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Medicare Supplement Plans
There is no charge to the individual for using the services of a licensed health insurance agent—the commission is entirely paid by the carrier. The carrier is prohibited from selling the policy any cheaper if an individual does not use an agent.
While Original Medicare covers many health care costs and services, it does not cover things like coinsurance, copayments, and deductibles. These costs are considered "gaps" in your Medicare coverage, because you typically have to pay for them yourself.
To help you cover these gaps, you may consider purchasing a Medigap insurance policy.
Available through private insurance companies, Medigap policies can help you pay some of these out-of-pocket health care costs. Many policies also cover additional benefits and services not covered by Original Medicare.
Insurance companies are only allowed to sell you one Medigap policy. Currently, there are different standardized plans, referred to as "A", "B", "C", "D", "E", "F", "F+", "G", "H", "I", "J", "K", and "L" (MA, MN, WI have variation plans).
Because the policies are standardized, the benefits for a particular plan are the same for each company within a state. The primary difference will be the cost, but factors like underwriting and rating methodology can also vary from insurance company to insurance company.
Medicare
Supplement - Medigap - Plan Descriptions
| Medicare supplement insurance can be sold in only ten standard plans. This chart shows the benefits included in each plan. Every company must make available Plan "A". | |||||||||
| Basic Benefits: Included in all plans | |||||||||
| Hospitalization: Part A Coinsurance plus coverage for 365 additional days after Medicare benefits end | |||||||||
| Medical Expenses: Part B coinsurance (20% of Medicare-approved expenses) | |||||||||
| Blood: First three pints of blood each year | |||||||||
A |
B |
C |
D |
E |
F |
G |
H |
I |
J |
| Basic Benefits | Basic Benefits |
Basic Benefits |
Basic Benefits |
Basic
Benefits |
Basic Benefits |
Basic Benefits |
Basic Benefits |
Basic
Benefits |
Basic
Benefits |
-
|
- |
Skilled Nursing Co-insurance |
Skilled
|
Skilled
Nursing Co-insurance |
Skilled Nursing Co-insurance |
Skilled Nursing Co-insurance |
Skilled Nursing Co-insurance |
Skilled Nursing Co-insurance |
Skilled Nursing Co-insurance |
-
|
Part A |
Part A Deductible | Part A Deductible | Part A Deductible | Part A Deductible | Part A Deductible | Part A Deductible | Part A Deductible | Part A Deductible |
- |
- |
Part B Deductible | - |
- |
Part B Deductible | - |
- |
- |
Part B Deductible |
- |
- |
- |
- |
- |
Part B Excess (100%) |
Part B Excess (80%) |
- | Part B Excess (100%) |
Part B Excess (100%) |
- |
- |
Foreign Travel Emergency | Foreign Travel Emergency | Foreign Travel Emergency |
Foreign Travel Emergency | Foreign Travel Emergency | Foreign Travel Emergency | Foreign Travel Emergency |
Foreign Travel Emergency |
- |
- |
- |
At Home Recovery |
- |
- |
At Home Recovery |
- |
At Home Recovery |
At Home Recovery |
- |
- |
- |
- |
Preventative |
- |
- |
- |
- |
Preventative Care |
Please call 1-888-592-0311 extension 702 or email for information on low cost Medicare supplements from our most popular carrier.
John K. Arnold
Florida Health Insurance
Group, Employee Benefits & Individual Health Insurance Specialist
Website Address www.floridahealthinsurance.com
E-Mail: John K Arnold
Phone: 407-592-0311
Phone: 888-592-0311 X 702
Fax: 407-386-7053
Skype: john.k.arnold
Twitter: fl_health_insur
If outside the US, it is best to e-mail as we can respond more quickly.
Thanks.
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