Medicare Supplement

Medicare is the basic health insurance plan Americans over 65 (and some younger for disability Medicare) rely on for the bulk of their health care needs. However, this care is limited, and Medicare supplemental insurance also known as Medigap is a means of extending coverage and reducing out-of-pocket expenses.

Medicare Supplemental insurance or Medigap comes in 10 standardized Medigap plans. The plans are referred to by letter (Plan A, B, C, D, E, F, G, H, I, J) and vary in both price and coverage. Plan J has the most coverage, and Plan A the least.

Each plan is standardized across the nation. This system makes it very easy to compare policies, because every plan must carry the same coverage, no matter who is selling it. Plan J from one insurer offers identical coverage to Plan J from another insurer, plan A from one is equal to A from another, and so forth. Not every plan is offered in every state.

Coverage includes approved medical expenses for physician services, medical and surgical services and supplies diagnostic tests, and much more. In addition, our C and F plans also cover your Medicare deductibles, co-payments for hospitalization, emergencies while traveling, and skilled nursing care.

Plan Letter	Basic Benefits	Part A Deductible	Skilled Nursing Coinsurance	Part B Deductible	Part B Excess	Foreign Travel Emergency	At Home Recovery	Drug Benefit	Preventive Care
A
B
C
D
E
F*					100%
G					80%
H								$1,250
I					100%			$1,250
J*					100%			$3,000

Medicare Advantage Plans

Medicare Advantage Plans allow you to enjoy a range of benefits with zero or low monthly premiums. You can choose from plans that offer a variety of provider choice to fit your own personal style, including a plan that gives you the freedom to visit any doctor, specialist or hospital. Enjoy predictable out-of-pocket costs, low co-payments, coverage for annual routine physical exams, and savings on prescription drugs! Select from our HMO (Health Maintenance Organization), PFFS (Private Fee-for-Service), PPO (Preferred Provider Organization) and our POS (Point of Service) plans.