Additional Protection. Greater Peace of Mind.
Help Reduce Out-of-Pocket Medicare Expenses
Original Medicare covers many healthcare services, but it does not pay for everything.
Medicare Supplement Insurance, also known as Medigap, may help cover certain out-of-pocket medical expenses, making healthcare costs more predictable.
At Beaver Insurance Services, we help individuals understand Medicare Supplement Insurance and explore coverage options that may fit their healthcare needs and budgets.
Important Medicare Information
NOT CONNECTED WITH OR ENDORSED BY THE U.S. GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.
AN OUTLINE OF COVERAGE IS AVAILABLE UPON REQUEST.
What Is Medicare Supplement Insurance?
Medicare Supplement Insurance is offered by private insurance companies to help pay certain expenses not fully covered by Original Medicare Parts A and B.
Depending on the plan, benefits may help pay for:
- Deductibles: Certain expenses you pay before insurance begins paying.
- Copayments: Fixed amounts for certain covered healthcare services.
- Coinsurance: Your share of certain Medicare-approved expenses.
- Hospital Expenses: Certain costs associated with Medicare-covered hospital care.
- Foreign Travel Emergencies: Limited emergency medical coverage outside the United States under some plans.
Benefits and out-of-pocket expenses vary by plan.
How Does Medicare Supplement Insurance Work?
Medigap works alongside Original Medicare rather than replacing it.
- Original Medicare processes covered claims and pays its share of approved expenses.
- Your Medicare Supplement policy may pay certain remaining eligible costs.
- You are responsible for expenses not covered by either plan.
You generally pay a separate monthly Medigap premium in addition to your Medicare Part B premium.
Why Consider Medicare Supplement Insurance?
Medigap may help you:
- Reduce certain out-of-pocket healthcare expenses.
- Make medical costs more predictable.
- Visit doctors and hospitals nationwide that accept Medicare.
- Obtain additional protection against certain hospital and medical expenses.
- Keep Original Medicare while adding supplemental coverage.
Medicare Supplement Insurance is different from Medicare Advantage and does not replace Original Medicare.
Understanding Your Coverage Options
Medicare Supplement plans are generally standardized and identified by letters, including Plan G and Plan N.
Plans with the same letter generally provide the same basic benefits regardless of the insurance company, although premiums may differ.
Plan G
Plan G covers many Original Medicare cost-sharing expenses, including Medicare Part B excess charges.
It does not cover the Medicare Part B deductible.
Plan N
Plan N covers many Original Medicare cost-sharing expenses but does not cover the Part B deductible or Part B excess charges.
It may require copayments of up to $20 for certain office visits and up to $50 for emergency room visits that do not result in an inpatient admission.
What Is Not Covered?
Medicare Supplement policies generally do not cover routine dental care, routine vision care, hearing aids, long-term custodial care, or outpatient prescription drugs.
Separate insurance coverage may be available for some of these needs.
When Can You Enroll?
Medicare Supplement Open Enrollment
To purchase a Medigap policy, you generally must have Medicare Parts A and B.
Your federal Medigap Open Enrollment Period lasts six months, beginning the first month you are age 65 or older and enrolled in Medicare Part B.
During this period, insurers generally cannot deny you a Medigap policy they sell or charge higher premiums because of your health conditions.
Outside this period, medical underwriting may apply unless you qualify for another enrollment protection.
Additional Enrollment Opportunities
Depending on your circumstances and state of residence, you may qualify for additional Medicare Supplement enrollment protections.
Certain situations, such as losing eligible coverage or exercising a guaranteed-issue right, may allow you to purchase a Medicare Supplement policy without medical underwriting.
State laws may also provide additional enrollment rights.
Our goal is to help you understand the options and enrollment protections that may apply to your situation.
Personal Guidance from Beaver Insurance Services
Understanding Your Medicare Options Should Be Simple
Choosing Medicare Supplement Insurance is an important decision.
Our goal is to provide clear explanations, answer your questions, and help you understand available coverage options.
We believe informed decisions begin with understanding your choices, benefits, and potential expenses.
Protect Your Health. Plan for Your Financial Future.
Understanding your Medicare Supplement options may help you make more informed decisions about your healthcare expenses.
At Beaver Insurance Services, we welcome the opportunity to help you explore available coverage options and request a personalized quote.
Call (800) 266-5185 to Get a Quote
REQUEST MY FREE MEDICARE SUPPLEMENT QUOTE
There is no charge to request a quote and no obligation to purchase coverage.
Requesting a quote is an insurance sales inquiry. A licensed insurance representative may contact you to discuss available Medicare Supplement coverage.
For Additional Information, Contact Beaver Insurance Services
Have questions about Medicare Supplement Insurance?
We’re here to help you understand your options and explore coverage that may fit your healthcare needs and budget.
Call (800) 266-5185 for additional information or to request a free, no-obligation quote.
Beaver Insurance Services
Shawn Beaver, Licensed Insurance Agent
California Insurance License #0F90953
National Producer Number (NPN): 9934475
Phone: (800) 266-5185
Important Medicare Supplement Insurance Disclaimer
NOT CONNECTED WITH OR ENDORSED BY THE U.S. GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.
AN OUTLINE OF COVERAGE IS AVAILABLE UPON REQUEST.
Medicare Supplement Insurance (Medigap) policies are issued by private insurance companies and are designed to work with Original Medicare Parts A and B. Medicare Supplement Insurance is not Medicare Advantage coverage.
Coverage, premiums, benefits, eligibility, exclusions, limitations, enrollment rights, and plan availability vary by insurer, policy, state, and individual circumstances.
Medicare Supplement policies do not cover every healthcare expense. Guaranteed-issue rights and other enrollment protections may apply under federal or applicable state law.
Beaver Insurance Services is an independent insurance agency, not an insurance company. Insurance companies determine underwriting decisions, policy issuance, and claims payments.
Insurance products and services are available only where the agent is appropriately licensed and authorized to offer them.
For additional information or a free, no-obligation quote, contact Beaver Insurance Services at (800) 266-5185.