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

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


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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".