Instant Medicare Supplemental Insurance Quotes

Receive no-hassle medicare quotes in less than 2 minutes.

Medicare Supplement Plans - Medigap Plans

Medicare Supplement Insurance Plans also known as Medigap Plans Provide the Best and Most Comprehenhive Coverages Including:

  • No Out-Of-Pocket Costs.
  • No Co-Payments for Doctors.
  • No Referrals Necessary.
  • No Deductibles for Hospitals.
  • Choice of Any Doctor, Any Hospital, Any Medical Facility that accepts Medicare Anywhere in the United States.
  • Coverage is Guaranteed Renewable which means your coverage cannot be denied as long as you continue to pay the premiums each year.
  • Coverage goes with you when traveling, moving or selecting a doctor anywhere in the United States.
  • Ask us about Medigap Plan F if you just want the best, most comprehensive healthcare plan.

A Medicare supplement insurance plan helps cover the “gaps” in coverage that are left unpaid after original Medicare pays its portion of your health care expenses.  For this reason, these plans are often referred to as Medigap plans, Medicare Supplemental Insurance or Med Supp.   Medicare Supplement plan and Medigap plan are synonymous and will be used interchangeably in discussion.

Medicare has been standardized into ten plans labeled A through N, each with its own set of benefits.  Medicare Supplement policies are sold by private insurance companies.  While the costs of these policies may vary, individual insurance companies must provide identical benefits as outlined by law.  In order to enroll in a Medigap Plan, you must be enrolled in Medicare Part A and Part B or intend to enroll in Part A and B soon.  Most insurers will accept applications for you Medigap policy as long as your application is submitted not much more than 2 months before your enrollment in Medicare Part B.

Medicare Supplement policies allow you to choose any doctor and any hospital anywhere in the USA. Unlike HMO's, you do not need a referral or pre-authorization to see a doctor or to be admitted to a particular hospital.  Medicare supplements allow you to be in charge of your health care.  This is especially important for those coming into open enrollment that may already have health problems.  During open enrollment, you can enroll in a Medicare Supplement plan without having to answer heath questions.  Medicare Supplement policies currently being offered cannot be cancelled by the insurance company based on your personal claims experience - unless you stop paying your premiums. 

Most companies offering Medicare Supplement Insurance have automatic claims filing. That means you do not have to worry about filing a claim with Medicare or your insurance company.  With Medicare supplement claims, your doctor submits an approved medicare service bill to medicare, medicare approves the claim, pays its portion to the doctor, then Medicare submits the remaining portion for payment to the insurance company.  The insurance company pays the doctor. 

The Medigap Plans are listed below.  Most of the plans have out-of-pocket expenses that result from 2 deductibles called Part A Hospital Deductible and Part B Doctors Deductible.   Plans K and L have higher out-of-pocket expenses on an annual basis but at least you have plans where you get to choose any doctor and hospital that accepts medicare.  If Medicare does not approve your medical claim, then call us and we will help to resolve it for you.

Medicare Part A Deductible ($1,132 in 2011)
Medicare Part B Deductible  ($162 in 2011)

Medicare has an annual deductible of $162.00 for Part B charges. Some policies pay this deductible but you may pay more than $162.00 in additional premium each year if you select a policy that provides this benefit.

Typically Medicare does not pay for routine Nursing Home Care.  Care for those that cannot perform routine activities of daily living falls under long term care insurance.  Be sure you thoroughly understand the Skilled Nursing Benefit in Part A of Medicare.

Check with your doctors to see if they "Accept Assignment" before purchasing a Medicare Supplement Policy.  If all of your doctors "Accept Assignment" you may not need to spend the extra money for Plans that pay for Excess Charges.  See FAQ page for more information.

Anyone that currently has a Medicare Supplement policy and is looking to lower their premiums with the same or lesser benefits then there cannot be a waiting period imposed for pre-existing conditions.  You may, however, have to answer health questions on the application.  If you cannot answer the questions successfully the company will not issue the policy.