Let us help you with the process of picking a Medigap plan. Medigap policies are sold by private companies. We can review all medicare supplement options in your zip code to help you find the best plan for your situation while keeping your costs low for the long haul. Yup rates change each year! So whether you are new to Medicare ( turning 65) or have been on Medicare for a while it’s always great to review your options. In some cases you can save yourself  money by decreasing your premium if you qualify! We recommend our clients review options at least once every one or two years.

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A Medicare Supplement Insurance (Medigap) policy helps pay some of the health care costs that Original Medicare doesn’t cover, like:

  • Copayments
  • Coinsurance
  • Deductibles

Some Medigap policies also cover services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare Part A and Part B you buy a Medigap policy, here’s what happens:

  • Medicare will pay its share of the Medicare-approved amount for covered health care costs.
  • Then, your Medigap policy pays its share.

8 things to know about Medigap policies 

  1. You must have Medicare Part A and Part B.
  2. A Medigap policy is different from a Medicare Advantage Plan.  Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.
  3. You pay the private insurance company a monthly premium for your Medigap policy. You pay this monthly premium in addition to the monthly Part B premium that you pay to Medicare.
  4. A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you’ll each have to buy separate policies.
  5. You can buy a Medigap policy from any insurance company that’s licensed in your state to sell one.
  6. Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can’t cancel your Medigap policy as long as you pay the premium.
  7. Some Medigap policies sold in the past cover prescription drugs. But, Medigap policies sold after January 1, 2006 aren’t allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D).
  8. It’s illegal for anyone to sell you a Medigap policy if you have a Medicare Advantage Plan, unless you’re switching back to Original Medicare.

When to buy a Medigap Plan?

  •  The best time to buy a Medigap policy is during your Medigap Open
    Enrollment Period. This 6-month period begins on the first day of the
    month in which you’re 65 or older and enrolled in Part B. (Some states
    have additional Open Enrollment Periods.) After this enrollment period,
    you may not be able to buy a Medigap policy. If you’re able to buy one,
    it may cost more.
  •  If you delay enrolling in Part B because you have group health coverage
    based on your (or your spouse’s) current employment, your Medigap Open
    Enrollment Period won’t start until you sign up for Part B.

Medigap policies don’t cover everything

Medigap policies generally don’t cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing. If you want coverage for these Medical needs Please let us know. We may have options available to choose from if you qualify.