Medicare Supplement Insurance

The purposes of enrolling in a Medicare Supplement Plan

A Medicare Supplement (or sometimes called a "Medi-gap") effectively does away with the coinsurance costs that can follow on from having the original Medicare program, depending on the plan you chose. As long as the Medicare Supplement is in force, you do not have to worry about any costs that can result from an extended hospitalization or recovery period.

All in all, Medicare Supplement plans are designed to bridge the gaps in Medicare without forcing beneficiaries to get their medical services and benefits through certain networks. You can see any doctor who has a contract with Medicare without the need for a referral. It also helps you, as an insured individual, to feel better cared for when the added costs and fees are taken into account from the start especially if you develop long-term medical conditions after taking out your insurance.

Important facts you should know about Medicare Supplements

The best time to look into a Medicare Supplement policy is now. You can apply for a Medicare Supplement year round. There is not a lock-out period like there are with Medicare Part D drug plans. Medicare Supplement plans are standardized throughout the U.S. The benefits are exactly the same from company to company when it comparing one plan to another. For instance, one company's "F" plan covers you in the EXCACT SAME manner as another company's "F" plan. The only difference is price. They have the same doctor list and the same coverage.

That it is why it is important to talk to a broker to find the best price for you.

Which Medicare Supplement plans are right for you?

So, which Medicare Supplement should you pick? Ideally you want to choose a Medicare Supplement policy that will best suit your individual needs which would offer you the best value. Medicare and Medicare Supplements can be quite confusing if you do not have it all explained to you in an easy-to-understand manner. It is not rocket science but it might seem like it if you are trying to do all of this on your own.

Our service to you is free. Whether you do directly to the insurance carrier or use our agency it is ALL the same price. But you will get the advantage of having an independent insurance broker rather than being stuck talking to just one insurance company.

Why have an agent for Medicare Supplement Insurance?

1. Products and laws change in Medicare each year.
2. Drug plans change each year. This year's best value may not be next years.
3. It is to our benefit to keep you as a client so we work hard to make sure you get the very best plans and service.
4. An agency like ours offers the same plans from several different companies so we can shop and compare alongside of you.
5. Since you cannot know all the pitfalls, why not call someone who deals with them each day? We don't cost a penny more for our services.