Medicare Supplements

Some of the primary advantages of a traditional Medicare supplement policy are:

• Freedom to choose your own doctors and hospitals who accept Original Medicare
• No referrals required to see a specialist
• Predictable out-of-pocket expenses for Medicare-covered services
• Guaranteed renewability – the insurance company can never drop you or change your coverage due to a health condition
• No claims paperwork – Medicare supplement companies have crossover filing with Medicare. When your provider files a claim with Medicare, that claim is automatically filed with your supplement company too

Important things to know before enrolling into a Medicare Supplement insurance Plan:

• You must be enrolled in Medicare Parts A and B .
• Medicare supplement plans are individual to each person.
• You can drop your supplement at any time. There is no annual election period for Medicare Supplement plans.
• The annual election period each fall is for Medicare Advantage Plan changes and Prescription drug plans. It does not apply to Medicare supplements
• Medicare Supplement Plans do NOT include Part D, so it is important to enroll into a separate, standalone Part D prescription drug plan, to complete your coverage and avoid any penalties.

A Medicare Supplement does not typically cover ancillary benefits such as routine dental, vision or hearing services. Since Medicare itself does not cover these items, the supplement also cannot.

What is the average cost of supplemental insurance for Medicare?

Pricing for Medicare supplement policies varies by state, zip code, tobacco use and age.  Some individuals may also benefit from household discounts. For quotes in your own zip code, contact us at (855) 600-0137.