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Medicare is designed to offer health coverage to individuals age 65 and over, individuals under age 65 with certain disabilities, and people of all ages with ESRD.
Medicare Advantage plans differ from Medicare Supplement plans. A Medicare Advantage plan, also known as Medicare Part C (like an HMO or PPO), is another option for Medicare beneficiaries that may not be able to afford a supplement.
There are a variety of plans available to suit a variety of life situations and plans that will work for you.
There are different prescription drug plans to fit each individual’s needs and budget. Let us help you find the plan that is right for you.
Teeth TLC isn’t just to help improve your smile, it’s also beneficial to your health as a whole. Since oral health is so important, we make choosing a dental plan simple.
The best time to buy a Medigap policy is during your 6-month Medigap open enrollment period because you can buy any Medigap policy, even if you have health problems. This period automatically starts the month you’re 65 and enrolled in Medicare Part B, and once it’s over, you can’t get it again.
Medicare Supplement Insurance is a private health insurance policy designed to help pay some or all of the costs that are not covered by Medicare Parts A and B.
No, Medicare Supplement is designed to fill in the “gaps” with Medicare Plans such as Part A (which covers hospital and skilled nursing facility care) and Part B (which covers doctor bills and other medical expenses). For prescription drug coverage, you can select a separate Medicare Part D Prescription Drug Plan.
Not everyone needs a Medicare supplement policy. If you have certain other types of health coverage, the gaps in your Medicare coverage may already be covered. You probably don’t need Medicare supplement insurance if:
No, you may continue to see your own doctor. Medicare Supplement plans are convenient and flexible, giving you freedom of choice.
Check with your group plan administrator. You may be able to choose either your group plan or Medicare plus Medicare Supplement coverage. If you stay with your group health care plan, a Special Enrollment Period lets you delay purchasing Part B until you need it.
All Medicare Supplements are the same. The only difference between companies is usually price. Example: A Plan F from Company A is the same as Plan F from Company B.
The period to sign up for Medicare Part B, which covers outpatient services and doctors’ fees, begins three months before your 65th birthday and extends three months beyond that.
If you currently have a Medicare Advantage Plan, it’s illegal for anyone to also sell you a Medigap policy – you cannot have both policies at the same time. Contact your State Insurance Department if this happens to you.
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.
