Medicare Supplemental Plans

Medicare Supplemental Plans

A Medicare supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles.

Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S.
We believes strongly in personalized, evidence-based care that meets the needs of individuals. We recognize that the United States demographic make-up is ever-changing and becoming more diverse, with multicultural populations becoming the predominant driver of population growth.

To serve an increasingly diverse population we are providing culturally and linguistically appropriate programs and services that will result in the best member health plan outcomes possible. Culturally specific programs also help tackle the gaps in the quality of health and health care across racial, ethnic and socioeconomic groups.

10 Things You Need to Know About Medicare Supplement Plans.

medicare-supplement-planesYou must have Medicare Part A and Part B.

medicare-supplement-planesThere are 10 standardized plans lettered A thru N.

medicare-supplement-planesYou can go to any doctors or hospital who accepts Medicare assignment.

medicare-supplement-planesYou can buy a policy from any insurance company that’s licensed in your state to sell one.

medicare-supplement-planesA Medicare Supplement policy only covers one person. If you and your spouse both want coverage, you’ll each have to buy separate policies.

medicare-supplement-planesYou pay the private insurance company a monthly premium for your policy in addition to the monthly Part B premium that you pay to Medicare.

medicare-supplement-planesIf you have a Medicare Advantage Plan (Part C), you can apply for a Medicare Supplement policy, but make sure you can leave the Medicare Advantage Plan before your policy begins.

medicare-supplement-planesAny standardized policy is guaranteed renewable even if you have health problems. This means the insurance company can’t cancel your policy as long as you pay the premium.

medicare-supplement-planesSome policies sold in the past cover prescription drugs, but 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).

medicare-supplement-planesIt’s illegal for anyone to sell you a Medicare Supplement policy if you have a Medicare Medical Savings Account (MSA) Plan.