816-400-4477Medicare Supplement Plans
Medicare Supplement Plans: Find the Right Coverage for Your Needs
Looking for more comprehensive coverage to go along with Original Medicare? Medicare Supplement Plans, also known as Medigap, can help cover the out-of-pocket costs that Original Medicare doesn’t, like copayments, coinsurance, and deductibles. Our licensed insurance agents are here to help you compare plans and find the best fit for your healthcare needs and budget.
What Are Medicare Supplement Plans?
Medicare Supplement Plans (Medigap) are offered by private insurance companies to fill the “gaps” in Original Medicare coverage. These plans help pay for costs that Medicare Part A and Part B don’t cover, such as:
- Copayments
- Coinsurance
- Deductibles
Medigap plans are standardized and labeled A through N, with each offering different levels of coverage. No matter which insurance company you buy from, the coverage for each plan is the same.
Why Choose a Medicare Supplement Plan?
Medicare Supplement Plans can provide peace of mind by helping you manage your healthcare expenses more predictably. With a Medigap plan, you’ll have fewer surprise medical bills and better financial security. Here’s why you might choose a Medicare Supplement Plan:
- Freedom to see any doctor that accepts Medicare, without worrying about network restrictions
- Ability to use your coverage anywhere in the U.S.
- No referrals needed to see a specialist
- Additional coverage for medical emergencies when traveling outside the U.S.
Medicare Supplement Plans vs. Medicare Advantage
Feature |
Medicare Supplement |
Medicare Advantage |
|---|
| Doctors & Hospitals | Any provider that accepts Medicare | Network-based, may require referrals |
| Prescription Drug Coverage | Not included, requires separate Part D plan | Often included |
| Out-of-Pocket Costs | Helps cover deductibles and copayments | Lower premiums, but higher out-of-pocket costs |
| Coverage Flexibility | Can use nationwide | Restricted to specific networks |
How Does Medigap Work with Original Medicare?
Medigap plans work alongside your Original Medicare (Parts A and B) by helping cover the costs that Medicare doesn’t pay. When you have a Medigap plan:
- Medicare pays its share of approved medical services
- Your Medigap plan then covers your share of the costs
Medigap plans do not cover prescription drugs, so you’ll need to enroll in a Medicare Part D plan if you want drug coverage.
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Frequently Asked Questions About Medicare Supplement Plans
What is the best Medicare Supplement Plan for me?
The best plan depends on your healthcare needs and budget. Popular plans like Medigap Plan G and Plan N offer broad coverage. Our licensed agents can help you compare plans to find the one that’s right for you.
When can I enroll in a Medicare Supplement Plan?
The best time to enroll is during your Medigap Open Enrollment Period, which starts when you’re 65 and enrolled in Medicare Part B. During this time, you have guaranteed issue rights, meaning insurance companies can’t deny you coverage or charge higher premiums based on your health.
Do Medicare Supplement Plans cover prescription drugs?
No, Medigap plans do not cover prescription drugs. To get drug coverage, you’ll need to enroll in a separate Medicare Part D plan.
Ready to Find the Right Medicare Supplement Plan?
Our licensed insurance agents are here to guide you through the process of finding the best Medicare Supplement Plan. Contact us today for a free consultation and compare plans from top providers in your area.
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-CALLING THE NUMBER ABOVE WILL DIRECT YOU TO A LICENSED INSURANCE AGENT.
By completing the form above, I understand that a Licensed Insurance Agent from Apollo Insurance Group may contact me via phone, email or mail to discuss Medicare insurance options. Calls may be made by auto dialer, text, or robocall and are for marketing purposes. Cellular carrier charges may apply. Providing permission does not impact eligibility to enroll or the provision of services. You can change permission preferences at any time by contacting (816) 608-4333. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Apollo Insurance Group is not affiliated with the federal Medicare program or the government. This is a solicitation for insurance.
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What To Expect On Your Call With A Licensed Health Insurance Sales Agent:
- Enroll correctly to avoid penalties and ensure coverage.
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