As you know, Medicare is changing at a rate faster than ever before and with that benefits and what is covered, deductibles and copays are changing too. Having Medicare Supplement Insurance is important to cover those additional costs and prevent greater out-of pocket expenses. We partner with all major Medicare Supplement carriers and can help insure you get the plan through the carrier that is at the best cost for you. We also provide unbiased resources you can contact to ask questions and get clarification on all things Medicare related.
Medicare Supplement Insurance is a policy provided by a private insurance company that fills the gaps in coverage that your basic Medicare Part A and Medicare Part B plans do not cover. Medicare Part A and B, while covering close to 80% of your medical bills and expenses, certainly does not cover all costs. There are gaps in the coverage and that is why a Medicare Supplement Insurance plan, sometimes called a Medigap policy, is recommended. As the term Medigap implies, this coverage is designed to cover just that, the gaps that Medicare Part A and B do not pick up. Examples of what Medicare Supplement policies may cover could be both deductibles and/or co-pays. As people age and are in their Medicare years, these expenses can add up and lead to a financial headache if not covered properly.
All Medicare Supplement policies are the same regardless of carrier. Carriers, however, can choose which policies they wish to carry but, again, cannot alter these policies so you want to be sure you work with an agent that has access to a variety of carriers so that you are certain you get the best plan for you at the best cost!