Save Money with Medigap

(2021 UPDATE)

Save more on health care this year with Medigap. The enrollment period is here, and now is the time to fill your health care gaps with supplemental insurance

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Learn about Medigap coverage and discover how it helps seniors with changing health care needs. 

Medigap Insurance

Medigap is private insurance that fills the gap left behind from Original Medicare. While basic Medicare pays for most beneficiary health care costs, Medigap covers the remaining amounts. 

This additional coverage helps pay for the following

Coinsurance

Copayments

Deductibles

Essentially, basic Medicare pays its share of the medical costs, and Medigap pays its share toward the remaining amount. Also, many Medigap plans cover a variety of services that Original Medicare doesn't cover. This added protection makes it possible to stay protected while traveling outside the United States. Not only does Medigap save on out-of-pocket costs, but it also expands coverage. 

Everything You Need to Know About Medigap

First, only beneficiaries with Original Medicare are eligible to purchase Medigap. In addition to paying a monthly premium on Plan B, those with a Medigap policy pay a separate premium to the Medigap provider. Once a beneficiary purchases Medigap, the policy can be renewed every year. Also, the provider cannot drop the beneficiary due to additional health problems.

Beneficiaries can purchase a Medigap policy from any Medicare-approved insurance group within their state. However, it's illegal to sell a Medigap policy to a beneficiary with an existing Medicare Advantage policy. Beneficiaries that are in the process of dropping their Plan C coverage are the exception to this rule. 

Beneficiaries that are interested in Medigap coverage should buy a policy when they're first eligible. By purchasing a Medigap policy during the enrollment period, beneficiaries can take advantage of better prices and more choices while avoiding higher costs that result from a failure to meet the deadline.  

Medigap providers use medical underwriting to determine an applicant's acceptance and how much to charge. Nonetheless, beneficiaries with pre-existing health conditions may purchase any policy at the same rate as people with good health, as long as the purchase occurs during the enrollment period. Medigap providers may choose not to sell policies or charge more to beneficiaries that miss the enrollment period and don't meet the medical underwriting requirements. 

Some Medigap plans sold before January 1, 2006, included prescription drugs. However, policies sold afterward have excluded medications from coverage. Beneficiaries that are interested in prescription drug coverage can purchase a separate Plan D policy.

Medigap only covers one beneficiary. Therefore, married couples must purchase two policies if both want the supplemental insurance coverage. Unlike Medicare Advantage that provides additional services, Medigap only supplements the benefits provided by basic Medicare. It's also important to note that individuals new to Medicare cannot use Medigap to cover the Plan B deductible. This rule also applies to those eligible for Plan C and Plan F. Beneficiaries that already purchased supplemental insurance before January 1, 2020, can keep their existing plans. 

Medigap doesn't cover all benefits. This exclusion of benefits involves

DENTAL SERVICES

LONG-TERM CARE

PRIVATE NURSING SERVICES

VISION SERVICES

At some point, Medigap beneficiaries may want to purchase a different plan or drop their policy to make Medicare Advantage available. It's noteworthy to mention that anyone buying a Plan C or D policy may have to pay a late enrollment penalty under the following conditions:

The beneficiary's previous Medigap policy excluded prescription drug coverage.

The beneficiary has 63 consecutive days without prescription drug coverage.

SPEAK WITH A LICENSED AGENT

Since Medigap policies are mostly standardized, comparing plans is simple. All Medigap providers must follow federal and state laws that protect beneficiaries and advertise policies as "Medicare Supplement Insurance."

Medigap policies offer the same core benefits, but some offer additional benefits from which to choose. While each state has different laws that affect the types of available Medigap coverage, all insurance providers select the policies they want to sell.  

Learn More About Medicare Advantage

Medicare Plan A and Medicare Plan B are the two basics parts of Original Medicare. While Medicare Plan A covers hospital-related care, Plan B covers services and supplies. However, Original Medicare only covers a limited list of services and supplies. Medicare Advantage provides an umbrella of protection that covers services and prescription drugs left behind by basic Medicare. 

There are several Medicare Advantage providers from which beneficiaries can choose. Although there are a few minor differences between the states, most Medicare Advantage plans have the same benefits. Seniors can choose added coverage for a variety of services like dental, vision, and prescription drugs.

If you want to learn more about Medicare Advantage, speak with one of our licensed insurance representatives. Learn more about Medicare Advantage plans and discover better ways to save money while increasing your health benefits. Our friendly representatives are trained insurance agents that will explain the pros and cons of some of the most popular Medicare Advantage plans in the nation. We won't rush you into buying just any policy. Instead, we'll take the time to make sure you understand everything you need to make an informed decision. Call us now to learn more about Medicare Advantage before it's too late.  

Call us now to learn more about Medicare Advantage before the enrollment period expires.

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800-807-5036

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$0 monthly premium Medicare plans may be available in your state

Fill out the form to see if you are eligable

Although we love to go online, we’re not comfortable making important purchases on the internet. With Medicare Advantage, we were able to speak with Steve. Steve helped us choose a policy with the benefits we needed and within our fixed-income budget. Steve is our super hero!

Red and Dolores Pinkerton

Our Medicare Advantage policy was a real-life saver! The preventative services helped detect a serious condition before it got out of hand. We’re eternally thankful for our Medicare Advantage Plan.

William and Edith Parker

We recommend Medicare Advantage to all our friends at the clubhouse. Our policy provides services that keep us active and healthy. Here’s the best part: you get to speak to a live insurance agent that can answer all your questions. You have nothing to lose. Pick up the phone and call Medicare Advantage, now!

Lawrence and Phyllis Jackson

$0 monthly premium Medicare plans may be available in your state

Fill out the form to see if you are eligable

You must continue to pay your Medicare Part B premium. The Part B premium is covered for full-dual members.
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This is a solicitation of insurance outside of the Medicare Annual Enrollment period, beneficiaries can enroll in a plan if they meet certain criteria. A licensed insurance agent can help you determine whether you are eligible. Benefits may be subject to limitations and annual maximums. Not available with all plans. Availability varies by carrier and location. Transportation to plan-approved locations. Callers will be directed to a licensed insurance agent with a third-party partner of Ring2Media Inc. who can provide more information about Medicare Advantage Plans and/or prescription Drug Plans offer by one or several Medicare-contracted carrier(s). Enrollment in any plan depends on contract renewal. Medicare has neither reviewed nor endorsed the information contained in this advertisement. This information is not a complete description of benefits. For a complete listing of Medicare plans, please contract 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day, 7 days a week, or consult www.medicare.gov

All Medicare plans comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability, or sex. ATTENTION: If you speak a language other than English, free language assistance services are available. Visit the plan’s website or call them directly for more information. 

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