Find Your Perfect Supplemental Medicare Plan in 3 Simple Steps
We are a trusted Medicare partner, dedicated to helping you find affordable and reliable Medicare Supplement Plans that fit your needs.
✅ 1. Provide Your ZIP Code
📍 Medicare plans vary by location.
Provide your ZIP code to view all available plans in your area and find the best coverage options near you.
✅ 2. Tell Us a Bit About Yourself
👤 Your age, gender, and other factors impact your plan options and pricing.
Providing this information helps us accurately calculate costs and match you with the best Medicare Supplement plan.
✅ 3. Get Personalized Assistance – 100% Free!
🎯 We’ll help you compare plans and find the right fit—at no cost to you!
Speak with a licensed Medicare insurance agent today to receive expert guidance and plan recommendations.
📞 Call (800) 266-5185 to get started now!
🌟 New to Medicare? Let’s Explore Your Options
Choosing the right Medicare plan is essential to help you save on healthcare costs and prescriptions. Our team provides free, personalized Medicare support, ensuring you find the best coverage for your needs.
🏥 Turning 65? Here’s What You Need to Know
Your Initial Enrollment Period (IEP) is a 7-month window that starts:
✅ 3 months before your 65th birthday
✅ Includes your birthday month
✅ Ends 3 months after your birthday
📌 Special Rule: If your birthday falls on the 1st of the month, your enrollment period starts and ends 1 month earlier than usual.
📞 Need Help? Get Free Medicare Guidance!
📲 Speak with a Licensed Insurance Agent
📞 Call Now: (800) 266-5185
🏢 California License: 0F90953
💡 Our expert Medicare advisors are here to answer your questions and guide you through your options—completely free!
🩺 Medicare Supplement Plans (Medigap) – What You Need to Know
How Do Medicare Supplement Insurance Plans Work?
Original Medicare (Part A & Part B) covers many healthcare services, but not all expenses. Medicare Supplement (Medigap) plans help cover out-of-pocket costs such as:
✔️ Copayments
✔️ Coinsurance
✔️ Deductibles
✅ Key Benefits of Medigap Plans
✔️ Different from Medicare Advantage (Part C) plans
✔️ Covers only one person – spouses must buy separate policies
✔️ No prescription drug coverage – enroll in Medicare Part D separately
✔️ Requires a monthly premium in addition to your Medicare Part B premium
✔️ Guaranteed renewable – you cannot be dropped if you pay your premiums
✔️ Does not cover long-term care, vision, dental, hearing aids, or eyeglasses
📋 What Does Medicare Supplement Insurance Cover?
Medigap plans reduce out-of-pocket costs for Medicare-covered services.
🔹 Basic Coverage (Included in All Medigap Plans)
✅ Part A coinsurance & hospital costs (up to 365 extra days after Medicare benefits are used)
✅ Part B coinsurance or copayment
✅ First 3 pints of blood
✅ Part A hospice care coinsurance or copayment
🔹 Additional Benefits (Available in Certain Plans)
✔️ Skilled nursing facility care coinsurance
✔️ Part A deductible
✔️ Part B deductible (Plans C & F, not available to new enrollees after 2020)
✔️ Part B excess charges
✔️ Foreign travel emergency coverage (up to plan limits)
✔️ Out-of-pocket limit protection (Plans K & L)
🚫 What Medicare Supplement Plans Do NOT Cover
❌ Long-term care (e.g., non-skilled nursing home care)
❌ Vision or dental services
❌ Hearing aids
❌ Eyeglasses
❌ Private-duty nursing
❌ Prescription drugs (Covered separately by Medicare Part D)
📌 Looking for more benefits? Consider a Medicare Advantage (Part C) plan, which may include dental, vision, hearing, and prescription drug coverage.
📌 Who Is Eligible for a Medicare Supplement Plan?
✔️ Must be 65 or older
✔️ Must be enrolled in Medicare Part A & Part B
✔️ Must live in the state where the policy is offered
🚨 Some states allow Medigap enrollment for individuals under 65 with a disability or End-Stage Renal Disease (ESRD).
🗓️ When Should You Enroll in a Medicare Supplement Plan?
You can apply for a Medigap plan anytime, but the best time is during your 6-month Medigap Open Enrollment Period.
📅 Your Medigap Open Enrollment Period Starts When:
➡️ You turn 65 AND are enrolled in Medicare Part B.
✅ Why enroll now?
- No health screening or higher premiums due to health conditions.
- If you miss this period, insurers may deny coverage or increase your premium.
📌 California Residents: Important Enrollment Benefits
✔️ In California, you have a 30-day ‘free look’ period to review your Medigap policy. If you decide it’s not right for you, you can cancel and receive a full refund of your paid premium.
✔️ California’s Medigap “Birthday Rule” allows you to switch to an equal or lesser-benefit Medicare Supplement plan without medical underwriting within 60 days of your birthday.
💰 How Much Does Medicare Supplement Insurance Cost?
Costs vary by insurer and location. Each company sets its own premiums, so it’s essential to compare plans.
📊 Types of Medicare Supplement Plans
There are 10 standardized Medigap plans (A, B, C, D, F, G, K, L, M, and N).
📌 Top Choices for New Enrollees:
- Plan F – Most comprehensive, but no longer available for new enrollees after 2020.
- Plan G – Best for new Medicare enrollees, covering everything except the Part B deductible.
- Plan N – Lower premiums with small copays for doctor and emergency visits.
📞 Get Free Medicare Assistance Today!
📲 Speak with a Licensed Insurance Agent Now!
📞 Call: (800) 266-5185
🏢 California License: 0F90953
💡 Expert guidance is just a call away! Let us help you compare plans and make an informed choice—100% free!
