Medicare Supplement Policies

Medicare supplement insurance also know as “Medigap” insurance is designed to help cover or offset costs not covered by Medicare Parts A and B. These plans are standardized from company to company, but can address individualized needs for cost and service quality, for choosing their own doctors and for having access to coverage wherever they travel in the U.S.

Individuals who qualify for Medicare have four choices to cover costs Medicare does not cover:

• Pay out of pocket
  
• Purchase an additional Medicare Supplement
  
• Enroll in an HMO
  
• Enroll in Medicare Part C – Medicare Advantage
  

Choosing a supplemental Medicare health insurance plan can offer protection from variable and potentially high annual out-of-pocket costs associated with other options, and to eliminate the confusion and hassle of handling complex medical bills.

Our team understands the various Medicare plans and we can help you select the plan best-suited to your needs. We do not work with HMO plans.