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- Medicare Supplement (Medigap) insurance helps pay the ‘gap’ between what Medicare Parts A & B pay and what you could be asked to pay out of pocket.
- Know your benefits- Medicare Supplements plans are standardized; that means price and customer service are the only difference between carriers.
- Plans are guaranteed renewable- your benefits won’t change and you can’t be dropped from coverage as long as premiums are paid regardless of how your health has changed.
- Coverage for prescriptions- Medicare Supplement policies DO NOT cover prescription costs. You may want to consider purchasing a separate drug plan to help with your drug costs.
- 30 day FREE Look- within 30 days of receiving your policy if it is not exactly what you want, you can return it for a full refund, no questions asked.
- Your pre-existing conditions are covered. If you are approved for coverage, your policy will cover any pre-existing conditions that you have.
- No restrictive enrollment or disenrollment periods- you can change or replace your coverage at anytime during the year.
- Standardized benefits- plans are standardized by the US Government, so you know you are getting exactly the same benefits when making the same plan selection, no matter what company you go with.
* Plans F and G also have a high-deductible option which requires first paying a plan deductible of $2,340 in 2020 before the plan begins to pay. Once the plan deductible is met, the plan pays 100% of covered services for the rest of the calendar year. High-deductible Plan G does not cover the Medicare Part B deductible. However, high-deductible Plans F and G count your payment of the Medicare Part B deductible toward meeting the plan deductible. These expenses include the Medicare deductibles for Part A and Part B, but do not include the Plan’s separate foreign travel emergency deductible.
** Plans K and L pay 100% of covered services for the rest of the calendar year once you meet the out-of-pocket yearly limit.
*** Plan N pays 100% of the Part B coinsurance except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that do not result in an inpatient admission.
- Plans D and G effective on or after June 1, 2010, have different benefits than D or G Plans bought before June 1, 2010.
- Plans E, H, I, J will no longer be available to buy. If you already have or you buy Plan E, H, I or J before June 1, 2010, you can keep that plan. Contact your plan for more information.
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