Find the Perfect Medicare Supplement Insurance Plan

2017 Medicare Enrollment Starts October 15 and ends December 7

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Learn how Supplements can help lower your out-of-pocket expenses that Medicare doesn’t cover.

How Medicare Insurance Works

Medicare insurance benefits are divided into two parts.
Part A primarily covers Hospital care, Skilled nursing facility care, Hospice, and Home health care.
Part B covers Doctor Visits, Mental health care, Outpatient surgery, Lab tests, Medical equipment like wheelchairs and walkers. Supplemental Medicare options are also offered to fill the gaps in your Medicare coverage.

Medicare Supplement Insurance Basics

Original Medicare helps cover the costs of a wide range of medical services and supplies. However, it includes out-of-pocket costs such as coinsurance, copayments, and deductibles that can add up quickly. Medicare Supplement Insurance plans are sold by private insurance companies to help pay for these costs, filling in some of those coverage gaps.

Medicare Supplement Plan Coverage Chart

Medicare Supplement Benefits (Medigap)


Supplement Plans for Most States


Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhaustedYesYesYesYesYesYesYesYesYesYes
Medicare Part B coinsurance or copaymentYesYesYesYesYesYes50%75%YesYes**
First three pints of bloodYesYesYesYesYesYes50%75%YesYes
Medicare Part A hospice coinsurance or copaymentYesYesYesYesYesYes50%75%YesYes
Skilled Nursing Facility (SNF) coinsuranceNoNoYesYesYesYes50%75%YesYes
Medicare Part A DeductibleNoYesYesYesYesYes50%75%50%Yes
Medicare Part B DeductibleNoNoYesNoYesNoNoNoNoNo
Medicare Part B Excess ChargesNoNoNoNoYesYesNoNoNoNo
Foreign Travel Emergency (Up to Plan Limits)NoNo80%80%80%80%NoNo80%80%
Out-of-Pocket Limit***NoneNoneNoneNoneNoneNone$5,120$2,560NoneNone


How Can I Enroll?

You can enroll in Medicare the 7 months surrounding your 65th birthday including the 3 months before your 65th birthday, the month of your 65th birthday, and three months after your 65th. Once you have turn 65, you will automatically be enrolled in Medicare Part A and Medicare Part B if you are receiving benefits from Social Security or the Railroad Retirement Board. You can also switch Medicare between the dates of October 15 to December 7.

What If I missed Medicare Open Enrollment?

If you miss the open enrollment period you can also enroll between the dates of January 1 through March 31. You may have to pay a higher premium for late enrollment and your coverage will begin on July 1st.

How much does it cost?

Each month you may pay a premium of $104.90, our agents job is to find the best coverage for you at the lowest price for your budget. We worry about you and making sure that you have the coverage you need, and we make sure to keep contact with you at all times in case you may have a question.

How can I get drug coverage?

You can enroll in Medicare Plan D when signing up for your Medicare coverage. This will help you with your prescriptions cost. You can also enrolled in a Medicare Advantage Plan Part C that offers Medicare Prescription drug coverage.

How can I get started?

If you are in the process of turning 65, make sure to contact one of our agents or just click on Speak to Agent button and one of our Agents will be happy to assist you with all your Medicare needs.


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