Explore Your Medicare Supplement Options
Medicare Supplement Insurance Plans - Explore Your Medicare Supplement Options
Medicare Supplement Insurance, or Medigap, helps fill the “gaps” in Original Medicare. While Medicare covers a lot, it doesn’t cover everything—leaving you responsible for things like copayments, coinsurance, and deductibles. That’s where Medigap can help.
Benefits of Medicare Supplements
Lower Out-of-Pocket Costs - Medigap can significantly reduce or even eliminate your costs for hospital stays, doctor visits, and other medical services covered by Original Medicare.
Freedom to Choose Any Doctor - Medigap lets you see any doctor or specialist in the U.S. who accepts Medicare—no networks, no referrals needed.
Coverage While Traveling - Many Medigap plans include emergency healthcare coverage when traveling outside the U.S.—great peace of mind for snowbirds and travelers.
Guaranteed Renewability - As long as you pay your premium, your plan is guaranteed renewable—even if your health changes.
Predictable Costs - With Medigap, your costs are more stable and predictable from month to month, which helps with budgeting on a fixed income.
No Claim Hassles - Because Medigap works with Medicare, claims are handled automatically. You don’t have to file extra paperwork.
Who Qualifies for Medicare?
Medicare is generally available to individuals who are 65 or older. However, you may also qualify if you have a disability, End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant), or ALS (also known as Lou Gehrig’s disease). It’s important to understand these criteria to ensure you or your loved ones can access the necessary healthcare coverage.
Benefit of Original Medicare
Original Medicare offers extensive hospital coverage without a monthly premium for most beneficiaries. This coverage includes inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care services.
The absence of a monthly premium is due to the Medicare taxes paid during your working years. This makes Original Medicare an invaluable resource for those who qualify, ensuring that you receive necessary medical care without the burden of additional costs.