Medigap Plans A and B
Covers only Medicare Part A and Part B coinsurance. Does not cover Part A and Part B yearly deductibles, excess charges and skilled nursing facility and first 3 pints of blood.
Medicare Supplement
Protect Your Health, and Your Wallet!
Medicare Supplement Insurance (Medigap) is additional coverage
you can purchase from a private insurer to help cover your out-of-pocket expenses under Original Medicare. What isn’t considered Medigap? You can only purchase a Medigap policy if you have Original Medicare. This typically means you need to be enrolled in both Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) before you can buy a Medigap plan.
Medigap Plans C, D, F, G and N
These plans cover coinsurnace for Part A, Part B, hospice care and skilled nursing facility. Plans D and N cover everything except for Part B deductible and Part B excess charges.
Medigap Plans C, F and G
These plans provide the most coverage. Plan F covers what Medicare covers, Plan C covers all Parts A and B except for excess charges. Plan G covers all Parts A and B except for Part B deductible. Plans C and F are available for beneficiaries who are Medicare eligible before Jan 1, 2020.
Medigap High-Deductible Plans F, G, K and L
These plans have the lowest monthly premium and coverage begins after yearly deductible is met. For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible ($240 in 2024), the Medigap plan pays 100% of covered services for the rest of the calendar year.
UNDERSTANDING WHOLE LIFE INSURANCE
How MEDIGAP Protects Your Health and Wallet!
Significant Reduction in Out-of-Pocket Expenses
Medigap plans cover many out-of-pocket costs that Original Medicare leaves behind, such as copayments, coinsurance, and deductibles. This means seniors can avoid unexpected medical bills and better manage their healthcare expenses.
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Predictable Monthly Premiums
With Medigap, seniors pay a fixed monthly premium, making it easier to budget for healthcare costs. This predictability helps in planning finances and reduces the stress associated with unexpected medical expenses.
Access Comprehensive Healthcare Coverage
Medigap plans often provide coverage for services that Original Medicare may not fully cover, such as extended hospital stays and skilled nursing facility care. This ensures that seniors receive comprehensive care without worrying about additional costs.
Choose Any Medicare-Approved Provider
One of the significant advantages of Medigap is the freedom to visit any doctor or hospital that accepts Medicare. There are no network restrictions, allowing seniors to choose the best healthcare providers for their needs without needing referrals.
Travel with Peace of Mind
Some Medigap plans include coverage for emergency medical care while traveling abroad. This is particularly beneficial for seniors who enjoy international travel, providing peace of mind and essential protection outside the United States.
Fill Coverage Gaps in Original Medicare
Medigap fills the gaps in Original Medicare coverage, ensuring that seniors are not left with substantial medical bills. This protection is vital for managing chronic conditions and unexpected health issues, offering a safety net for various healthcare needs.
Let's Protect Your Health and Your Wallet Now!
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