A Non-Government Website courtesy of Hesed Insurance Solutions
Contact Information

Medicare Open Enrollment
c/o Hesed Insurance Solutions
2000 E. Lamar Blvd. Suite 600
Arlington, TX, 76006

Phone:
1 (619) 730-HELP
1 (817) 789-6100
1 (800) 9-800-342

Fax:
1-866-587-3426

Licenses:
AK: 100100308
AL:  0681345
AR: 430769
AZ: 1048587
CA:  0G64083
CO: 438583
CT:  2445664
DC: 3053107
DE: 8221985
FL:  W171377
GA: 2936276
IA:  0008221985
ID:  473986
IL:   008221985
IN:  919735
KS:  8221985
KY:  827209
LA:  606348
MA: 1968291
MD: 2127264
MI:  0663610
MN: 40367993
MO: 8304726
MS: 10311638
MT: 0100112270
NC: 8221985
ND: 8221985
NE: 8221985
NH: 2285504
NJ: 1540684
NM: 228250
NV: 8221985
NY: 1319187
OH: 1011826
OK: 100176309
OR:  8221985
PA:  684184
SC:  707691
SD:  40347068
TN:  2260119
TX:  1289991
VA:  893089
UT:  467760
WA: 851037
WI:  2626835
WV: 8221985
WY: 253979

Our Motto: "We treat people the way we would want to be treated."

Medicare Supplements

Medicare Supplements pay secondary to Original Medicare Part A (hospital) and Part B (medical). Medicare Supplements are voluntary, stand-alone plans, acquired through a health insurance company. Each plan is standardized and alphabetized (A, B, C, D, E, F, G, etc.) This makes it easy to compare plans and prices, especially when a Plan G is a Plan G no matter what company offers it. [3 states MA, WI, MN are special exceptions]

Some insurance companies also offer Select Plans which are sometimes less expensive than Standard Plans because Select Plans require the use of “select” doctors and hospitals. (Similar to an HMO)

Standard Plans do not have a provider network; therefore, a person may receive routine, scheduled, and emergency treatment from any doctor or hospital in the United States that accepts Original Medicare A & B. Medicare Supplements help pay for hospital and medical services approved by Medicare. No special permission is needed to see a specialist.

Medicare Supplement = Medigap Policy  A Medicare Supplement supplements Medicare Parts A & B. These plans are also known as Medigap policies, or Medigap insurance, because they help fill in the gaps for Medicare A & B. (Examples include: skilled nursing co-insurance, hospital deductibles, and the 20% that Part B does not pay from the 80/20 split for medical services received)

Standard Plan F is the most comprehensive Medigap plan on the market, and is currently the most frequently purchased Medicare Supplement for seniors over age 65. Plan F is the only Medicare Supplement that pays both Part A and Part B deductibles, and is one of only two plans that offer 100% Excess Charge Coverage. (Plan G is the other one.) There is also a much less popular high deductible F.

Part B Excess Charges are the portion of the medical bill that a person might pay above the 80/20 split unless his/her Medicare Supplement covers that as well. That amount can be up to an additional 15%.


“When can I enroll in a Medicare Supplement?”

When you first become eligible for Medicare, your Open Enrollment Period (OEP) is the 6-month period that begins on the 1st day of the month you turn age 65. Open Enrollment may be the best time to enroll in a Medicare Supplement plan because a person can not be turned down, or charged more, due to any pre-existing health conditions.

When you are age 65 or above and delayed enrollment in Medicare Part B. This most commonly occurs due to employer-sponsored health coverage. Then your 6-month Open Enrollment Period begins when your Medicare Part B becomes effective.

You can enroll anytime you can pass through underwriting because no one is ever locked into a Medicare Supplement plan during the year. If an individual has both Medicare Part A & Part B, and will not be concurrently enrolled in another Medicare hospital or medical plan, and his/her health history warrants consideration, that person is free to apply for a new or different Medicare Supplement.

Under Guaranteed Issue circumstances – including, but not limited to: acquiring a Medicare Advantage plan and dis-enrolling within a particular time frame; moving out of your plan's service area; or being dropped from coverage.

If you are under age 65, Federal law does not require insurance companies to sell Medigap policies; however, some states do, so check with your state department of insurance to find out what rights you may have.

To view current plans and rates nationwide, use the “Instant Quote” feature on the home page. In just a few seconds, you will have access to a wealth of information. A licensed agent may or may not contact you. Not everyone receives a phone call. If you would like someone to assist you, then please call (619) 730-HELP and leave a detailed message, or use the Contact Us form.

If you are in VT, RI, ME, or HI then the basic contact information you enter may be offered to an agent licensed in your state. There is a cost to the agent who pays for the privilege to contact you.

For more information on Medicare Supplements, read the official Government booklet "Choosing a Medigap Policy".