Medicare

Keep your doctors and health care providers who accept Medicare patients

See specialists without referrals

Take your coverage with you throughout the U.S.

Enjoy guaranteed coverage for life

Receive benefits with no waiting period

Premium discounts available for qualifying individuals

Policies available nationwide 

Understand Original Medicare Insurance Basics

Original Medicare helps pay your hospital and medical health care expenses.

Medicare Part A is hospital insurance. This includes coverage for hospital inpatient care and recovery care in skilled nursing facilities, hospice and home health care services

Medicare Part B is medical insurance. This helps cover some medically necessary services from doctors and other health care providers plus preventive services

Know What Original Medicare Doesn’t Pay

You already may be familiar with paying a portion of your health care costs. Original Medicare also requires you to pay a share, including:

Medicare Part A hospital benefit-period deductible and coinsurance

Medicare Part B medical calendar-year deductible, generally 20% coinsurance and charges exceeding the Medicare eligible expenses 

Skilled nursing facility coinsurance

You may choose to pay these charges yourself or purchase a Medicare Supplement insurance policy to help pay the difference. 

Learn What a Medicare Supplement Plan Can Do

A Medicare Supplement insurance policy helps pay some eligible expenses not paid for by Medicare Part A and Medicare Part B.
All plans offer you these features:

You’re Covered Immediately There is no waiting period for pre-existing conditions, and benefits are paid from the time your policy is in force.

There is no waiting period for pre-existing conditions, and benefits are paid from the time your policy is in force.

Low and Consistent Out-of-Pocket Costs Your Medicare Supplement and Medicare Parts A and B work together to minimize your share of health care costs. With this additional insurance coverage, even unexpected medical events aren’t likely to impact your financial health. Plus, as Medicare deductibles, copayments and coinsurance increase, your Medicare Supplement benefits also increase to help meet your eligible expenses.

No Provider Networks, No Referrals You decide who you want to see for your care. Any health care provider who accepts Medicare patients accepts Medicare Supplement insurance. You won’t have to find network providers or get referrals to see specialists.

Rarely Receive a Bill for Covered Services When your health care providers accept Medicare, they bill Medicare for the approved services. Medicare pays its share, and your Medicare Supplement insurance policy pays the rest. The entire process is electronic, so your claims are paid quickly.

Keep Your Coverage Your Medicare Supplement insurance policy renews as long as you pay the premiums on time and make no material misrepresentations on the application. What’s more, the annual Medicare open enrollment and the Affordable Care Act annual election period don’t affect your Medicare Supplement insurance.

Your Coverage Goes With You From Coast to Coast Just like Medicare, your Medicare Supplement insurance covers your health care needs throughout the United States. That way, you can visit family and friends wherever you choose.

Emergency Care Anywhere in the World Most Medicare Supplement insurance plans provide limited medically necessary emergency care outside the United States. The benefit is subject to a $250 deductible, 20% coinsurance and a lifetime maximum of $50,000.

Consider How Much Medicare Supplement Coverage You Need

To help you decide which Medicare Supplement insurance plan is right for you, think about what you want the plan to pay and what you can budget for. See the Plan chart in Step 5 for current benefit amounts.Medicare Part A hospital benefit-period deductible and coinsurance.
I want my Medicare Supplement plan to help cover these costs that Medicare doesn’t:

Medicare Part A hospital deductible

Medicare Part B medical deductible

Medicare Part B medical coinsurance

Medicare Part B medical excess charges

Skilled nursing facility coinsurance

Emergency care received outside the U.S.

Budget-Sensitive Options

Ask us how you could save with cost-sharing plans and premium discounts for qualifying individuals.

Select the Medicare Supplement Insurance Plan That’s Right for You 

Contact Us for more Information

If you are ready to visit about your Medicare needs please call our office at 210-313-9492 to set a time to visit.