Medicare Supplement Insurance Benefits

Medicare Supplement plans cover costs that are not paid by Medicare, such as co-pays, deductibles, and other gaps in coverage due to limitations. With the ever rising costs of health care, it is important to understand these limitations.

choosing medigap insurance plans

Get your copy of Choosing a Medigap Policy, published by the Centers for Medicare and Medicaid Services (CMS).
This free guide explains what a Medicare Supplement policy is, what policies cover, your right to buy a policy, and considerations if switching Medigap insurance policies.

Open Enrollment Period for Supplemental Medicare Insurance

You have the right to purchase the Medicare Supplement insurance plan of your choice during your open enrollment period. It is important to note that your Medigap insurance open enrollment period lasts for six months. It starts on the first day of the month in which you are both age 65 or older and enrolled in Medicare Part B. More Information.

Compare Medicare Supplement Insurance Options

With recent changes to Medicare, you now have more healthcare choices than ever before. Once eligible, you can choose to receive coverage through the original Medicare program only; or apply for a Medicare Supplement Insurance Plan (Medigap Plan) to fill in the gaps in Medicare's coverage, such as co-pays and deductibles for hospitalization and doctor's visits. You have a choice of supplemental plans offering comprehensive coverage, so you can see any doctor, and there are usually few if any extra out-of-pocket expenses.

Which Medigap Insurance Plan is Right for Me?

The staff at Medicare Solutions is available to assist you with the ABC's of Medicare Supplement Insurance. Medicare has approved 10 standard supplement plans (A through N), plus additional high deductible plans. A thorough understanding of your options will allow you to choose the Medigap plan that best meets your needs and budget. More Information.

Standardized Medicare Supplement Insurance

To help consumers understand and compare Medicare Supplement insurance plans (Medigap plans), the 10 available policies were standardized by the National Association of Insurance Commissioners (NAIC). These standards can be found in NAIC's Medicare Supplement Insurance Minimum Standards Model Act. The 10 Medigap plans have letter designations ranging from A to N, each with a set of basic and extra benefits. The combination of benefits in each plan may not be altered by insurers, nor may the letter designations be changed. Three states - Massachusetts, Minnesota, and Wisconsin are referred to as waiver states because they are permitted by statute to have different standardized Medigap plans.

Compare Medigap Insurance Rates from Top Rated Companies and Save Up to 60% on Premiums

Since Medigap Insurance Plans are standardized, comparison between companies' rates is greatly simplified. Find out if you are paying too much for Medicare Supplement Insurance by completing the Medigap Comparison Request form, or call us to speak with a specialist who can assist you.