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Medicare Supplement Insurance Plans

Current and incoming Medicare beneficiaries should be aware of Medicare Supplement Insurance plans and how this type of insurance can be beneficial. Also known as “Medigap,” these optional plans are designed to provide some additional coverage on top of what Medicare already covers.

Here are some frequently asked questions related to Medicare Supplement Insurance plans.

How Many Medicare Supplement Insurance Plans Are There?

There are 10 Medigap plans that may be used to supplement Original Medicare. They are identified using the following labels: A, B, C, D, F, G, K, L, M and N. 

Chart showing Medigap plan benefits in 2019

What Do they Cover?

Medicare enrollees face out-of-pocket expenses in a number of areas. Medigap plans provide coverage in nine of these areas and each plan offers a different combination of basic benefits. The nine coverage gaps of Medicare that may be covered by a Medicare Supplement Insurance plan include:

  • Medicare Part A coinsurance and hospital costs
  • Medicare Part B coinsurance or copayments
  • First three pints of blood needed for a transfusion
  • Hospice care copayment or coinsurance
  • Skilled nursing facility care coinsurance
  • Medicare Part A deductible
  • Medicare Part B deductible
  • Medicare Part B excess charges
  • Foreign travel emergency care

This Medigap comparison chart outlines what each Medigap plan covers.

How Much Do Medigap Plans Cost?

While Original Medicare is standardized by the federal government, Medicare Supplement Insurance plans are sold by private insurance companies. This means that the cost of Medigap plans can vary from one insurance provider to the next. Plus, there are state laws that prevent the sale of certain Medigap plans in certain states. To learn which plans are available in your area, call 888-264-0148.

How Do I Choose a Plan?

The number and variety of Medicare Supplement Insurance plans affords you the flexibility to choose a plan that suits your health care needs. If you have already been receiving Medicare benefits, it’s a good idea to examine your health care bills and identify the areas where you have been incurring out-of-pocket expenses. You may then look for a Medicare Supplement Insurance plan that offers coverage in these areas.

If you are new to Medicare, go over your medical bills from recent years and try to forecast where your future out-of-pocket costs may surface under Medicare. This will help you identify which supplement plan may suit your needs.

Call us at 888-264-0148. Our licensed agents can help you determine which Medigap plan will be the right fit for your health care needs and your budget alike.

When Can I Sign Up for a Medigap Plan?

Just as there are certain times in which it is more beneficial than others to enroll in Medicare, there are also periods during which it is ideal to sign up for a Medicare Supplement Insurance plan. The Medigap open enrollment period is a six-month window that begins when both of the following are true:

  1. You are at least 65 years old
  2. You are enrolled in Medicare Part B

You only get one open enrollment period for Medigap. When you sign up for a Medicare Supplement Insurance plan during this time, insurance companies cannot deny you coverage or charge you more for a plan because of any health conditions. You are also allowed to switch plans before the six-month window closes if you are unhappy with your initial plan selection.

However, if you wait until after your open enrollment period, you may be subject to medical underwriting. This means you could be charged more for your plan based on your current health status or even denied coverage altogether. That’s why it’s important to apply for a Medigap plan as soon as possible.

Have questions about Medicare Supplement Insurance plans? Want to compare quotes in your area at no cost to you? Call 888-264-0148 to speak with a licensed agent today.

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