare benefits with variable prices.

Keep in mind that all Medicare Supplement plans must cover basic benefits, but the benefits differ. For example, some plans may include deductibles and coinsurance while other plans cover some home health care and prescription drugs.

Here’s more specific information.

Medicare Supplements do not cover:

Long-term care to help you bathe, dress, eat or use the bathroom
Vision or Dental Care
Hearing Aids
All Prescription Drugs
Private-Duty Nursing
Medicare Supplement Basic Benefits

The Basic Benefits

Medicare Supplement A is the most basic plan. Each Medicare Supplement policy must offer its most basic benefits.

MEDICARE PART A

Once you have paid your hospital deductible – original Medicare pays
all of your hospital care costs for up to 60 days in a benefit period.
If you decide to stay on the plan for more than 60 days – you are
required to pay 2012 rate per day for days 61 through 90. For days 91
through 150 the cost will be $512 throughout 2012.

All 10 supplemental plans cover your costs for days 61 through 150.
In addition, once you use 150 days of Medicare hospital benefits, all
Medicare Supplemental plans cover 365 more hospital days in your
lifetime.

Benefit periods begin the day you go to the hospital and ends when
you have been out of the hospital for 60 consecutive days. If you were
to go to the hospital again after the 60th day, you would have started a
new benefit period.

MEDICARE PART B

Once you pay your yearly Part B deductible, Medicare generally pays 80% of doctor and other medical services. It pays 50% of mental health services.

Every Medicare Supplement plan covers your share of these services such as 20% of Medicare approved doctor services and 50% for mental health services. Medicare approves the payment amount of reasonable health care services.

Medicare does not cover the first 3 pints of blood you need each year. Every Medicare Supplemental plans cover these 3 pints of blood you require each year – Medicare will then pay for any additional blood.

MEDICARE SUPPLEMENT ADDITIONAL BENEFITS

Medicare Supplement Plan A (as well as Plan B through J) covers only the basic benefits – for some, this is all they need, for others, they may want to have additional supplemental coverage with Plans B through J.

At a higher monthly cost, you can purchase a Medicare Policy with the following additional benefits:

Medicare Part A Hospital Deductible
Skilled Nursing Home Costs
Medicare Part B Deductible
Medicare Part B Excess Charges
Foreign Travel Emergency
At Home Recovery
Preventive Care

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April 14, 2024

If you are in the original Medicare Plan, you may want to buy Medicare Supplement health care insurance, also called Medigap. This plans help you pay for uncovered health care. If you currently have a Medicare Advantage plan such as a Medicare HMO you will not need to purchase a supplemental insurance policy. All Medicare Supplements are sold by private companies and offer a variety of plan choices to fit your needs and budget. There are twelve standard Medicare Supplement plans named A through L suited to fit your needs. Please use the chart on the right labeled “Comparison of Medicare Supplements” for an easier understanding of plans A through L. Please note that some supplemental health care companies offer a “high deductible option” on plan F.

Medicare Select is an additional supplemental plan designed to cost less – however it requires you to go to selected doctors and hospitals for your care and it is not available in all states – for more information on Medicare Select, please give us a call at.

A Medicare Supplement fills in the gaps with various healthcare benefits with variable prices. Keep in mind that all Medicare Supplement plans must cover basic benefits.

Several states may have different standards of Medicare Supplemental healthcare, such as Massachusetts, Minnesota and Wisconsin. Check with your state insurance department for guidelines for people with Medicare.

All Medicare plans with the same letter designation cover the same benefits – no matter what carrier is offering it. For example, all plan F policies cover up to part B excess chargers. The premium may vary from carrier to carrier.

We strongly suggest running a free quote on our website so that you may compare plans before deciding which is best suited for you. Every Medicare Supplement policy offers different benefits. For example, some plans may include deductibles and coinsurance while other plans cover some home health care and prescription drugs.

A deductible is the amount you pay for health care before Medicare begins to pay while coinsurance covers the amount you pay for your care, after you pay the deductible.

Medicare Supplements does not cover:

Long-term care to help you bathe, dress, eat or use the bathroom
Vision or Dental Care
Hearing Aids
All Prescription Drugs
Private-Duty Nursing
Medicare Supplement Basic Benefits

The Basic Benefits

Medicare Supplement A is the most basic plan. Each Medicare Supplement policy must offer its most basic benefits.

MEDICARE PART A

Once you have paid your hospital deductible – original Medicare pays all of your hospital care costs for up to 60 days in a benefit period. If you decide to stay on the plan for more than 60 days – you are required to pay 2012 rate per day for days 61 through 90. For days 91 through 150 the cost will be $512 throughout 2012.

All 10 supplemental plans cover your costs for days 61 through 150. In addition, once you use 150 days of Medicare hospital benefits, all Medicare Supplemental plans cover 365 more hospital days in your lifetime.

Benefit periods begin the day you go to the hospital and ends when you have been out of the hospital for 60 consecutive days. If you were to go to the hospital again after the 60th day, you would have started a new benefit period.

MEDICARE PART B

Once you pay your yearly Part B deductible, Medicare generally pays 80% of doctor and other medical services. It pays 50% of mental health services.

MEDICARE SUPPLEMENT ADDITIONAL BENEFITS

At a higher monthly cost, you can purchase a Medicare Policy with the following additional benefits:

Medicare Part A Hospital Deductible
Skilled Nursing Home Costs
Medicare Part B Deductible
Medicare Part B Excess Charges
Foreign Travel Emergency
At Home Recovery
Preventive Care

Medicare Supplements