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.

We’ll Advocate For You On Health Insurance

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

What our clients are saying

Eryca & Natali were exceptionally helpful. With this being my first time ever having to do this with never being taught they made the process smooth and less stresssful. They are very professional and I would definitely recommend them.

Jay
November 14, 2023

KIG WAS amazing, super helpful, answered all of my questions and got back to me in a timely manner. Anthony was my agent- the best the have. Highly recommend working with Anthony. Hes timely, responsive, respectful, and makes sure you truly understand your plan. Thank you KIG!

Amanda Landers
October 20, 2023

Eryca is Always happy to help me out with anything ..she’s made things for me so much easier..

Frankie Irizarry
October 20, 2023
I have only had the best experiences with this insurance group.

Marissa Helman
October 20, 2023

Great insurance office great ppl very helpful

Asi Loloi
October 20, 2023

We found out we’re expecting and they helped us get the insurance and went the distance to find accepting doctors in our area! Highly recommended, made a stressful scenario go by with ease!

dean albright
August 20, 2023
My agent Crystal Middleton is a Godsend. She has helped me thru all my paperwork. Were it not for her I would be totally lost.Thank you for everything Crystal God Bless You...

Charles Burton
July 20, 2023

Eryca was amazing and so much help a special thank you to her she was so patient especially because my English is no good great communication skills I really appreciate her -Hagit mamia

Baking with
July 20, 2023

Excellent service. Crystal is very knowledgeable, professional & personable. All my options were explained & all my questions answered. I have and will continue to refer friends and family.

Pietrina Pensabene
July 20, 2023

Medicare Supplements