Real Help for Medicare & Medicaid

Discuss Your Medicare Options

with a Licensed Insurance Agent

(248) 775-5325

Discuss Your Medicare Options

with a Licensed Insurance Agent

(248) 775-5325

Discuss Your Medicare Options

with a Licensed Insurance Agent

(248) 775-5325

Medicare Supplement

Medigap

What is Medicare Supplement?

Medigap is Medicare Supplement Insurance that helps fill “gaps”. Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies.

A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like:

  • Copayments
  • Coinsurance
  • Deductibles

Medicare Supplement Coverage

Some Medigap policies also cover services that Original Medicare doesn’t cover, like medical care when you travel outside the USA. If you have Original Medicare and you buy a Medigap policy, here’s what happens:
1. Medicare will pay its share of the Medicare-Approved Amount for covered health care costs.
2. Then, your Medigap insurance company pays its share.

Helpful Info about Medicare Supplement

You must have Medicare Part A and Part B.

A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

You pay the private insurance company a monthly premium for your Medigap policy. You pay this monthly premium in addition to the monthly Part B premium that you pay to Medicare.

A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you’ll each have to buy separate policies.

You can buy a Medigap policy from any insurance company that’s licensed in your state to sell one.

Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can’t cancel your Medigap policy as long as you pay the premium.

Some Medigap policies sold in the past cover prescription drugs. But, Medigap policies sold after January 1, 2006 aren’t allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D). If you buy Medigap and a Medicare drug plan from the same company, you may need to make 2 separate premium payments. Contact the company to find out how to pay your premiums.

It’s illegal for anyone to sell you a Medigap policy if you have a Medicare Advantage Plan, unless you’re switching back to Original Medicare.

We can Help You!

Navigating the Medicare system can be confusing but we are here to help you find a plan that fits your individual needs. We can help answer all your important questions. There is never a charge for our services. Deleone Advanced Benefits consulting is free. We’ll find you a plan in your area that minimize out-of-pocket costs.

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Insurance Plans

We’re been helping people find their Medicare plan for over 2 decades. Let us help find yours. We check for great rates from multiple carriers.

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