Medicare Supplement Insurance Plans

A Medicare Supplemental plan is the only type of plan where Original Medicare ( Your Red, White, and Blue Card) is paying 80% of the doctor and hospital charges. The Medicare Supplemental plan picks up the rest minus a deductible and sometimes some co-pays or co-insurance. The best time to get a Medicare Supplemental plan is when you are first eligible for Medicare. Why? Because with this type of plan you normally have to be questioned about your health and can be denied coverage. When you are first eligible for Medicare, the plan does not question you about your health.

So why choose this type of plan?

• You can go to any doctor that accepts Medicare. So for example, if you live in California and want to go to New York for a doctor you can do this with a Medicare Supplemental plan.
• Minimal out-of-pocket costs when you use your plan. (An HMO and a PPO have co-pays for most services when you use your plan but usually no monthly cost.)
• You do pay a monthly premium and the cost does go up a little every couple of years as you age. ( But we have ways to help you keep your costs down.)
• This is a great type of plan for those of you that love to travel around the USA by RV.
• No referrals for specialists.

General features of Medicare Supplement insurance plans

Medicare Supplement insurance plans work with Original Medicare (Parts A & B) to help with out-of-pocket costs not covered by Parts A and B. The following are also true about Medicare Supplement insurance plans:
 Predictable costs help you stay ahead of unexpected out-of-pocket expenses.

• No network restrictions mean you can see any doctor who accepts Medicare patients.
• You don’t need a referral to see a specialist.
• Coverage goes with you anywhere you travel in the U.S.
• There is a range of plans available to fit your health needs and budget goals.
• Purchasing a Medigap plan and a Medicare Part D prescription drug plan could give you more complete coverage.
• Guaranteed coverage for life^† means your plan can’t be canceled.

^† As long as you pay your premiums when due and you do not make any material misrepresentation when you apply for this plan.

Rates are subject to change. Any change will apply to all members of the same class insured under your plan who reside in your state. can provide peace of mind by helping with some of these costs.