Aging In

Medicare supplements plans are for medicare beneficiaries who want flexibility and fixed costs for their health plan.  A Medicare Supplement isnurance policy helps you manage and budget your health care expenses.

Filling in the gaps

Medicare provides beneifical cover for health related expenses, but it does not cover all health care expenses.  There are a number of gaps in Medicare coverage that you either pay for out of pocket or with private insurance.  A Medicare Supplement insurance policy is a health insurance policy (also called Medigap) sold by a private insurance company to help fill in those gaps. 

Know Your Options

Although private insurance companies provide Medicare Supplement coverage, Medicare Supplement insurance plans are strictly regulated by both federal and state government.  Make an informed choice about what is right for you.  Before you purchase a plan, make sure you understand what your Medicare coverage includes, then choose a Medicare Supplement plan that best fits your needs.   

Take Care of Yourself

A Medicare insurance policy helps you manage and budget your health care expenses with predicatability and stability.  Unexpected medical expenses can put your savings at risk.  A Medicare Supplement insurance policy helps provide financial security and peace of mind - helps you pay the out-of-pocket costs for Medicare approved services and works hand-in-hand with Medicare to provide more insurance coverage. 

No Restrictive Networks

A Medicare Supplement insurance policy has no restrictive networks (as long as the provider accepts Medicare insurance), you can visit the physicians of your choice, and you have freedom when choosing a health care provider, including specialists and specialty hospitals.  With automatic claims filing by most providers, you have less things to worry about.

Medicare Advantage plans are different in every area, and act just like the insurance plans you had when you were working.  A medicare advantage plan can be either an HMO or PPO, and may have different monthly premiums, copays, and co-insurance.  In addition, there are specific rules about when you may enroll in such a plan.

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Medicare Advantage plans change every year.  Check here to see what the latest rules are regarding how medicare advantage plans are administered.  

Medicare Supplement plans are also known as medi-gap plans.  They cover the gap between what original Medicare pays, and the remaining fees that you would pay.  

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Special Enrollment Periods

If you have recently moved, or have started to receive low income assistance, or are on Medicaid and Medicare - contact us to see if your special situation allows you to add/change plans throughout the year.  Otherwise, the regular open enrollment for Medicare Advantage plans is from October 15- December 7 of each year.  However, you may enroll in a Medicare Supplement all year long!  Contact us with any questions.

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