Medicare Supplement Insurance

Helpful information to help you decide which policy is right for you

FREE QUOTES

Free Medicare Supplement Quotes in CA, TX, and FL

 Several of the companies we have available; Plans and prices subject to change. 

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 if the provider does not accept Medicare Assignment - 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.

Would You Like Us To Compare Plans and Prices for you?  We have software that requires just basic information (Male or Female, Date of Birth, Tobacco use, and Zip Code)  to help us compare plans and prices in your area.   We may also advise against a company that may not fit with your moral standards,  or is known to raise rates more than others, etc..  If you would like someone to personally assist you, then please call (817) 789-6100 and leave a detailed message, or use the  Contact Us form.

We can also help you enroll  over the phone electronically, or in some cases we still do paper applications.    We will discuss your options, making the process as smooth and easy as we can.

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

LEGAL NOTICE:  "This Product is not connected with or endorsed by the United States government or the federal Medicare program."    (we do not know why this legal notice is required for any insurance product related to Medicare coverage.)