Medicare Supplement Plans (also known as Medigap Plans) can help cover the gaps in Medicare’s coverage by paying for health care expenses that Medicare doesn't cover, like co-payments, co-insurance, and the Part A and Part B deductibles. Some Medigap Plans also add entirely new coverage, such as emergency medical care when you travel outside of the U.S.
Medigap Plans are standardized so that plans identified in most states by a certain letter (A through N) include the same benefits regardless of where you get that plan. Although every Medigap Plan F, for instance, has the same coverage, you may find it offered at very different prices. That’s why it is so important to compare premiums from different insurance companies.
MediGap Advisors works with several of the nation's leading providers of Medigap Plans to help you find the best rates available. Select a provider below for more information on their plans:
You can also compare available plans by running an instant quote, or give us a call at 1-866-323-1441, and we'll be happy to help you. Of course, there’s no charge or obligation for our assistance.
Coverage for one individual: Medigap Plans only cover one individual, so you and your spouse will need separate policies.
Preventive health care covered: Medicare pays 100% of doctor services that are considered to be preventive because they’ve been shown to prevent health problems. If your doctor accepts Medicare’s approved amount, you pay nothing for such services.
When to get a Medigap Plan: During a six-month period that begins on the first day of the month in which you become 65 and you are enrolled in Part B, your application for a Medigap Plan is guaranteed to be accepted regardless of your health problems. You may switch to a different plan during this time, and guaranteed acceptance also applies to the application for the other plan.
After this open enrollment period expires, insurance companies are not required to accept your application for a Medigap Plan, but certain states provide additional periods of similar open enrollments. Insurance companies may also randomly offer types of open enrollment, but these may include certain restrictions.
If you’re under 65, federal law does not require that insurance companies accept your application for a Medigap Plan, but certain states do have that requirement.
You may also be guaranteed that your application will be accepted outside of your period of open enrollment if you lose your health coverage. If you are more than 65 years of age, this guarantee applies to Medigap Plan A, B, C, F, K and L. If you are under 65, this guarantee applies only to Medigap Plan A. Generally, this guarantee only lasts for 63 days from the date that your coverage ends or the date of the notice that your coverage is ending.
How to get a Medigap Plan: Since not all plans are available in every state, you can run an instant quote to see what plans are available in your area, or contact us for a free consultation to discuss your available options.
30-day return policy: You have a 30-day “free look” to examine your Medigap Plan and decide if you want to keep it, so save the envelope the policy comes in and record the date that you receive it. If you return the plan to the insurance company (by certified mail with return receipt) within 30 days, all of your money will be refunded with no questions asked.
Select your state below and click Continue to see rates and compare Medigap plans in your area.
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