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Medicare Supplement Plans

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Medicare Supplement Insurance (also called a "Medigap Policy") is private health insurance that is designed to supplement Original Medicare.  This means it helps pay some of the health care costs (or "gaps") that Original Medicare doesn't cover (like copayments, coinsurance, and deductibles).  If you have Original Medicare and a Medigap policy, Medicare will pay its share of the Medicare-approved amounts for covered health care costs.  Then your Medigap policy pays its share.

Every Medicare Supplement policy must follow Federal and State laws designed to protect you, and the policy must be clearly identified as "Medicare Supplement Insurance".  Medicare Supplement policies are identified by letters "A" through "N" and are "standardized".  Each standardized Medicare Supplement policy must offer the same benefits, no matter which insurance company sells it.  Plan "F" is Plan "F".  The plan premium is usually the only difference between policies with the same letter sold by different insurance companies.

Some things Medicare Supplement policies don't cover:

When is the best time to buy a Medicare Supplement policy?

The best time to buy a Medigap policy is during your Medicare Supplement open enrollment / Guaranteed Issue period.  This period lasts for 6 months and begins on the first day of the month in which you're both, 65 or older and enrolled in Medicare Part B.

What is SELECT C / F or High Deductible F?

Medicare SELECT and High Deductible F are Modified Medicare Supplement policies sold in some states that requires you to pay a deductible first or use hospitals and, in some cases, doctors within its network to be eligible for full insurance benefits (except in an emergency).  These policies generally cost less than other Medigap policies.

Many people also mistakenly believe that it is less expensive to go direct to the company to get the best price.  This is a myth.  It is illegal for a Broker to charge more than the insurance company for the same coverage.  The opposite is also true.  You don't pay the broker either, they are paid by the insurance company.  Doesn't it simply make sense to use FREE expert help for a decision this important?

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