Category Archives: Medicare Supplemental Insurance Plans

Medicare Supplemental Insurance in New York

People who have sought Medicare for their family would be aware of its potential prospects and its benefits. They would be taking adequate steps in making sure that they go for Medicare as soon as possible in their lives since this is one effective way to save money on healthcare expenses. There are two Plans of Medicare- Plan A and Plan B and both have undeniably important roles to play.

Still, there may be clauses that Medicare might not be covered in these two plans, and this is why today there is a plethora of Medicare supplemental insurance in New York. These policies are available locally in each state, and their clauses and premiums would vary too. Yet, these supplemental insurance policies are in great demand by those who are nearing sixties or in their mid-sixties. We shall now check on the areas that Medicare cover and the ones that require Medicare supplemental insurance.

What are the areas that Medicare plans usually cover?

Medicare Plan A would cover hospitalization, nursing and even home health care services cost. This you would get automatically if you have Medicare Plan A. Plan B is for covering doctor bills, and for purchasing regular medical supplies. Plan A would work without your monthly premium while Plan B would require you to pay the monthly premium. There is no necessity for you to select both the plans compulsorily at all. Many organizations, public and private encourage their staff to go for these but there are certain areas, which do not cover under these two plans. That is why today Medigap plans or Medicare supplemental insurance in New York has come up to fill in the void.

What are the areas that Medicare plans do not cover?

From custodial long-term care to eye related, dental related examinations and cosmetic surgeries, acupuncture, hearing aids and even foot related ailments do not fall under any of the two plans. Medigap or Medicare Supplemental plans come in here offering 10 standardized plans. These plans are lettered as A, B, C, D, F, G, K, L, M and N. People, who have crossed the age of 65, and eligible for Social Security or Railroad Retirement benefits, are also qualified for these Medigap plans.

Further, those who are at the end stage of the renal disease also are eligible to get the Medigap plans. However, from Medicare itself, you would be able to get an information booklet where all the details and further FAQ’s would be there to answer even other queries.

Selecting the right Medicare Supplement Plans

From the Medicare’s official website itself, one can get the names of the popular Medicare supplemental insurance in New York and they can pick the right one from here. While a few people might take time and read through individually all the policies, many others might simply prefer to compare the plans and then opt. Yes, right under the heading of “Supplements and Other Insurance” one would be capable to get “How to Compare Medigap Policies”. This would be able to offer detailed comparisons between all the policies in your state.

Learn more about New York Medicare Supplemental Insurance rates, plans, and more at http://www.emedicare-supplemental-insurance.com/New York-medicare-supplement-plans.  Our New York Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in New York.  To talk to an expert in New York Medicare coverage toll free 877-202-9248 today!

Healthy Eating Tips for Senior Citizens

When we get older our bodies have different dietary demands. You can’t eat like your 30’s or even 40’s anymore and a lot of people know this but never change their eating habits. Eating healthy can be a challenge, but our bodies count on us to nourish them. Over the past decade food has also changed. With unknown additives and sugar alternatives, some seniors don’t know that these additives can be dangerous. Here are a few tips that not only work well for senior citizens but for a majority of people.

Eat Local Organic Produce.

A bonus to going out to your local farmers market allows you to meet new people and get a little exercise. The main thing is to buy locally grown, organic produce. Farmer markets are usually cheaper and better quality produce then big brick and mortar stores. Another thing about buying from the market is it allows you to ask questions about the produce that you couldn’t from a retailer.

Don’t have an aptitude?

If you are having issues eating, or don’t like certain foods any more a great way to overcome this is to dine with friends or family. See what your friends or family wants to eat and try new things. You could even have them cook for you on certain days. If you are concerned about losing weight or can’t eat very well, it might be time to talk to your physician or doctor. Let someone know if you have issues eating.

Need Help Grocery Shopping?

If you can’t seem to get to the grocery store, ask a family member for help! If that is not possible, you can ask the grocery store for help, or maybe people from church. Church’s have volunteers that will be happy to assist you! Just remember to give them a list of grocery’s you need and keep it healthy.

Learn more about Medicare Supplemental Insurance plans, rates and more at http://www.emedicare-supplemental-insurance.com.  Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans.  To talk to an expert in Medicare coverage toll free 877-202-9248 today!

Introduction to Medicare Supplement Insurance in New York

If for one reason or another, you end up without access to group insurance coverage through an employer, all is not lost. You have the option to purchase an individual health policy from a private insurance company. Although individual medical insurance may be expensive, it’s worth investigating the options.

Coverage availability and premiums will vary from state to state. It may depend on whether or not your particular state has enacted laws that prohibit the rate modification based on your medical condition.

For instance, the state of New York, health insurers that offer individual health coverage may not turn down a candidate because of poor health. Nor can they base their premiums on factors such as gender, occupation, age or health status. New York enjoys what is called community rating. Premiums are based on how many individuals in the family and in what part of the state you live.

Choosing a new health plan isn’t easy. There is no one plan that fits everyone. The best health plan for you may not be the best for someone else. In order to find a health insurance plan that fits you and your budget, you can access instant quotes and health plans online.

New York Health Insurance Plans

Are you looking for just the basics or a more comprehensive health plan? A basic plan covers you for hospitalization and surgery in case of major accident or sickness. These plans typically have a lower price tag than those with more comprehensive coverage.

Many basic plans can be customized by adding on extra benefits such as preventative care, doctor visits, prescription drugs, maternity, small accident or injury, and routine office visits.

By comparing several health insurance plans you can get a good idea of what’s available to you. If you don’t require much medical care, an (HDHP) High Deductible Health Plan may be a good choice for you. These plans allow you to choose a deductible from $500 to over $5000. A higher deductible will get you a lower monthly premium for medical coverage.

New York Free Instant Health Insurance Quotes

Learn more about New York Medicare Supplemental Insurance plans, rates and more at http://emedicare-supplemental-insurance.com/New-York-medicare-supplement-plans. Our New York Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in New York.  To talk to an expert in New York Medicare coverage toll free 888.404.5049 today!

Medicare Supplement Insurance – What, Why and Who?

The main idea behind Medicare supplement insurance was to offer extra coverage above and beyond regular Medical care parts A & B for qualified people aged 65 and above or folks on disability under the age of 65.

Medicare Parts A & B are really good coverage on their own.

Part A helps pay for medical services while confined in a hospital setting and covers 80% of those services after a deductible is met ($1132 in 2011). The deductible is a “per benefit period” deductible which in most cases means you’ll have to meet the deductible each time you have a hospital stay.

Medicare Part B helps pay for your outpatient medical services. This would include things like primary care and specialist physicians and lab work, x-rays, outpatient surgeries, emergency room visits, and most other medical services in which you don’t have to spend the night in a facility. This works like Part A in that you have a deductible ($162 in 2011) and then Medicare pays 80% of most services. The part B deductible, however, is an annual deductible and only needs to be met once per calendar year. Medicare also has something called excess charges which allow a doctor to charge up to 15% over Medicare’s rates.

What is Medicare Supplement Insurance? This insurance is private coverage that picks up those gaps in coverage left by Medicare and is therefore often called “Medigap” or “Gap insurance”. So, these plans can cover all, or some, of the deductible, coinsurance, and excess charge gaps in regular Medicare.

Why should I buy Medicare supplement insurance? Although it’s not necessary to buy this type of insurance, it can be a very valuable policy in helping protect your assets and also lends a significant amount of “peace of mind” that you won’t be hit with major medical bills. It has been noted that about half of all bankruptcy is related to a person’s inability to pay for medical services received. Medicare supplement insurance can help you avoid that situation.

Who should I buy Medicare supplement insurance from? The great thing about Medicare Supplement Insurance is that they are standardized. So, once you identify which plan is best for you, you can shop the market to see who can offer the best rates.

You can pretty much feel comfortable going with whoever is offering the best rate for the plan you feel most comfortable with. You might use the services of a Medicare supplement insurance agency to identify the rates from several companies and maybe get some experienced details on which companies might be better for the long term.

Shopping for Medicare supplemental insurance can be tough, that’s why we have made a ton of information available to you. Our main website http://www.emedicare-supplemental-insurance.com is a good place to start with not too much information that won’t overwhelm you. After that you can move on to our blog that has a ton of information like general Medicare information to state specific supplemental information. If you are still wondering or just would like to talk to some one you can call us directly at 888-404-5049.

Hоw Does Mеdісаrе Suррlеmеntаl Plаnѕ Affесt Mе

Mеdісаrе Suррlеmеnt Plans аrе utіlіzеd tо support hеаlth саrе соѕtѕ whісh are nоt соvеrеd bу the original Medicare plan. Thе соvеrаgе costs can vеrу a bіt frоm company tо соmраnу and wіth dіffеrеnt рlаnѕ ѕіnсе thе dіffеrеnt оrgаnіzаtіоnѕ charge many different рrеmіumѕ. Thіѕ іnѕurаnсе аlѕо hеlрѕ wіth со-рауmеntѕ аnd dеduсtіblеѕ. Seniors who аrе enrolled іn a Mеdісаrе Benefit Plan do not ԛuаlіfу fоr a Mеdісаrе Supplement Plаn. All Mеdісаrе ѕuррlеmеnt policies ѕhоuld bе сlеаrlу іdеntіfіеd as such. Thеѕе policies are rеԛuіrеd tо hаvе соmраrаblе if not іdеntісаl bеnеfіtѕ.

Advаntаgеѕ lіkе long-term care, eyeglasses, dеntаl саrе, еtс. Arе nоt covered bу these роlісіеѕ. The іnѕurаnсе providers may well determine whісh tуреѕ of policies thеу sell but ѕtаtе lаwѕ affect the policies whісh are оffеrеd. Oссаѕіоnаllу, insurance рrоvіdеrѕ ought tо ѕеll уоu a роlісу rеgаrdlеѕѕ of аnу hеаlth dіffісultіеѕ уоu’vе gоt раrtісulаrlу іf уоu are mаkіng аррlісаtіоn throughout ореn еnrоllmеnt. At tіmеѕ other thаn ореn enrollment, thе insurance оrgаnіzаtіоn саn refuse tо problem уоu a роlісу whеn уоu have рrееxіѕtіng соndіtіоnѕ. Simply bесаuѕе a lоt of people tоdау hаvе mеdісаl іѕѕuеѕ, the very best tіmе to buу a policy іѕ during ореn еnrоllmеnt..

Yоu will, аѕ a result, basically bе wаѕtіng уоur tіmе bу attempting to fіnd рlаnѕ vіа these websites. Evеn though thеу mау possibly put оn the frоnt аnd арреаr to be hеlріng you generate рlаnѕ, the primary оbjесtіvе wоuld bе tо simply gаthеr together your іnfо. Thіѕ will then be sold оn аnd you’ll еnd uр being bоmbаrdеd bу рrоmоtіоnѕ frоm оthеr corporations. Thіѕ, іn turn, bаѕісаllу makes thе entire рrосеѕѕ еvеn far mоrе іrrіtаtіng and frustrating.

So thаt уоu саn kеер аwау frоm the ѕіtuаtіоn уоu соnѕеԛuеntlу nееd to have tо take ѕеvеrаl асtіоnѕ. It іѕ сrіtісаl fоr уоu tо mаkе ѕurе that аnу рrоvіdеr that you deal wіth is a fully licensed brоkеr who іѕ rеаllу ѕеllіng іnѕurаnсе. You’ll find a соuрlе оf tесhnіԛuеѕ іn whісh уоu саn tell whether or not this is thе саѕе. Fіrѕt of all thеу’ll vіrtuаllу соnѕtаntlу hаvе a toll frее numbеr thаt іt іѕ роѕѕіblе tо саll. Sесоnd of all, thеу wіll рrоmіѕе thаt thе data that уоu рrоvіdе wіll nеvеr be passed оn tо a thіrd party.

Tо bе able tо uncover thе most еffесtіvе Mеdісаrе Supplement Plаnѕ, соnѕеԛuеntlу, уоu’ll want tо tаkе bеnеfіt оf аn аgеnt аѕ thеу will bе іn the mоѕt beneficial feasible position tо lосаtе the most effective feasible роlісіеѕ thаt wіll bе ѕuіtаblе for you. Typically thіѕ is a muсh fаr better ѕеlесtіоn thаn gоіng ѕtrаіght tо a huge fіrm and via аn іndереndеnt brоkеr уоu may be аblе to fіnd thе very best alternatives оbtаіnаblе.

Whіlе соvеrаgе аnd соѕt оught tо bе significantly thе same from рrоvіdеr to рrоvіdеr, сеrtаіn thіngѕ саn change. Most noticeably іѕ thе flexibility of a plan tо аdарt tо lіfе’ѕ ups and dоwnѕ and, take оn еxtrа еxреnѕе. Idеаllу, a plan ought tо ѕuррlу as muсh flеxіbіlіtу аѕ роѕѕіblе, thоugh іt’ѕ wоrth mеntіоnіng that thе рrеmіumѕ wіll lіkеlу bе higher fоr thіѕ рrіvіlеgе.

Onсе a Mеdіgар рlаn hаѕ bееn dесіdеd uроn, іt’ll bе рrеttу еffоrtlеѕѕ to ѕіgn up; it is thе рrосеѕѕ to acquiring thеrе whісh tаkе thе tіmе. But іt’ѕ tіmе well ѕреnt, аѕ the plan wіll most lіkеlу be needed bу mеаnѕ оf the years, аnd there аrе ѕоmе аwful ѕtоrіеѕ frоm іndіvіduаlѕ whо hаvе nоt had adequate соvеr. Once ѕіgnеd, coverage wіll соmmеnсе ѕtrаіght away, аnd you’ll bе аblе to move on dоіng whаt уоu tаkе рlеаѕurе іn, undеrѕtаndіng you’ve gоt thе valuable ѕаfеtу nеt аt your bасk.

How To Chооѕе Thе Rіght Plаn

Whenever Medicare was initially еѕtаblіѕhеd, іt hаd not bееn mаdе tо bе реrmаnеntlу соvеr all еxреnѕеѕ. Therefore, Mеdісаrе Suррlеmеntаl Insurance was сrеаtеd tо mаkе uр thе difference. Yоu can fіnd currently 12 plans of соvеrаgе. These plans аrе mаnаgеd bу thе gоvеrnmеnt, which allows thеm tо rеmаіn the ѕаmе price no mаttеr whісh іnѕurаnсе agency уоu асԛuіrе thеm from. The оnlу rеаl dіffеrеnсе bеtwееn one рlаn of оnе соmраnу to аnоthеr, іѕ the рrісе.

Fіgurіng оut that you need this coverage is the fіrѕt ѕtер іn the rіght direction. Onсе уоu dеtеrmіnе that уоur Mеdісаrе insurance doesn’t address all уоur medical rеlаtеd еxреnѕеѕ, уоu wіll bе muсh bеttеr аblе tо determine thіngѕ уоu do nееd ѕіnсе you wіll knоw things іѕ mіѕѕіng оut on. It rеаllу is hеlрful tо соnfеr with уоur асtіvе іnѕurаnсе tо see рrесіѕеlу what you DO hаvе thе instant іt соmеѕ tо fіndіng thе rіght Mеdісаrе Supplemental Inѕurаnсе coverage. Luсkіlу for uѕ, this іѕ much lеѕѕ соmрlісаtеd thаn ѕhорріng fоr traditional іnѕurаnсе bесаuѕе уоu wіll find only a dozen traditional рlаnѕ tо сhооѕе frоm. Nо matter whісh рrіvаtе іnѕurаnсе оrgаnіzаtіоn уоu wоrk with, ѕіmрlу bесаuѕе each wіll оffеr the ѕаmе plans. Rеаllу thе оnlу distinction will be thе service thаt уоu gеt аnd thе premium thаt уоu wіll bе сhаrgеd for.

Learn more about Medicare Supplemental Insurance plans, rates and more at http://www.emedicare-supplemental-insurance.com.  Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans.  To talk to an expert in Medicare coverage toll free 888.404.5049 today!

The Medicare Supplemental Insurance plans:

The prices of the insurance plans may differ slightly in various states but the description set out in Medicare supplemental plans do not change. They are present in similar forms in all the states, except the three states Minnesota, Massachusetts, and Wisconsin, where these services aren’t the same. It implies that the benefits in each of the Medigap plan are going to stay the same, irrespective of what insurance company is providing these plans.

To explain a little, as what are the Medicare supplemental plans that your Medigap broker will discuss with you. These are the extra beneficial plans that are not covered by the original Medicare. These are ten plans and each is presented with an alphabet. So the alphabets represent the plans like A, B, C, D, F, G, K, L, M, and N. The plans structures remain the same in all of the 47 states where they are provided. Though, the various insurance companies can charge a little different, regarding the buying of the same plan, through different insurance companies.

Things to consider before buying:

The important thing while choosing any plan is to consider your health needs. All the plans are different from each other along with the costs. So your Medicare supplemental insurance broker will explain to you the details of the packages and cost of each of the plans. When you compare the plans, these are keynote points to look into:

  • The deductibles are different for some plans
  • You will have to observe closely the comparison charts
  • The monthly premiums for each of the ten plans
  • The calculated costs of healthcare or hospital services that you are using
  • The doctors and pharmacies restrictions and rules in your state
  • The cost of medicines that you need for your commonly faced ailments.

Learn more about Medicare Supplemental Insurance plans, rates and more at http://www.emedicare-supplemental-insurance.com.  Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans.  To talk to an expert in Medicare coverage toll free 888.404.5049 today!

Using a Medicare Supplemental Insurance Broker to Choose a Plan

Using a Medicare Supplemental Insurance Broker to Choose a Plan

The Medigap or Medicare supplemental insurance plans cover most of the cost aspects that the original Medicare plan doesn’t fulfill. The original Medicare plans don’t cover the coinsurance, copayments, and deductibles. At this point, the Medigap comes into play and contributes its share. This plan can be bought from the insurance company or you can settle with an insurance broker to set the deal for you.

Medical supplemental insurance broker:

A medical supplemental insurance broker will provide you with the details regarding each plan, the advantages, disadvantages, and the plan, which is best, suited for you. They will help you find all the data and cost, so you won’t have to go through a laborious process of choosing the best for yourself. In many states, the Medigap brokers aren’t allowed to charge extra money from the customers. They are paid from the insurance companies. So you don’t need to worry about the charges of the insurance broker.

The Insurance broker vs. the insurance agent:

The Medicare supplemental insurance broker most of the times is confused with the Medigap agent. The Medicare supplemental agent is the one who acts in the representation of insurance companies. Whereas, the Medigap insurance broker is the one who helps any insurance customer. The agent is allowed to sell the policies of a single insurance company. The insurance broker, on the other hand, can sell the policies from various insurance companies. Both of these terms can be used interchangeably sometimes, depending upon the different insurance department’s definition of these terms.

The Medigap insurance broker:

The services of the Medigap agent and the Medigap broker are different from each other. The Medicare supplemental insurance brokers help the customers with the provision of services from the different insurance options. The reason is that they aren’t specifically linked to any single company. This is one of the advantages of brokers because the different insurance companies provide the different rates regarding the plans. So, the insurance brokers will tell you about the rates comparison and other details, without adopting a biased approach. Some of the companies are better formulated keeping in view the old people’s health needs and other may be better for the young people health needs. The insurance brokers can give you a vast knowledge about the various companies, their rates and the benefits associated with those companies.

The Medicare Supplemental Insurance plans:

The prices of the insurance plans may differ slightly in various states but the description set out in Medicare supplemental plans do not change. They are present in similar forms in all the states, except the three states Minnesota, Massachusetts, and Wisconsin, where these services aren’t the same. It implies that the benefits in each of the Medigap plan are going to stay the same, irrespective of what insurance company is providing these plans.

To explain a little over here as what are the Medicare supplemental plans that your Medigap broker will discuss with you. These are the extra beneficial plans that are not covered by the original Medicare. These are ten plans and each is presented with an alphabet. So the alphabets represent the plans like A, B, C, D, F, G, K, L, M, and N. The plans structures remain the same in all of the 47 states where they are provided. Though, the various insurance companies can charge a little different, regarding the buying of the same plan, through different insurance companies.

Things to consider before buying:

The important thing while choosing any plan is to consider your health needs. All the plans are different from each other along with the costs. So your Medicare supplemental insurance broker will explain you the details of the packages and cost of each of the plans. When you will be comparing the plans, there are certain keynote points to look into. The deductibles, they are different for some plans, so you will have to observe closely the comparison charts, the monthly premiums for each of the ten plans, the calculated costs of healthcare or hospital services that you are using, the doctors and pharmacies restrictions and rules in your state, and the cost of medicines that you need for your commonly faced ailments.

Learn more about Medicare Supplemental Insurance plans, rates and more at http://www.emedicare-supplemental-insurance.com/medicareAdvantage. Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans.  To talk to an expert in Medicare coverage toll free 888.404.5049 today!

Introduction to Medicare Supplement Insurance Plans

While Medicare pays for many healthcare services, there are still many that are not covered. Traditional, or Original Medicare, does not provide full coverage for medical expenses.  Some expenses such as deductibles, copayments, and co-insurance amounts are not covered under Original Medicare, Medicare Part A and Part B.  In order to offset these expenses Medicare Supplemental Insurance Plans were designed.

What is Medicare Supplemental Insurance and How Does It Work?

Supplemental Insurance is an additional health care plan that is provided by private insurance companies to cover the gaps left in Medicare Part A and Part B.  Federal and State laws regulate Medicare Supplemental Plans to protect you as the beneficiary.  Plans are clearly labeled as Medicare Supplemental Insurance and the policies are standardized.  Supplemental Insurance Plans are all the same and do not vary from state to state.  The only aspect that that changes is the cost and where it is purchased.

Medicare Supplemental Insurance Eligibility Requirements

Supplemental coverage works only in conjunction with Medicare Part A and Part B.  The acceptance of your application is guaranteed if you are 65 or older and apply within six months of the initial enrollment in Medicare Part B.  Under certain circumstances, pre-existing conditions are waived; specific details can be found by working with a Medicare Supplemental Insurance Broker.  A  Medicare policy covers only one person.  Your spouse must have a policy of their own.

Medicare Supplemental Insurance Plans

Participants may select from up to ten standardized policies, Medicare Supplemental Insurance Plans A through Plan N.  Each plan offers a different set of primary benefits with a unique set of benefits. These policies are the same no matter what private insurance company you choose to purchase the insurance from.  Each insurance company can decide which policies they want to sell and set their own prices so research carefully to avoid overpaying.

Medicare Supplemental Plans A through J

Plans A through J have more benefits, higher premiums, and lower out of pocket expenses.  Basic benefits include coverage of Medicare Part A and Part B copayments, co-insurance, and three pints of blood.  Extra benefits may include Skilled Nursing Facility co-insurance, foreign travel emergency services, at-home recovery and preventative care.

Medicare Supplemental Plans K through M

Plans K through M have lower premiums and higher out of pocket expenses.  Basic benefits include Medicare Part A hospital benefits, Medicare Part A and B coinsurance or co-pay, three pints of blood and hospice care.  Extra benefits include skilled nursing facilities coinsurance and Medicare Part A deductibles.

Medicare Supplemental Plan N provides co-insurance payments on hospital expenses for Medicare Part A, as well as a full year of payments once your Medicare benefits have been depleted.  Supplemental Plan N policies pay 100% of Medicare Part B co-insurance.  Doctor visits cost up to twenty dollars and emergency room visits up to fifty dollars.

When selecting a Medicare Supplemental Insurance Plan, carefully compare each plan and compare quotes from insurers. Make sure you choose the coverage that best meets your needs and be sure not to pay more for the benefits than you need to.

Learn more about Medicare Supplemental Insurance plans, rates and more at http://www.emedicare-supplemental-insurance.com.  Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans.  To talk to an expert in Medicare coverage toll free 888.404.5049 today!

The Basics on Medicare Supplemental Insurance Plan

Medicare Supplemental Senior

Having basic knowledge on how Medicare Supplemental Insurance works when getting close to the age of 65 can give you better health care, reduce expenses and stress! From age 65, it has been proven that 85% of people suffer from health problems and have a high usage of prescription drugs. The major benefit that people of this age have is their savings, and no one wants to spend their savings on health issues.

The governments Medicare program has helped millions of people obtain health care since 1966. Theses polices include coverage at hospitals known as Medicare part A and at the doctor’s office known as Medicare part B. However, the Medicare part A and part B does not cover prescription drugs, dental, vision or long term care. Medicare Part A & B can have gaps in coverage.

How does supplemental insurance work?

Medicare Supplemental Insurance offers services either not covered or partially covered by the original Medicare program parts A & B. The benefits of the ten supplemental policies are offered by private insurance companies like us. Supplemental plans help fill in coverage gaps left by Medicare parts A & B.  You have to have Parts A & B of Medicare to get the supplemental Insurance.

There are 10 types of Medigap plans, they are labeled by letters. A, B, C, D F, G K, L, M, and N. Not every insurer offers all 10 plans, and prices can vary, but all the plans are standardized by the federal government. This means from company to company the benefits of the plans remain the same, but the price will be different. We take the time and shop around different companies to get you the best rates!

Who is eligible for medigap?

The beneficiary is already entitled to Medicare part A and also needs to be enrolled in part B before they can qualify for Medicare Supplemental Insurance. After the age of 65, participants can easily apply for supplemental insurance. Again, It is important to know each supplemental plan covers the same benefits no matter what company sells it, the only difference is price.

What to learn more about Medicare Supplemental Insurance? Please feel free to browse our website at www.emedicare-supplemental-insurance.com or call us at 877-202-9248.