Medicare Supplement Plans 101

What is a Medicare Supplement Plan?

Medicare supplement plans (also called Medigap) are private health insurance
specifically designed to supplement and only work with Original Medicare.

They are sold by private Insurance companies.
Generally, beneficiaries must have Medicare Part A and Part B to buy a Medicare
Supplement plan.

Medicare supplement plans will help you pay some of the cost that are
not covered my Original Medicare like coinsurance, co-payments and deductibles.
They may also cover certain medical services Medicare doesn't cover.

Medicare supplement plans are identified by letters (such as Plan F) except in
Massachusetts, Minnesota and Wisconsin.

Each Insurance Company that sells Medicare supplement plans must offer the same
basic benefits and also must follow federal and state laws. There are a number of different
Medigap policies and not all insurance companies sell all policies and their premiums vary.
So when you are choosing a Medicare Supplement policy ask yourself these questions so you can
make an informed decision:

  > What does your budget allow for a Medicare Supplement plan?

  > What benefits do you need?

  > How does the premium for the plan you are considering stack up against other comparable plans?

  > What waiting periods apply to pre-existing conditions? Do you have other coverage for these
    conditions during that time?

Please contact are agency for your Medicare Supplement questions. We cover Southern California, counties of Riverside, San Bernardino and surrounding area's. We also cover Nevada and all of Utah. Please visit us online at Medicareplansdirect.net or call 760-413-9749

Tom Caress
Medicareplansdirect.net
760-413-9749